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 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Bessemer City is $645 per year. The state minimum liability limits are 30/60/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$990
Average annual premium$1,979
State minimum premium$645

Cheapest car insurance companies in Bessemer City

Erie Insurance offers the cheapest rates on average at $1,227 per year. State Farm is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices 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 drivers in Bessemer City.

CompanyAverage 6 month rateAverage annual rate
Erie Insurance$614$1,227
State Farm$620$1,240
North Carolina Farm Bureau$709$1,418
Nationwide$783$1,565
Geico$879$1,757
Penn National Insurance$1,085$2,170
Progressive$1,174$2,348
Farmers$1,174$2,348
Utica National Insurance Group$1,235$2,469
Allstate$1,625$3,250

Cheapest car insurance cost in Bessemer City by age group

Car insurance rates in Bessemer City vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Bessemer City by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Erie Insurance
  • Cheapest for young adults: Erie Insurance
  • Cheapest for adults: Erie Insurance
  • Cheapest for seniors: Erie Insurance

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Erie Insurance offers the cheapest car insurance for teens at $2,650 per year.

Erie Insurance offers the most affordable auto insurance for young adults at $1,410 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Erie Insurance provides the lowest car insurance rates at $1,193 per year for adult drivers in Bessemer City.

Erie Insurance offers the least expensive car insurance for senior drivers in Bessemer City, at $1,323 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

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
Nationwide$3,614$2,227$1,560$1,478
Geico$5,255$1,847$1,732$1,785
Penn National Insurance$4,431$2,170$2,170$2,170
Progressive$4,795$2,348$2,348$2,348
Farmers$4,795$2,348$2,348$2,348
Utica National Insurance Group$6,431$2,489$2,438$2,427
Allstate$7,421$4,238$3,143$2,794

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.

Below are some of the cheapest car insurance companies in Bessemer City by driver profile.

Cheapest for a driver with poor credit: Erie Insurance

Erie Insurance is the most affordable car insurance for drivers with poor credit. On average, drivers in Bessemer City pay about $1,784 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Bessemer City.

CompanyAverage 6 month premiumAverage annual premium
Erie Insurance$892$1,784
North Carolina Farm Bureau$962$1,923
Nationwide$994$1,988
Geico$1,245$2,490
Allstate$2,878$5,756
State Farm$3,049$6,098

Cheapest auto insurance after an at-fault accident: State Farm

In Bessemer City, State Farm offers the cheapest car insurance for drivers with at-fault accident at $1,781 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Bessemer City.

CompanyAverage 6 month premiumAverage annual premium
State Farm$891$1,781
Erie Insurance$983$1,965
North Carolina Farm Bureau$1,040$2,079
Nationwide$1,492$2,984
Progressive$1,690$3,379
Farmers$1,703$3,406
Geico$1,958$3,916
Allstate$3,144$6,288

Cheapest auto insurance after a DUI: State Farm

State Farm offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $4,606 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Bessemer City.

CompanyAverage 6 month premiumAverage annual premium
State Farm$2,303$4,606
Erie Insurance$2,571$5,142
Nationwide$2,890$5,779
Geico$4,004$8,008
North Carolina Farm Bureau$4,245$8,490
Progressive$4,355$8,709
Farmers$4,444$8,888
Allstate$6,682$13,363

Cheapest for drivers with a speeding ticket: State Farm

State Farm offers the cheapest car insurance at $1,731 in Bessemer City for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
State Farm$866$1,731
Erie Insurance$954$1,908
North Carolina Farm Bureau$1,009$2,018
Nationwide$1,090$2,180
Geico$1,385$2,770
Progressive$1,643$3,285
Farmers$1,655$3,309
Allstate$2,468$4,935

Car insurance discounts for Bessemer City drivers

The biggest car insurance discount available in Bessemer City is for the years licensed category at 60.35%, offered by Kemper Insurance.

Car insurance is essential for drivers in Bessemer City, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Bessemer City drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$3,4330.87%$30
Air BagsErie Insurance$1,2400.65%$8
Air BagsGeico$1,7652.66%$47
Air BagsKemper Insurance$1,4870.67%$10
Air BagsNational General Insurance$1,7980.83%$15
Air BagsNationwide$1,3150.68%$9
Air BagsNorth Carolina Farm Bureau$1,5020.73%$11
Air BagsPenn National Insurance$1,9870.70%$14
Air BagsProgressive$2,1890.73%$16
Air BagsState Farm$1,5130.79%$12
Anti-Theft DeviceErie Insurance$1,2400.77%$10
Anti-Theft DeviceKemper Insurance$1,4870.13%$2
Daily CommuteErie Insurance$1,2401.77%$22
Daily CommuteState Farm$1,5131.19%$18
Days Advanced PurchaseAllstate$3,43314.42%$495
Days Advanced PurchaseErie Insurance$1,2409.52%$118
Days Advanced PurchaseKemper Insurance$1,4878.21%$122
Days Advanced PurchaseNationwide$1,3153.80%$50
Days Advanced PurchasePenn National Insurance$1,9877.80%$155
EducationGeico$1,7658.95%$158
Electronic Funds TransferAllstate$3,4336.67%$229
Electronic Funds TransferKemper Insurance$1,4874.64%$69
HomeownerAllstate$3,4333.90%$134
HomeownerKemper Insurance$1,4872.22%$33
Loyalty - Years Renewal With CompanyPenn National Insurance$1,9870.55%$11
Loyalty - Years Renewal With CompanyState Farm$1,51316.99%$257
Marital StatusErie Insurance$1,2400.97%$12
Marital StatusNationwide$1,31510.27%$135
Multi PolicyAllstate$3,43313.09%$450
Multi PolicyErie Insurance$1,2405.24%$65
Multi PolicyGeico$1,7654.70%$83
Multi PolicyKemper Insurance$1,4876.05%$90
Multi PolicyNationwide$1,3155.91%$78
Multi PolicyNorth Carolina Farm Bureau$1,50210.39%$156
Multi PolicyPenn National Insurance$1,9877.80%$155
Multi PolicyState Farm$1,5139.85%$149
Paperless/Electornic DocumentsKemper Insurance$1,4870.67%$10
Paperless/Electornic DocumentsNationwide$1,3153.73%$49
Payment TypeAllstate$3,4339.61%$330
Payment TypeErie Insurance$1,2406.61%$82
Payment TypeKemper Insurance$1,4874.64%$69
Payment TypeNorth Carolina Farm Bureau$1,5025.53%$83
Payment TypePenn National Insurance$1,9874.93%$98
Primary UseAllstate$3,43316.88%$580
Primary UseErie Insurance$1,24019.28%$239
Primary UseGeico$1,76520.60%$364
Primary UseKemper Insurance$1,48719.30%$287
Primary UseNational General Insurance$1,79820.58%$370
Primary UseNationwide$1,3154.33%$57
Primary UseNorth Carolina Farm Bureau$1,50220.64%$310
Primary UsePenn National Insurance$1,98720.94%$416
Primary UseProgressive$2,18920.95%$459
Primary UseState Farm$1,51315.11%$229
ProfessionGeico$1,7654.70%$83
Safety DevicesAllstate$3,4330.41%$14
Safety DevicesErie Insurance$1,2401.05%$13
TelematicsAllstate$3,4339.61%$330
TelematicsNationwide$1,3157.53%$99
TelematicsState Farm$1,51317.38%$263
Years InsuredAllstate$5,38731.92%$1,720
Years InsuredKemper Insurance$1,8138.52%$155
Years InsuredNationwide$1,6526.14%$102
Years LicensedAllstate$9,70933.66%$3,268
Years LicensedErie Insurance$3,54250.45%$1,787
Years LicensedGeico$7,43354.90%$4,081
Years LicensedKemper Insurance$6,23860.35%$3,765
Years LicensedNational General Insurance$4,68151.87%$2,428
Years LicensedNationwide$4,17934.61%$1,446
Years LicensedNorth Carolina Farm Bureau$4,57556.31%$2,576
Years LicensedPenn National Insurance$5,83556.26%$3,283
Years LicensedProgressive$6,42656.26%$3,615
Years LicensedState Farm$2,91621.44%$625

How to get cheap car insurance in Bessemer City in 2025

Find affordable car insurance in Bessemer City by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Bessemer City.

Methodology

Insurance.com 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

Insurance.com 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.

Compare auto insurance rates by city in North Carolina