Car Insurance in Macon
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Car Insurance in Macon, GA
Macon, Georgia, is a city where soul food, music, and Southern hospitality blend in the most delightful way. With around 155,000 Maconites, it's the fifth most populous city in Georgia, which means busy streets and highways. Understanding car insurance costs in Macon is crucial for getting around without worry.
Driving in Macon is the best way to see the city's renowned antebellum architecture and visit sites like the family-friendly Macon Children's Museum. Making sure you have the right car coverage in Macon means you can navigate its charming streets with peace of mind.
Whether you're looking for the best soul food, taking in the rich musical heritage at the Georgia Music Hall of Fame, or savoring the beauty of the Cherry Blossom Festival, your zip code, age, and the kind of car you drive can affect your insurance rates. Compare car insurance quotes in Macon to get the best prices — here's more information that should help.
How much is car insurance in Macon, GA?
The overall expense of car insurance in Macon will vary greatly based on the coverage you choose. To give you a general idea, here are the typical costs for the three most frequently selected coverage options in the area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Macon?
Evaluating and ranking the insurance costs for every car make, model, and year in the city is challenging. However, if you're interested in finding out which newer models are generally more affordable to insure, here are the top 10 most cost-effective car makes and models to consider in Macon:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $167 |
| 2 | Honda Cr-V | $173 |
| 3 | Dodge Grand Caravan | $176 |
| 4 | Toyota Rav4 | $178 |
| 5 | Kia Sedona | $180 |
| 6 | Honda Odyssey | $180 |
| 7 | Kia Sol | $182 |
| 8 | Ford Escape | $183 |
| 9 | Ford F-150 | $185 |
| 10 | Toyota Tacoma | $187 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Whether you've had a minor fender bender, a serious crash, a couple of speeding tickets, a DUI, or hit and run – it could all make a difference to how much you're paying to stay insured in the city. Below is a breakdown of how prices change with common claims and violations in Macon, sorted from least to most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $178 | 0% |
| Not at-fault Accident | $179 | +1% |
| Driving with expired registration | $222 | +25% |
| Speeding Ticket | $222 | +25% |
| At-fault Accident | $281 | +58% |
| Driving with a suspended license | $285 | +60% |
| DUI | $296 | +66% |
| Hit and Run | $307 | +72% |
What car insurance discounts can I get in Macon?
In Macon, various discounts can help reduce your insurance expenses. These include bundling multiple policies, paying in full upfront, opting for paperless transactions, and receiving renewal discounts for loyalty. The list below, ordered from the most significant to the least, highlights potential ways to save on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $153 | +$25 |
| Paid in Full | $164 | +$14 |
| Low Mileage | $166 | +$12 |
| Multi-Policy Renters | $169 | +$9 |
| Renewal discount | $173 | +$5 |
| Electronic Funds Transfer | $175 | +$3 |
| Paperless | $176 | +$2 |
| None | $178 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.