Cheap Quotes for Bessemer, AL Car Insurance (2021)

Bessemer, Alabama car insurance rates average $341 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Bessemer, AL companies, you can find cheap Bessemer car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Bessemer, AL are $341/month
  • Average car insurance rates in Bessemer, AL for senior drivers are $2,141/year
  • The cheapest car insurance company in Bessemer is USAA

How do the Bessemer, Alabama monthly average car insurance rates of $341/month compare to nearby cities like Dothan car insurance rates, Tuscaloosa car insurance rates, and Huntsville car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Bessemer, AL.

We’ll cover the Alabama minimum coverage requirements, Alabama car insurance laws, and Bessemer, AL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Bessemer, Alabama companies to find the most affordable Bessemer car insurance rates.

Enter your ZIP code above to find cheap Bessemer, AL car insurance quotes today.

What are the minimum Bessemer, AL car insurance requirements?

To meet Alabama minimum car insurance coverage requirements, Bessemer, AL drivers need to carry at least 25/50/25 coverage.

Minimum Required Car 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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Average Bessemer, AL Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Bessemer, AL you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Bessemer, Alabama

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

How do age, gender, and marital status affect Bessemer, AL car insurance rates?

Three of the criteria that most affect car insurance rates in Bessemer, Alabama are age, gender, and marital status. Let’s take a look at how each of these stack up with top Bessemer car insurance companies.

Annual Car 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

How much do teen drivers pay for car insurance in Bessemer, AL?

Bessemer, Alabama car insurance rates for teens are often higher than rates for other drivers. Compare Bessemer car insurance rates from multiple Bessemer, Alabama car insurance companies to get the best deal.

Annual Car 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

How much do senior drivers pay for car insurance in Bessemer, AL?

With a little research, seniors can find affordable car insurance in Bessemer, Alabama. Here’s a look at how the top Bessemer car insurance companies stack up.

Annual Car 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

How does coverage level affect Bessemer, AL car insurance rates?

How much coverage do you need? Are you comfortable with the Alabama minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Bessemer, AL car insurance rates will be. Let’s take a look.

Annual Car 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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How does your driving record affect Bessemer, AL car insurance rates?

Safe driving pays off. The more traffic violations you have in Bessemer, AL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Bessemer, Alabama companies.

Annual Bessemer, Alabama Car 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

How does a DUI affect Bessemer, AL car insurance rates?

With even one DUI on your record, you can see an increase in your Bessemer, AL car insurance rates.

Annual Car Insurance Rates After a DUI in Bessemer, Alabama

Insurance Company Annual Car 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

How does your credit history affect Bessemer, AL car insurance rates?

Take a look at the data here to see how your Bessemer, Alabama car insurance rates are affected by your credit history.

Annual Car 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

How does your commute affect Bessemer, AL car insurance rates?

Bessemer, AL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Alabama can be seen here. Remember, though, that you may have to carry substantially more car insurance in Bessemer if you’re financing.

Annual Car Insurance Rates by Commute Length in Bessemer, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

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Who has the cheapest Bessemer, AL car insurance rates?

Here’s a breakdown of Bessemer, Alabama car insurance rates by company. You can see which company offers the cheapest Bessemer car insurance rates in each category.

Best Annual Car 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

What are the top Bessemer, AL car insurance companies?

Which Bessemer, Alabama car insurance company will best fit your needs and budget? Check out this comparison of the top Bessemer companies to find the one for you.

Average Annual Car 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 factors affect Bessemer, AL car insurance rates?

Why are Bessemer, Alabama car insurance rates different than rates in Dothan or Tuscaloosa? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Bessemer, AL?

More time spent behind the wheel can lead to higher Bessemer, Alabama car insurance rates. In Bessemer, AL, the average commute length is 22.8 minutes.

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Car Insurance Quotes for Bessemer, AL

Shop for affordable Bessemer, Alabama car insurance rates today. Enter your ZIP code to compare quotes from multiple Bessemer, AL car insurance companies.

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