Best Cheap Auto Insurance in Bessemer, AL (2021)

The average Bessemer, AL auto insurance rates are $341 per month. The minimum auto insurance in Bessemer is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Bessemer, Alabama, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Bessemer, AL for senior drivers are $2,141 per year
  • The cheapest auto insurance company in Bessemer is USAA
  • The minimum auto insurance required in Bessemer, Alabama is 25/50/25

Bessemer, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Bessemer can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Bessemer, Alabama, including driving record, credit, commute time, and more.

Compare auto insurance in Bessemer to other Alabama cities, including Mobile auto insurance rates, Montgomery auto insurance rates, and Madison auto insurance rates to see how Bessemer, Alabama auto insurance rates stack up.

Before you buy Bessemer, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Bessemer, Alabama auto insurance quotes.

Minimum Auto Insurance in Bessemer, Alabama

Bessemer, Alabama auto insurance laws require that you have at least the Alabama minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Bessemer, Alabama.

Minimum Required Auto Insurance Coverage in Bessemer, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Bessemer, Alabama Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Bessemer, Alabama are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Bessemer, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,140 $2,032 $1,944 $1,981 $7,668 $8,246 $2,378 $2,424
Farmers $2,526 $2,508 $2,255 $2,403 $9,932 $10,220 $2,859 $2,954
GEICO $2,255 $2,254 $2,157 $2,248 $6,084 $5,972 $2,385 $2,211
Liberty Mutual $3,388 $3,659 $2,769 $3,101 $12,719 $14,150 $3,604 $3,835
Nationwide $1,868 $1,890 $1,701 $1,760 $5,020 $6,464 $2,079 $2,326
Progressive $2,734 $2,552 $2,245 $2,401 $11,576 $12,915 $3,202 $3,420
State Farm $3,377 $3,377 $3,073 $3,073 $10,491 $13,123 $3,823 $4,416
Travelers $1,533 $1,555 $1,448 $1,441 $8,477 $13,364 $1,451 $1,645
USAA $1,373 $1,391 $1,281 $1,251 $4,130 $4,577 $1,790 $1,930

Cheap Bessemer, Alabama Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Bessemer, Alabama is a challenge. Take a look at the annual teen auto insurance rates in Bessemer, Alabama.

Annual Auto Insurance Rates for Teen Drivers in Bessemer, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,668 $8,246
Farmers $9,932 $10,220
GEICO $6,084 $5,972
Liberty Mutual $12,719 $14,150
Nationwide $5,020 $6,464
Progressive $11,576 $12,915
State Farm $10,491 $13,123
Travelers $8,477 $13,364
USAA $4,130 $4,577

Cheap Bessemer, Alabama Auto Insurance for Seniors

What are senior auto insurance rates in Bessemer, Alabama? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Bessemer, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,944 $1,981
Farmers $2,255 $2,403
GEICO $2,157 $2,248
Liberty Mutual $2,769 $3,101
Nationwide $1,701 $1,760
Progressive $2,245 $2,401
State Farm $3,073 $3,073
Travelers $1,448 $1,441
USAA $1,281 $1,251

Cheap Bessemer, Alabama Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Bessemer, Alabama compared to the annual auto insurance rates with a clean record in Bessemer, Alabama.

Annual Bessemer, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,045 $3,603 $4,302 $3,456
Farmers $3,751 $4,859 $4,741 $4,478
GEICO $2,137 $3,468 $4,335 $2,842
Liberty Mutual $4,624 $6,455 $6,297 $6,237
Nationwide $2,525 $2,525 $3,685 $2,821
Progressive $4,624 $5,845 $4,984 $5,070
State Farm $5,031 $6,283 $5,532 $5,532
Travelers $3,216 $3,372 $4,959 $3,911
USAA $1,702 $2,140 $3,178 $1,841

Cheap Bessemer, Alabama Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Bessemer, Alabama is not easy. Compare the annual rates for DUI auto insurance in Bessemer, Alabama to find the best deal.

Annual Auto Insurance Rates After a DUI in Bessemer, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,302
Farmers $4,741
GEICO $4,335
Liberty Mutual $6,297
Nationwide $3,685
Progressive $4,984
State Farm $5,532
Travelers $4,959
USAA $3,178

Cheap Bessemer, Alabama Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Bessemer, Alabama annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Bessemer, Alabama

Insurance Company Poor Fair Good
Allstate $4,438 $3,502 $2,865
Farmers $4,991 $4,303 $4,078
GEICO $4,068 $2,898 $2,621
Liberty Mutual $8,450 $5,191 $4,069
Nationwide $3,486 $2,720 $2,460
Progressive $5,767 $4,971 $4,654
State Farm $9,078 $4,590 $3,115
Travelers $4,209 $3,657 $3,728
USAA $2,979 $1,938 $1,729

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Cheap Bessemer, Alabama Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Bessemer, Alabama can vary. Compare the annual cost of auto insurance by ZIP code in Bessemer, Alabama to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Bessemer, Alabama

ZIP Code Average Annual Rates
35020 $4,397
35022 $4,112
35023 $4,113

Cheap Bessemer, Alabama Auto Insurance Rates By Commute

Commute length and annual mileage affect Bessemer, Alabama auto insurance. Find the cheapest annual Bessemer, Alabama auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Bessemer, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,602 $3,602
Farmers $4,457 $4,457
GEICO $3,140 $3,252
Liberty Mutual $5,903 $5,903
Nationwide $2,889 $2,889
Progressive $5,131 $5,131
State Farm $5,457 $5,731
Travelers $3,864 $3,864
USAA $2,114 $2,317

Cheap Bessemer, Alabama Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Bessemer, Alabama? Check out the comparison of annual Bessemer, Alabama auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Bessemer, Alabama

Insurance Company Low Medium High
Allstate $3,467 $3,595 $3,742
Farmers $4,185 $4,394 $4,793
GEICO $2,937 $3,183 $3,468
Liberty Mutual $5,619 $5,874 $6,217
Nationwide $2,874 $2,865 $2,928
Progressive $4,593 $5,105 $5,694
State Farm $5,274 $5,589 $5,920
Travelers $3,670 $3,941 $3,982
USAA $2,139 $2,204 $2,304

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Best By Category: Cheapest Auto Insurance in Bessemer, Alabama

Compare the cheapest auto insurance companies in Bessemer, Alabama in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Bessemer, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Bessemer, Alabama Auto Insurance Companies

What auto insurance companies in Bessemer, Alabama are the cheapest? Compare the top Bessemer, Alabama auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Bessemer, Alabama

Insurance Company Average Annual Rates
Allstate $3,602
Farmers $4,457
GEICO $3,196
Liberty Mutual $5,903
Nationwide $2,889
Progressive $5,131
State Farm $5,594
Travelers $3,864
USAA $2,215

What affects auto insurance rates in Bessemer, Alabama?

There are a lot of reasons why auto insurance rates in Bessemer, Alabama are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Bessemer, Alabama. Many local factors may affect your Bessemer auto insurance rates.

Bessemer Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Bessemer, Alabama commute length is 22.8 minutes according to City-Data.

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Compare Bessemer, Alabama Auto Insurance Quotes

Before you buy Bessemer, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Bessemer, Alabama auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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