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.
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.
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.
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 Rates
- Macon, GA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Macon, GA
- Multi Vehicle Insurance Savings in Macon, GA
- How Credit Score Affects Car Insurance Rates in Macon, GA
- How DUI Affects Auto Insurance Premiums in Macon, GA
- Top Auto Insurance Agents Near Macon, GA
- How Driving Violations Affect Auto Insurance Rates in Macon, GA
- Macon, GA Auto Insurance Discounts on Anti Theft Feature
- Macon, GA Auto Insurance Company Reviews
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
GeicoGeico has amazing customer service, every time I've talked with customer service on the phone it was always a pleasant experience for me.
ProgressiveI 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 FarmThe 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.
GeicoThe minimum policy in my car insurance is great and all but its not the best way to include all ideas with sprculaionns
GeicoWhen judging policies and companies, it just makes sense to take a cheaper company that competes with the others in offerings and price.
ProgressiveMy 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 InsuranceI 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 MutualLiberty 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 InsuranceSince 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.
GeicoGeico 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 InsuranceWhat 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.
GeicoEverything has been very positive. There has been no negative incidents. It has been great.