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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Bessemer for teen drivers is USAA
  • Average car insurance rates in Bessemer, AL for senior drivers are $2,141/year
  • The cheapest car insurance company in Bessemer after a DUI is USAA

Average car insurance rates in Bessemer, Alabama are $341 a month. But with a little research you can get a great deal from the top car insurance companies in Bessemer, AL. Before you buy Bessemer, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Bessemer car insurance rates with Tuscaloosa car insurance rates, Huntsville car insurance rates, or Birmingham car insurance rates to make sure you’re getting the best Bessemer, AL car insurance quotes available.

Need affordable Bessemer, AL car insurance? Enter your ZIP code to compare Bessemer car insurance quotes from multiple car insurance companies near you.

Bessemer, AL Minimum Car Insurance Coverage

Bessemer, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

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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Bessemer, AL Car Insurance Rates by Coverage Level

Some Bessemer drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Bessemer, Alabama car insurance rates may be based on the coverage you need.

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

Bessemer, AL Car Insurance Rates by Age, Gender, and Marital Status

Bessemer, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Bessemer, AL car insurance, get quotes from multiple car insurance companies in the Bessemer area and see how these criteria affect your rates.

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

Bessemer, AL Car Insurance Rates for Teens

How much is Bessemer, Alabama car insurance for teens? Compare rates from top Bessemer car insurance companies below to help find the cheapest teen car insurance in Bessemer, AL.

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

Bessemer, AL Car Insurance Rates for Seniors

Before seniors buy Bessemer, Alabama car insurance, they should make sure to shop around. Some Bessemer, AL car insurance companies may offer discounts or other savings options for senior car insurance.

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

Bessemer, AL Car Insurance Rates by Credit History

How does your credit history affect Bessemer, AL car insurance rates? Review the numbers here to find out.

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

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Bessemer, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Bessemer, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Bessemer.

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

Bessemer, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Bessemer, AL car insurance rates. Compare rates below to see which Bessemer car insurance company has the best rates for drivers with a DUI.

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

Bessemer, AL Car Insurance Rates by ZIP Code

Just like Bessemer car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Bessemer, AL car insurance rates fluctuate 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

Bessemer, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Bessemer, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Bessemer companies based on commute time.

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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Bessemer, AL Cheapest Car Insurance Rates

How do the top Bessemer, Alabama car insurance companies’ average rates stack up against the Bessemer average monthly car insurance rates of $341? Take a look and see.

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

Bessemer, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Bessemer, Alabama car insurance companies to help you find one that best fits your needs.

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

Other Factors Affecting Bessemer, AL Car Insurance Rates

Before you buy Bessemer, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Bessemer, AL Commute Time

How does your Bessemer, AL commute time compare with the average driver? In Bessemer, the average commute is 22.8 minutes.

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Bessemer, AL Car Insurance Quotes

Compare Bessemer, AL car insurance quotes from multiple companies by entering your ZIP code now.