Cheapest car insurance companies in Bessemer 

After an in-depth analysis, found that Nationwide and Travelers are the cheapest car insurance companies in Bessemer for 2023. 

Nationwide offers the cheapest car insurance premium for Bessemer drivers at an annual rate of $1,340 a year, on average. 

When it comes to car insurance costs in Bessemer, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy. 

CompaniesAverage annual rates
Country Financial$1,825
State Farm$2,009

Cheapest car insurance cost in Bessemer by Age Group 

Country Financial offers the cheapest full coverage car insurance for teenage drivers in Bessemer, with an average annual cost of $3,685 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts. 

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible. 

Nationwide is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Bessemer at about $2,281 per year

Drivers in Bessemer stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. Nationwide has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $1,327 a year

Nationwide is the cheapest option for senior drivers in Bessemer, with an average premium of $1,244 a year, significantly lower than most competitors, based on's in-depth data analysis. 

CompanyTeensYoung AdultsAdultsSeniors
Country Financial$3,685$2,613$1,853$1,726
State Farm$5,775$3,345$2,023$1,952

Cheapest car insurance companies in Bessemer by driver profile 

Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Bessemer. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.

To find the cheapest car insurance company in Bessemer, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget. 

Based on data analysis by's experts, these are the cheapest car insurance companies for Bessemer drivers based on driver profile.

Nationwide has the cheapest rates for Bessemer drivers with poor credit looking for affordable auto insurance. At an annual cost of $1,502, Nationwide offers substantial savings among the insurers analyzed.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores. 

CompanyAverage annual rates
State Farm$6,151

Based on recent data analysis, 30-year-old drivers in Bessemer with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $1,450.

Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.

CompanyAverage annual premium
State Farm$2,072

Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.

In a recent data analysis, found that Nationwide offers the cheapest car insurance rates for Bessemer drivers with at-fault accidents. It provides coverage at an average annual cost of $1,761.

CompanyAverage annual rates
State Farm$2,310

In Bessemer, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $2,072 a year

Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.

CompanyAverage annual rates
State Farm$2,072

Average car insurance cost in Bessemer 

In Bessemer, the average annual cost for full coverage car insurance is around $1,996, which breaks down to approximately $166 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Bessemer is about $500.

Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as

Average annual RatesState minimum average

Methodology commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.