For a 40-year-old driver with a clean record, Macon car insurance averages about $212 a month ($2,541 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Georgia average of $208 a month. Progressive and GEICO are effectively tied for the lowest full-coverage average among the four major insurers we compared (Allstate, Auto-Owners, GEICO and Progressive), at about $186 and $188 a month.
Macon is priced close to the Georgia average and is the second-most expensive of our six Georgia city guides, after Atlanta and slightly above Savannah. Our benchmark driver pays about $40 a month less here than in Atlanta.
Our data covers eight ZIP codes with a Macon mailing address, from about $202 a month in 31216 to $220 in 31206.
Cost data comes from the auto rates insurers file with state regulators, priced across all eight Macon ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Macon averages $2,541 a year, or about $212 a month, for our benchmark driver. Liability-only coverage at Georgia’s 25/50/25 minimum averages $1,025 a year ($85 a month), and 50/100/50 liability with comprehensive and collision averages $2,542 ($212 a month).
Progressive and GEICO are effectively tied for the lowest full-coverage average among the insurers in our Macon rate data that are among insurers anyone can buy from. USAA averages even less, at $165 a month, but it sells only to military members, veterans and their families. The published 2026 statewide Georgia rate studies we reviewed most often rank Progressive or Georgia Farm Bureau cheapest for full coverage, apart from USAA; one puts GEICO first. For liability-only coverage at 25/50/25 limits, GEICO has the lowest average among these four insurers, at about $64 a month, followed by Progressive at $81. USAA comes in even lower, at about $52 a month, but it sells only to military families.
Full-coverage averages by insurer in Macon
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| USAA (military families) | $619 | $52 | $1,975 | $165 |
| Progressive | $975 | $81 | $2,236 | $186 |
| GEICO | $762 | $64 | $2,255 | $188 |
| Auto-Owners | Not in our data | Not in our data | $2,652 | $221 |
| Allstate | $1,746 | $146 | $3,585 | $299 |
| State Farm (Nov. 2025 rates)* | $1,645 | $137 | $4,083 | $340 |
| Georgia Farm Bureau* | $545 | $45 | $1,208 | $101 |
| Country Financial* | $951 | $79 | $2,817 | $235 |
| Central Insurance* | $955 | $80 | $2,968 | $247 |
| Mercury* | $1,557 | $130 | $3,869 | $322 |
| Macon average | $1,025 | $85 | $2,541 | $212 |
This table uses Macon ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the eight Macon ZIP codes we price, full coverage for our driver ranges from about $202 a month in 31216 to $220 in 31206, a gap of $212 a year.
Lowest-priced Macon ZIP codes
Highest-priced Macon ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Macon’s average.
| ZIP Code: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 31201 | $1,026 | $86 | $2,584 | $215 | +1% |
| 31204 | $1,041 | $87 | $2,544 | $212 | About average |
| 31206 | $1,084 | $90 | $2,640 | $220 | +4% |
| 31210 | $1,016 | $85 | $2,509 | $209 | -1% |
| 31211 | $1,013 | $84 | $2,553 | $213 | About average |
| 31216 | $980 | $82 | $2,428 | $202 | -5% |
| 31217 | $1,010 | $84 | $2,562 | $214 | +1% |
| 31220 | $1,034 | $86 | $2,504 | $209 | -1% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Macon data: with the same $500 deductibles, full coverage averages $2,541 a year and 50/100/50 averages $2,542. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. GEICO charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Yes, for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Macon ZIP codes, their full-coverage average rose from $2,365 a year nine months earlier to $2,513 in rates as of Aug. 31, 2026, a 6.3% increase. Progressive raised its average 27.6% and Allstate 3.1%, while GEICO’s and USAA’s averages were about unchanged. Auto-Owners is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Macon average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/25 limits rose 3.6%, led by Progressive, which raised its liability-only average 23.9%.
Bibb County averages about $211 a month for full coverage, the 18th-most expensive of the 133 Georgia counties we price.
Nearby, Warner Robins averages about $192 a month, Byron $194 and Gray $210. Where your car is kept is one of the factors Georgia insurers use, so your ZIP code can move your price.
More Georgia cities and towns are in the Georgia rates by city table, and you can compare states on our car insurance rates by state page.
Atlanta, about 75 miles northwest, averages $252 a month, and Columbus, about 80 miles west, $198. Albany averages $187.
Drivers in Macon follow Georgia’s rules. Every policy must include at least:
Uninsured motorist coverage comes with your policy unless you reject it in writing. Our Georgia requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Georgia law and the Office of the Commissioner of Insurance and Safety Fire. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Macon averages about $212 a month ($2,541 a year) and liability-only coverage about $85 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Georgia average of $208 a month.
Progressive and GEICO are effectively tied for the lowest full-coverage average among insurers anyone can buy from in our Macon rate data, at about $186 and $188 a month. USAA, which sells only to military members, veterans and their families, has a lower average still ($165 a month). Auto-Owners’ average is next, at $221. For liability-only coverage, GEICO has the lowest average among the four major insurers we compared, at about $64 a month. The published 2026 statewide Georgia rate studies we reviewed most often rank Progressive or Georgia Farm Bureau cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Warner Robins, for our benchmark driver. Warner Robins full coverage averages about $192 a month and Macon about $212, a difference of about $20 a month for the same driver and car.
In our data, 31216 has the lowest full-coverage average in Macon, at about $202 a month, and 31206 the highest, at about $220. The ZIP code table on this page lists all eight.
In our Macon data, full coverage (100/300/100 with $500 deductibles) averages about $212 a month and liability-only coverage at 25/50/25 limits about $85, a difference of about $127 a month ($1,516 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Georgia law doesn’t require full coverage, but a lender or leasing company may.
Yes, for our benchmark driver. Comparing the four insurers in both sets of rates (Auto-Owners is new over the past nine months), their Macon full-coverage average rose 6.3%, from about $2,365 to $2,513 a year. That’s lower than the Macon average of $2,541 because it leaves out Auto-Owners. Progressive raised its average 27.6% and Allstate 3.1%. Liability-only coverage at 25/50/25 limits rose 3.6%.
For our benchmark driver, full coverage in Macon averages about $212 a month. Nearby, Atlanta averages about $252, Columbus about $198 and Albany about $187. Columbus and Albany are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
