Macon Auto Insurance Rates, Quotes, Agents & Reviews in GA

Macon, GA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Macon, GA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Car Insurance Premium in Macon, GA, Starts at $877

Zimlon studied 90 car insurance companies in the city of Macon, GA, and found that Coast National Insurance Company offers the lowest car insurance premium at $877. The analyzed data was gathered from the Office of Insurance and Safety Fire Commissioner, and premiums were compared only for 2012 Toyota Camry, 6-cylinder, 4-door sedans. The premium rates were for a specific customer type: 30-year-old females with one speeding ticket in the past 12 months. The company with the second lowest premium of $1060 is National General Assurance Company, while Safeco Insurance Company of Illinois is third in the list with $1099.

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Insurance companies calculate their premiums based on certain consumer variables. Statistics reveal that adults between 25 to 65 years of age are much less prone to accidents than drivers aged under 25. Also men under the age of 25 are involved in more per-mile accidents than any other gender groups of the same age. Married couples are also less prone to accidents than singles, as per data. These factors plus the customer's driving records influence the insurance quote.

If we take the standard customer to be a 30-year-old married female with one speeding ticket in the past 12 months, we find that the median premium liability per person is $987 in Macon—this is very close to the state average of $953. Liability coverage compensates for bodily harm and property damage costs for accidents caused by the insurance owner.

Comprehensive and collision coverage pays for car damage in case of a collision or other mishaps like the car getting stolen or being damaged by a fallen tree. In Macon, the median Comp & Col premium is $1006, which is almost consistent with the state average of $1024.

Another important component of your insurance premium is uninsured/underinsured motorist protection. It covers accidents that involve a motorist without an insurance. According to the Insurance Research Council, one out of every eight drivers today maybe uninsured. In Macon, the median rate for reduced uninsured motorist premium is $83 and that for the add-on uninsured motorist premium is $126.

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Factors that can influence the cost of car insurance in Macon, GA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Macon, GA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Macon, GA with that of other cities in and around Macon.

Macon Rutland Macon West Gray-Macon East Bibb County Lizella
Average Insurance Rates $1,640 $1,626 $1,598 $1,616 $1,605 $1,645

Macon, GA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Macon, GA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Macon $1,687 $1,425
Payne $2,735 $2,310
Macon West $2,777 $2,346
Bibb County $1,437 $1,214
Macon East $1,435 $1,212
Rutland $1,091 $921
Lizella $1,694 $1,431
Gray-Macon East $1,708 $1,442

Macon, GA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Macon, GA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,322
20 Years $2,107
30 Years $1,623
40 Years $1,562
50 Years $1,446
60 Years $1,466
70 Years $1,707

Macon, GA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Macon, GA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,821 $459
3 Vehicles $4,231 $689
4 Vehicles $5,642 $918

Savings on 2 Vehicles bundle:$459

Savings on 3 Vehicles bundle:$689

Savings on 4 Vehicles bundle:$918

Macon, GA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Macon, GA.

Location Average Insurance Cost Post DUI Insurance Rate
Macon $1,640 $2,998
Payne $2,655 $4,854
Macon West $1,598 $2,921
Bibb County $1,605 $2,934
Macon East $1,557 $2,846
Rutland $1,626 $2,972
Lizella $1,645 $3,007
Gray-Macon East $1,616 $2,954

Macon, GA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,407
Excellent (740-799) $1,606
Good (670-739) $1,709
Average (580-669) $2,230
Poor (300-579) $2,675

Macon, GA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Waites & Foshee Insurance Liberty Mutual Independent 850 WALNUT ST, MACON, 31201 478-743-0588
Bobby Hartley State Farm 5402 New Forsyth Rd Ste D, Macon, 31210-0882 478-474-7644
Pat Patterson State Farm 2305 Ingleside Ave, Macon, 31204-2033 478-743-2741
Snider-Killingsworth Insurance Liberty Mutual Independent 325 S HILL ST, GRIFFIN, 30224 770-228-8441
Wade Brewer State Farm 3432 Highway 155, Locust Grove, 30248-3741 770-707-0701
Bb&T Insurance Services Liberty Mutual Independent 4951 FORSYTH RD 1ST FL, MACON, 31210 478-405-4200
Steve Osborne State Farm 80 Mlk Jr Dr, Forsyth, 31029-1682 478-994-1041
Brian Andrews State Farm 1748 Highway 81 E, McDonough, 30252-3146 770-288-4900
Middle Georgia Hospitality Liberty Mutual Independent 300 Wilson Rd. , Griffin, 30224 None

Macon, GA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$72 $1,712
Driver's Failure In Showing Documents +$159 $1,799
Driving With An Expired Registration +$169 $1,809
Driving At A Considerably Slow Pace +$356 $1,996
Using A Cellphone While Driving +$376 $2,016
Running A Red Light +$382 $2,022
Speeding +$402 $2,042
Driving A Vehicle Without The Required Permission +$510 $2,150
Driving With An Expired/Suspended License +$1,105 $2,745

Macon, GA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,574
Active Disabling Device $1,574
Tracking Device $1,542
Passive Disabling Device $1,525

Latest Auto Insurance Reviews in Macon, GA | Back to Top

Geico has amazing customer service, every time I've talked with customer service on the phone it was always a pleasant experience for me.
I do shop for my insurance every couple of years. I always keep my comp and deductibles the same and if the premium is less I will switch companies. SO far this one has been competitive
State Farm
The premium and deductible we have on our policy goes by the percentage cost of the entire damage cost. Other companies have a flat deductible fee of $2000 no matter what.
The minimum policy in my car insurance is great and all but its not the best way to include all ideas with sprculaionns
When judging policies and companies, it just makes sense to take a cheaper company that competes with the others in offerings and price.
My insurance offers the same as other insurances do. It has comparable coverage but at a much cheaper price. I do not feel like I am getting ripped off.
Amica Mutual Insurance
I would recommend it because like I said their are other companies that may not be as good.Although their maybe a few that some would say is better.
Liberty Mutual
Liberty Mutual offered a more affordable compared to the other insurance companies that I have researched for the same coverage. Some have a slight difference while some have a big difference in price.
The General Auto Insurance
Since this insurance was part of my company's system, they knew the prices and special products that were available to me. However, their prices are now higher and out of my reach.
Geico has shown me that they can operate efficiently without having me constantly call them to get things done, like renewing a policy, making a payment, and interacting with my bank on the rare occasion.
Haulers Insurance
What I do not like about this insurance company is that I feel like the coverage isn't very good compared to other insurance companies, and I sometimes don't feel like the company is very accessible.
Everything has been very positive. There has been no negative incidents. It has been great.