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Get Cheap Car Insurance in Bessemer, AL
We monitor insurance prices, helping the average driver in Bessemer save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in Bessemer
The chart below shows the cheapest car insurance company in Bessemer for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Travelers, followed by Gainsco, State Farm, and Safe Auto.
| Bessemer Insurer | Monthly Cost |
|---|---|
| Travelers | $75 |
| Gainsco | $78 |
| State Farm | $82 |
| Safe Auto | $83 |
Savings for Every Kind of Bessemer Driver
Based on our extensive insurance data, we know the average Bessemer driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $418 per year by choosing the right vehicle insurance company. Some Bessemer residents are paying out over $1,689 extra every year for auto insurance in Bessemer. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Bessemer, AL Savings / Yr. |
|---|---|
$418 |
|
$569 |
|
$533 |
|
$605 |
|
$1,313 |
|
$73 |
|
$357 |
Bessemer Car Insurance vs. Alabama
People living in Bessemer pay an average of 5.39% more than the typical driver in the state. The average driver in Bessemer can expect to pay about $1,115 per year, or $1,689 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Bessemer for most people.
Car Insurance Prices by Bessemer Neighborhood
Insurance Prices
Where is insurance cheapest within Bessemer?
The map shows insurance prices in and around Bessemer, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $485 per year within the city boundaries, with insurance premiums ranging from a high of $1,982 to a low of $1,497. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Northwest parts of Bessemer.Pick the Best Car Insurance Company for You in Bessemer
The best car insurance provider for most drivers in Bessemer
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $418 over the average Bessemer car insurance company.
The best car insurance provider for Bessemer drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $569 over the competition.
The best car insurance company for Bessemer drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $533 better than other car insurance companies.
The best auto insurance for Bessemer drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $605 less each year.
The least expensive car insurance company for new and young drivers in Bessemer
In Bessemer, Travelers costs young drivers $1,313 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Bessemer
State Farm gave the largest car insurance discounts to married couples, averaging $73 saved each year compared to an average Bessemer couple's premiums.
The cheapest car insurance in Bessemer for drivers with bad credit
The best Bessemer car insurance company for customer service
Recent price drops
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The cheapest large national provider in Bessemer
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Bessemer driver can expect to pay about $101 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Bessemer, USAA has the best prices for drivers with accidents, married couples, good drivers, young drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around Bessemer
What Influences the Cost of Car Insurance in Bessemer?
On average, car insurance in Bessemer is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Alabama state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Bessemer are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Bessemer is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Bessemer is $93 per month for minimum coverage and $141 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Hueytown: Insurance costs 0.41% more
- Lipscomb: Insurance costs 12.20% more
- Brighton: Insurance costs 7.93% more
- Midfield: Insurance costs 8.58% more
- Dolomite: Insurance costs 12.26% more
- Fairfield: Insurance costs 10.78% more
- Pleasant Grove: Insurance costs 8.76% more
- North Johns: Insurance costs 8.29% less
- Helena: Insurance costs 3.85% less
- Mccalla: Insurance costs 7.10% less
Cities with Similar Populations
- Eagle Pass: Insurance costs 9.41% more
- Coppell: Insurance costs 8.47% more
- Neenah: Insurance costs 37.00% less
- Cleveland Heights: Insurance costs 25.64% less
- Thomasville: Insurance costs 26.82% less
- Bountiful: Insurance costs 14.80% less
- Powell: Insurance costs 31.50% less
- Duncanville: Insurance costs 18.18% more
- Brunswick: Insurance costs 34.52% less
- Prairieville: Insurance costs 94.49% more