Macon, Georgia Auto Insurance
Cheap Auto Insurance for Drivers in Macon, Georgia
Set in central Georgia, Macon is full of art, entertainment and history. Unfortunately, it also has its dangers like any other city. Storms, crashes, theft and vandalism are all risks Macon drivers face. While it’s not always possible to anticipate what may cause damage or loss of your vehicle, it is possible to remain prepared.
A great car insurance policy is comprehensive, reliable and affordable. The agents at Budget Insurance Agency are dedicated to finding you cheap car insurance in Macon, Georgia that you can rely on without draining your wallet.
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Does Macon, GA Require Car Insurance?
Georgia has a minimum amount of car insurance that every driver must carry in order to drive legally on the road. You must carry at least:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability
The cost of these minimum limits is about $548 a year (about $45.66 a month). Keep in mind that this is the least amount of insurance you need and not all the coverage you should purchase. Liability insurance is primarily geared to compensate others in case of an accident, but you will need extra coverage to protect yourself, your passengers and your vehicle.
Most drivers in Macon, Georgia carry:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $50,000 in property damage liability
- $500 or $1,000 deductible in comprehensive and collision coverage
For this amount of coverage with a $1,000 deductible, Georgia drivers pay an average of $1,182 a year (about $98.5 a month).
If you just want the minimum requirements of liability insurance, you can simply add comprehensive and collision insurance. For state minimum liability and a $1,000 deductible for comprehensive and collision coverage, you will pay an average of $1,103 a year (around $91.91 a month). For the same liability limits and a $500 comprehensive/collision deductible, you will pay an average of $1,242 a year (around $103.5 a month). Choosing a higher deductible can lower your monthly insurance premiums, but this also means that you’ll owe more out of pocket when it comes time to file a claim.
Costs for this coverage vary not only based on how much coverage you carry, but also your:
- Credit score
- Driving record
- Claims history
- Vehicle make, model and value
In Macon, drivers pay an average of $1,398 a year (about $116.5 a month). This is about 4% higher than the average rates of Georgia drivers. This increase could be in part due to differences in crime rates and population. Younger drivers will pay more in car insurance premiums since they are seen as more likely to be involved in an accident and have to file a claim. Likewise, even mature drivers with a poor driving record will pay more for car insurance. In fact, a traffic violation such as a DUI or DWI could cause your insurance rates to jump by 80% or even more. A single at-fault accident may raise your premiums by 41% depending on the situation and the damages incurred. Accidents resulting in expensive damages may raise your rates higher than less expensive accidents.
If you have poor credit or a spotty driving record, it’s important to search for an insurance agency that has more forgiveness than others. As an independent agency, Budget Insurance Agency works with a variety of reliable carriers to find you a policy that covers your vehicle without breaking the bank.
What We Offer
Important coverages that we offer (as well as liability) include:
- Comprehensive Coverage: Comprehensive coverage provides compensation for damage to your vehicle due to wind, hail, fire, theft, vandalism and other incidents not involving collision.
- Collision Coverage: Collision coverage provides compensation for damages to your vehicle as a result of a collision with another vehicle or object.
- Personal Injury Protection: Personal injury protection, or PIP, compensates for your and your passengers’ medical bills after an accident.
- Uninsured/Underinsured Motorist Coverage: Uninsured and underinsured motorist coverage provides compensation if a driver not carrying an adequate amount of insurance crashes into your insured vehicle.
- Roadside Assistance: Roadside assistance can provide services if you break down or otherwise have car troubles on the side of the road.
There are tons of coverages for all types of vehicles. If you’re curious about adding coverage to your auto insurance policy, contact a Budget Insurance Agency professional today!
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Insure Your Car in Macon, GA Today
Car insurance doesn’t have to be expensive. We can help you find cheap Macon, Georgia car insurance by working with multiple quality carriers to get the best policy for your vehicle and your wallet. Connect with Budget Insurance Agency today by calling us at
478-788-9188 or filling out an online form for a free quote.
Frequently Asked Questions
How Far Can Car Insurance Go Back?
In general, the past 5 years of your driving record will be considered. This depends on your location and any violations on your record, however. In Georgia, a DUI will remain on your driving record for 10 years.
How Far in Advance Can I Renew Car Insurance?
You may be able to renew your policy as early as 10 days before the renewal date. This depends on your policy, so make sure to check with your insurance agent about the rules of your car insurance policy if you want to renew your car insurance early.
How Many Car Insurance Policies Can I Have?
You can have multiple car insurance policies if you wish, but many insurance companies won’t insure the same vehicle twice. Having multiple policies can help with extra coverage, but it can also make payments and keeping track of your policy more complicated.
Is There a Car Insurance Agent Near Me?
Visit our to find the agent nearest to you. We also offer free online quotes 24/7. We offer cheap car insurance throughout Georgia and beyond, including Alabama, Florida, Texas, South Carolina, Tennessee, Virginia, North Carolina, Mississippi and California.
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How Can I Save Money on Car Insurance?
First, it’s important to ask about discounts you may be eligible for. Good Driver discounts, Good Student discounts, Multi-Car discounts and bundling policies can help you save money. You should also work on raising and maintaining your credit score and driving defensively to prevent having to file a claim.
How Can I Compare Auto Insurance Quotes?
At Budget Insurance Agency, we do the hard work for you! Call us at
or fill out an online form for a free quote now.