Cheapest car insurance companies in Bessemer City 

A recent data analysis by found the cheapest car insurance companies are Erie Insurance and State Farm in Bessemer City for 2023. 

The car insurance company in Bessemer City that provides the cheapest car insurance premiums is Erie Insurance, with an average annual rate of $1,227 .

Car insurance prices in Bessemer City can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Bessemer City drivers.

CompaniesAverage annual rates
Erie Insurance$1,227
State Farm$1,240
North Carolina Farm Bureau$1,418
Penn National Insurance$2,170
UTICA Grp$2,469

Cheapest car insurance cost in Bessemer City by Age Group 

Erie Insurance is the cheapest option for car insurance in Bessemer City for teen drivers, with average annual premiums at just $2,650 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

Erie Insurance is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Bessemer City at about $1,410 per year

For Bessemer City drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. Erie Insurance provides the cheapest car insurance premiums, offering full coverage policies at $1,193 annually

If you are a senior driver in Bessemer City and looking for a cheap car insurance company, then consider buying insurance from Erie Insurance. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,323 per year

CompanyTeensYoung AdultsAdultsSeniors
Erie Insurance$2,650$1,410$1,193$1,323
State Farm$3,015$1,940$1,297$1,325
North Carolina Farm Bureau$3,162$1,548$1,369$1,436
Penn National Insurance$4,431$2,170$2,170$2,170
UTICA Grp$6,431$2,489$2,438$2,427

Cheapest car insurance companies in Bessemer City by driver profile 

Car insurance rates in Bessemer City vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations

Finding the cheapest car insurance in Bessemer City requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit. 

Here's a list of car insurance companies that offer cheap insurance rates in Bessemer City based on driver profile. 

The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for Bessemer City drivers at about $1,437 per year

Here are car insurance carriers that offer affordable rates for drivers with poor credit scores in Bessemer City.

CompanyAverage annual rates
State Farm$2,980

Nationwide offers the cheapest auto insurance rates for drivers with a speeding ticket in Bessemer City. It provides full coverage car insurance for drivers aged 30 at about $1,714 per year

Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors. 

Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price. 

CompanyAverage annual premium
State Farm$2,007

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 State Farm offers the cheapest car insurance rates for Bessemer City drivers with at-fault accidents. It provides coverage at an average annual cost of $2,052.

CompanyAverage annual rates
State Farm$2,052

In Bessemer City, Nationwide 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 $4,399 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$5,330

Average car insurance cost in Bessemer City 

The average car insurance rate in Bessemer City for full coverage is $1,979 per year or $165 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Bessemer City is $645 per year. 

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies. 

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.

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