Car insurance in Bessemer for an adult with a clean driving record and good insurance score costs $1,558 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Bessemer by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Bessemer.

Key Highlights
  • Car insurance in Bessemer is more expensive than car insurance in Alabama for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Bessemer is $1,558 per year or $130 per month.
  • In Bessemer, Nationwide offers the cheapest full coverage car insurance at $84 per month.

What is the average cost of car insurance in Bessemer, AL?

The average auto insurance rates in Bessemer, AL at various coverage levels are listed below:

  • State minimum: $431 per year
  • Liability-only coverage (50/100/50): $601 per year
  • Full coverage (100/300/100): $1,558 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Nationwide$335$467$1,005
USAA$294$392$1,211
Geico$313$435$1,224
Travelers$440$631$1,416
Allstate$420$546$1,566
Auto-Owners$446$657$1,732
State Farm$520$698$1,842
Farmers$609$851$1,987
Progressive$506$731$2,035

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Bessemer, AL?

Out of all the carriers available in Bessemer, Nationwide offers the cheapest full coverage car insurance at $84 per month.

The second-cheapest car insurance company in Bessemer is USAA, offering car insurance at $101 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Nationwide$84
USAA$101
Geico$102
Travelers$118
Allstate$131
Auto-Owners$144
State Farm$154
Farmers$166
Progressive$170

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Bessemer, AL?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Alabama is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Bessemer, AL

See the average annual premium for drivers with two speeding tickets on their records in Bessemer, AL in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
Nationwide$120
USAA$146
Allstate$159
State Farm$173
Geico$184
Travelers$189
Progressive$280
Farmers$288
Auto-Owners$294

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Bessemer, AL

See the average annual premium for a driver convicted of DUI in Bessemer, AL in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
Nationwide$171
State Farm$173
Travelers$183
Allstate$184
USAA$208
Progressive$227
Geico$234
Farmers$254
Auto-Owners$294

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Bessemer, AL

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Bessemer, AL, by age

Age is a key factor when considering car insurance rates in most cities, including Bessemer – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$594
16Auto-Owners$612
16Geico$384
16Farmers$1,044
16Nationwide$377
16Progressive$1,145
16State Farm$595
16Travelers$576
16USAA$413
17Allstate$511
17Auto-Owners$538
17Geico$310
17Farmers$922
17Nationwide$363
17Progressive$1,141
17State Farm$525
17Travelers$449
17USAA$289
18Allstate$426
18Auto-Owners$465
18Geico$259
18Farmers$760
18Nationwide$341
18Progressive$1,022
18State Farm$462
18Travelers$360
18USAA$236
19Allstate$268
19Auto-Owners$397
19Geico$216
19Farmers$417
19Nationwide$260
19Progressive$520
19State Farm$407
19Travelers$287
19USAA$209
20Allstate$253
20Auto-Owners$349
20Geico$195
20Farmers$379
20Nationwide$225
20Progressive$454
20State Farm$357
20Travelers$246
20USAA$201
21Allstate$204
21Auto-Owners$298
21Geico$161
21Farmers$217
21Nationwide$146
21Progressive$336
21State Farm$304
21Travelers$209
21USAA$157
22Allstate$184
22Auto-Owners$264
22Geico$139
22Farmers$207
22Nationwide$137
22Progressive$293
22State Farm$274
22Travelers$188
22USAA$154
23Allstate$169
23Auto-Owners$236
23Geico$131
23Farmers$191
23Nationwide$123
23Progressive$265
23State Farm$242
23Travelers$171
23USAA$145
24Allstate$153
24Auto-Owners$220
24Geico$122
24Farmers$186
24Nationwide$117
24Progressive$239
24State Farm$222
24Travelers$159
24USAA$139
25Allstate$149
25Auto-Owners$198
25Geico$118
25Farmers$189
25Nationwide$101
25Progressive$211
25State Farm$196
25Travelers$138
25USAA$135
30Allstate$131
30Auto-Owners$146
30Geico$106
30Farmers$177
30Nationwide$90
30Progressive$191
30State Farm$157
30Travelers$133
30USAA$111
35Allstate$131
35Auto-Owners$145
35Geico$104
35Farmers$170
35Nationwide$87
35Progressive$183
35State Farm$154
35Travelers$129
35USAA$105
40Allstate$131
40Auto-Owners$144
40Geico$102
40Farmers$166
40Nationwide$84
40Progressive$170
40State Farm$154
40Travelers$118
40USAA$101
45Allstate$130
45Auto-Owners$142
45Geico$101
45Farmers$156
45Nationwide$81
45Progressive$168
45State Farm$153
45Travelers$117
45USAA$98
50Allstate$129
50Auto-Owners$137
50Geico$97
50Farmers$152
50Nationwide$78
50Progressive$158
50State Farm$150
50Travelers$117
50USAA$95
55Allstate$128
55Auto-Owners$133
55Geico$95
55Farmers$144
55Nationwide$77
55Progressive$153
55State Farm$145
55Travelers$107
55USAA$94
60Allstate$126
60Auto-Owners$134
60Geico$94
60Farmers$143
60Nationwide$76
60Progressive$153
60State Farm$142
60Travelers$108
60USAA$95
65Allstate$134
65Auto-Owners$141
65Geico$94
65Farmers$161
65Nationwide$77
65Progressive$159
65State Farm$141
65Travelers$115
65USAA$98
70Allstate$136
70Auto-Owners$159
70Geico$101
70Farmers$178
70Nationwide$80
70Progressive$180
70State Farm$148
70Travelers$125
70USAA$106
75Allstate$154
75Auto-Owners$181
75Geico$110
75Farmers$200
75Nationwide$89
75Progressive$227
75State Farm$161
75Travelers$141
75USAA$118

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Bessemer, AL, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Nationwide$126
Geico$167
USAA$183
Travelers$204
Allstate$227
Farmers$298
Progressive$317
Auto-Owners$423
State Farm$513

Final thoughts: Car insurance cost in Bessemer, AL

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Bessemer, AL. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Bessemer, Alabama.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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