If you're looking for the best and cheapest car insurance in Bessemer City, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Bessemer City and prepared this guide for you.
The average auto insurance cost in Bessemer City for full coverage is $1,499 for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.
The following guide will help you find the best car insurance companies in Bessemer City. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.
Cheapest car insurance Companies in Bessemer City
According to a study by Insurance.com, the cheapest car insurance companies in Bessemer City for 2022 are Kemper Independence and Nationwide of Am.
Kemper Independence is the cheapest option for most Bessemer City drivers, with an average annual rate of $1,036.
Car insurance cost may vary in Bessemer City based on your location, driving record, coverage level and the insurance company you choose. To get the best deal make sure you compare rates from multiple carriers.
The following companies are known to offer the cheapest auto insurance rates in Bessemer City
| Companies | Average Annual Rates |
|---|---|
| Kemper Independence | $1,036 |
| Nationwide of Am | $1,124 |
| Erie Ins Exchange | $1,144 |
| Government Employees | $1,202 |
| State Farm Mutl Automobile Ins | $1,306 |
| Allstate P&C | $2,048 |
| Metropolitan P&C | $2,053 |
| Progressive Premier | $2,077 |
Cheapest car insurance cost in Bessemer City by Age Group
The cheapest auto insurance company in Bessemer City for teen drivers is State Farm Mut Auto Ins Co. For full coverage, its average annual rate for Bessemer City drivers is $2,412. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on your parents' car insurance policy for as long as possible.
Government Employees Ins Co is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Bessemer City at about $1,047 per year.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Bessemer City is the Government Employees Ins Co. Its average rate for a full coverage car insurance policy is $1,047 per year.
If you are a senior driver in Bessemer City and looking for a cheap car insurance company, then consider buying insurance from the Government Employees Ins Co. It is the cheapest auto insurance company for senior drivers with an average premium of $1,160 per year.
| Companies | Adults | Seniors | Teens | Young Adults |
|---|---|---|---|---|
| Government Employees | $1,047 | $1,160 | $2,525 | $1,047 |
| North Carolina Farm Bur Mut | $1,310 | $1,280 | $2,804 | $1,350 |
| State Farm Mut Auto | $1,320 | $1,285 | $2,412 | $1,971 |
| Allied Prop & Cas | $1,473 | $1,394 | $3,422 | $2,121 |
| Progressive Southeastern | $1,806 | $1,806 | $3,917 | $1,806 |
| Allstate Prop & Cas | $1,992 | $1,727 | $4,976 | $2,647 |
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.
To find the cheapest car insurance company in Bessemer City, it's important to compare rates from multiple providers. This way, you can find the best deal that meets your needs and budget
Here are some of the cheapest car insurance companies in Bessemer City based on driver profile.
- Cheapest for a driver with Poor Credit: Nationwide
- Cheapest for a driver with a speeding ticket: Nationwide
- Cheapest for accident: Kemper Independence
- Cheapest for DUI: Kemper Independence
Cheapest for a driver with Poor Credit: Nationwide
The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for Bessemer City drivers at about $1,646 per year.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit score.
| Companies | Average Annual Rates |
|---|---|
| Nationwide | $1,646 |
| Kemper Independence | $1,838 |
| Erie Ins | $1,870 |
| Government Employees | $1,903 |
| Metropolitan | $2,056 |
| Progressive | $2,082 |
| State Farm | $3,618 |
| Allstate | $4,421 |
Cheapest for drivers with a speeding ticket: Nationwide
Nationwide offers the cheapest auto insurance rates for drivers with a speeding ticket in Bessemer City. It offers full coverage car insurance for drivers age 30 at about $1,888 per year.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. To find the best deal, it's important to compare rates from multiple providers. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Companies | Average Annual Rates |
|---|---|
| Nationwide | $1,888 |
| Erie Ins | $1,994 |
| Kemper Independence | $2,044 |
| Metropolitan | $2,056 |
| Government Employees | $2,175 |
| State Farm | $2,315 |
| Progressive | $2,956 |
| Allstate | $3,643 |
Cheapest auto insurance after an at-fault accident: Kemper Independence
Kemper Independence is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault bodily injury accident in Bessemer City is $2,056. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Companies | Average Annual Rates |
|---|---|
| Kemper Independence | $2,056 |
| Erie Ins | $2,227 |
| Nationwide | $2,456 |
| State Farm | $2,613 |
| Metropolitan | $3,279 |
| Progressive | $3,305 |
| Government Employees | $4,231 |
| Allstate | $5,627 |
Cheapest auto insurance after a DUI: Kemper Independence
Kemper Independence is the carrier that offers cheap auto insurance rates in Bessemer City for drivers after a DUI. Its average annual rate for full coverage is $5,030.
If you are convicted of a DUI, your auto insurance rates are likely to go up. But one way to find an affordable insurance policy is to shop around and compare quotes from multiple insurers.
| Companies | Average Annual Rates |
|---|---|
| Kemper Independence | $5,030 |
| Nationwide | $5,065 |
| Erie Ins | $5,382 |
| State Farm | $6,492 |
| Government Employees | $7,730 |
| Metropolitan | $7,999 |
| Progressive | $8,025 |
| Allstate | $10,693 |
Average car insurance cost in Bessemer City
The average car insurance rate in Bessemer City for full coverage is $1,499 per year or $125 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Bessemer City is $521 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 Rates | State Minimum Average |
|---|---|
| $1,499 | $521 |
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