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Cheap Auto Insurance Quotes in Bessemer, AL (July 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Bessemer, AL

The average cost of Alabama car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Bessemer, AL to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Bessemer is $201 per month, or $2412 annually.
  • Car insurance in Bessemer is $38 more than the average cost of car insurance in Alabama.
  • The cheapest car insurance provider in Bessemer on average is National General, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

State Farm
$88
Allstate
$99
Travelers
$133
The General
$178
Direct Auto
$179

Cheapest Car Insurance in Bessemer, AL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in BessemerQuotes
State Farm$88 /mo
Allstate$99 /mo
Travelers$133 /mo
The General$178 /mo
Direct Auto$179 /mo

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Average Car Insurance Cost

Alabama Cities
Birmingham$152/mo
Montgomery$135/mo
Mobile$134/mo
Huntsville$129/mo
Bessemer$154/mo
Alabama$141/mo
Huntsville
$129
Mobile
$134
Montgomery
$135
Average for AL
$141
Birmingham
$152
Bessemer
$154
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Alabama

All motor vehicles operated or parked on Alabama roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Alabama[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Alabama is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $50,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Find local Bessemer agents

  • Holt Insurance Agency

    1423 Fourth Avenue North,
    Bessemer, AL 35020-5676
  • Corkren Insurance LLC

    700 Academy Dr #112,
    Bessemer, AL 35022
  • Master Quote

    1120 19th St N,
    Bessemer, AL 35020
  • Holt Insurance Agency Inc

    1423 4th Ave N,
    Bessemer, AL 35020
  • Nationwide Insurance: Calvin E Lewter

    417 4th Ave N,
    Bessemer, AL 35020
  • PAC Insurance Agency, Inc.

    421 19th St N,
    Bessemer, AL 35020
  • Alabama Insurance

    1400 9th Ave N,
    Bessemer, AL 35020
  • Alfa Insurance

    2904 Morgan Rd Ste. 108,
    Bessemer, AL 35022
  • Owens Insurance Group

    417 4th Ave N,
    Bessemer, AL 35020
  • Freeway Insurance

    760 Academy Dr Suite 100,
    Bessemer, AL 35022
View more

FAQs - Bessemer, AL Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Bessemer Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Bessemer, Alabama below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Bessemer drivers measure up to their fellow motorists across Alabama in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

nissan

Nissan Altima

Most Popular Car in Bessemer

#24

City with the Most Speeding Tickets Rank in Alabama

#46

City with the Most Moving Violations Rank in Alabama

#24

City with the Most DUIs Rank in Alabama

#2

City with the Most Suspended Licenses in Alabama

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Bessemer drivers rank 17 in the number of car accidents per driver across all cities in Alabama.

    • Rank within state: #17
    • Percent of drivers in Bessemer with an accident: 10.56%
    • Drivers in Bessemer, AL with an accident in their driving history pay on average 69.1% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Alabama, Bessemer drivers rank 24 in the number of speeding infractions per driver.

    • Rank within state: #24
    • Percent of drivers in Bessemer with a speeding ticket: 9.63%
    • Drivers in Bessemer, AL with a speeding ticket in their driving history pay on average 50% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Bessemer drivers rank 24 in the number of DUI’s per driver across all cities in Alabama.

    • Rank within state: #24
    • Percent of drivers in Bessemer with a DUI: 0.93%
    • Drivers in Bessemer, AL with a DUI in their driving history pay on average 0% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Bessemer is the Nissan Altima.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Alabama, Bessemer drivers rank 5 in rude driving infractions.

    • Rank within state: #5
    • Percent of drivers in Bessemer with a reckless driving violation: 1.97%
    • Drivers in Bessemer, AL with a reckless driving violation in their driving history pay on average 80.34% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Bessemer drivers rank 3 in clean driving records across all cities in Alabama.

    • Rank within state: #3
    • Percent of drivers in Bessemer with clean record: 80.74%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Bessemer drivers rank 10 in failure to yield violations per driver across all cities in Alabama.

    • Rank within state: #10
    • Percent of drivers in Bessemer with a failure to yield violation: 0.12%
    • Drivers in Bessemer, AL with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Alabama, Bessemer drivers rank 12 in the number of reckless driving offenses per driver.

    • Rank within state: #12
    • Percent of drivers in Bessemer with a reckless driving offense: 0%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Bessemer drivers rank 32 in hybrid and electric vehicle ownership across all cities in Alabama.

    • Rank within state: #32
    • Percent of drivers in Bessemer with a hybrid/electric vehicle: 0.17%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Insurance Content Project Manager

Tanveen Vohra is an insurance content project manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. Alabama Department of Insurance. "State Mininum Car Insurance Requirements." Accessed May 28, 2022