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How much is car insurance in Bessemer?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Bessemer will typically run you about $5 a month more than in the rest of Alabama.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Bessemer is rather affordable. The average monthly payment in Bessemer is about $23 less than the rate for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Bessemer, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've broken down the average rates for Bessemer to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may rise again in Bessemer.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The price for insurance coverage in Bessemer, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Bessemer with a single accident on their record is about $78 a month. In addition, drivers with a single ticket on their record can expect to pay around $76 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$56|
In terms of affordable coverage, the cheapest vehicles to insure in Bessemer are usually trucks and vans, at $54 per month.
Car owners, on the other hand, typically pay around $56 a month, while SUV drivers can expect to pay about $59 per month for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is around 5 years old. In Bessemer, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
Generally, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Although single drivers normally pay more for auto insurance than married couples do, the rates for both groups in Bessemer are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Bessemer. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Bessemer, AL
Recent trends in car insurance for Bessemer drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
The cost of car insurance coverage in Bessemer went up from 2016-2018, before leveling out in 2019. Insurance rates finished down in 2021, at $46 a month
How does Bessemer compare to neighboring areas?
Why are car insurance rates in Bessemer different from other areas?
Car insurance companies will take into account a variety of factors when they're figuring out how much to charge for a policy. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Crime rates
- General road safety (how many accidents each locality has)
- Total number of drivers in the community
- Regional laws
- Off-street parking availability
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Bessemer?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Bessemer.
Bessemer Insurance FAQs
What factors affect car insurance quotes in Bessemer?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Bessemer different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Bessemer?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bessemer?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Bessemer or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.