Car Insurance in Macon, GA
Experts break down Macon, GA car insurance costs, coverages, companies, and more.
With more than 156,000 residents, Macon, GA encounters many areas of high traffic and dense congestion on the roads. To protect yourself after an accident or from other auto-related troubles, you'll want to purchase car insurance.
A local independent insurance agent will assess your risks, answer your questions, and get you the Macon auto insurance policy you deserve. Agents are local, experienced, and knowledgeable about what it means to drive on Georgia roadways.
Is Car Insurance Required in Macon, GA?
As a Georgia driver, you're required to have coverage up to $25,000 for an individual injury, $50,000 for all injuries and $25,000 for property damage.
- Bodily injury liability: Required
- Property damage liability: Required
- Personal injury protection (PIP): Not required
- Uninsured motorist: Not required
- Minimum liability limits: 25/50/25
Sometimes the minimum requirements are not enough. If you're in an accident, you may have to pay out of pocket with these minimum required limits. You can protect your assets in a more all-inclusive way by considering optional coverages.
- Comprehensive insurance: Covers the cost to repair or replace your car if lost or damaged due to an incidental event such as a flood, storm damage, or a wildfire.
- Collision insurance: Pays for damage to your car from a collision with another driver, regardless of fault.
- Rental reimbursement coverage: Covers the fees for renting a replacement car while repairs are being made to your car.
- Roadside assistance and towing: Covers any costs for getting your vehicle towed or repaired if it breaks down while on the road.
How Much Does Car Insurance Cost in Macon, GA?
- National average cost per year: $1,311
- Georgia average cost per year: $1,519
- 14th most expensive premium in the US
Your Macon car insurance should be tailored to your personal situation. Car coverage takes into account your specific vehicle's age, model, claims history, and average mileage. That's why you need an independent insurance agent to shop car insurance quotes in Macon, GA for you before making any purchases.
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What Is the Penalty for Driving without Insurance in Macon, GA?
Driving without insurance in Georgia can result in a number of penalties.
- A fine between $200 and $1000
- A required court appearance
- A misdemeanor on your record
- Possible jail time up to 12 months
- License suspension up to 90 days
- Inability to register a vehicle
Unfortunately, you just can't tell who does and doesn't have coverage, especially considering that 12% of drivers in Georgia are uninsured.
Luckily, uninsured motorist coverage is available to protect you against uninsured drivers. This add-on coverage will ensure you aren't stuck paying for damage that an uninsured driver may cause. Depending on the policy, this coverage could also cover hit-and-run situations and prevent you from dealing with a large financial loss.
What Is the Auto Theft Rate in Macon, GA?
The auto theft rate in Georgia is slightly higher than in the US
- National number of thefts per 1,000 vehicles: 2.29
- Number of thefts per 1,000 vehicles in Georgia: 2.35
Comprehensive insurance, or "other than collision" coverage, protects you against auto vandalism, thefts, and falling objects. Although parking under street lamps and having a functional security system are precautionary steps, a vehicle theft can happen when you least expect it.
What Are the Best Car Insurance Companies in Macon, GA?
Car insurance is a type of coverage that you can greatly benefit from by shopping around. Shopping and comparing the best car insurance companies in Georgia will help you land on the most affordable policy.
Insurance companies vary in the way they calculate premiums and handle insurance claims. That's why your independent insurance agent will shop multiple car insurance quotes in Macon, GA before discussing policy options with you.
How Can an Independent Insurance Agent Help Me Find the Best Car Insurance in Macon, GA?
Independent insurance agents know the risks you face as a Macon car owner. Agents are locally based and have a wealth of knowledge to share when it comes to protecting against risks.
You'll receive numerous quotes from various carriers until you find a customized policy that works for you. Agents will even look into discounts and bundling options to find you the most affordable and best car insurance in Macon, GA.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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