Cheapest car insurance companies in Bessemer City
A recent data analysis by Insurance.com found the cheapest car insurance companies are Erie Insurance and State Farm in Bessemer City for 2023.
The car insurance company in Bessemer City that provides the cheapest car insurance premiums is Erie Insurance, with an average annual rate of $1,227 .
Car insurance prices in Bessemer City can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Bessemer City drivers.
| Companies | Average annual rates |
|---|---|
| Erie Insurance | $1,227 |
| State Farm | $1,240 |
| North Carolina Farm Bureau | $1,418 |
| Nationwide | $1,565 |
| Geico | $1,757 |
| Penn National Insurance | $2,170 |
| Farmers | $2,348 |
| Progressive | $2,348 |
| UTICA Grp | $2,469 |
| Allstate | $3,250 |
Cheapest car insurance cost in Bessemer City by Age Group
Erie Insurance is the cheapest option for car insurance in Bessemer City for teen drivers, with average annual premiums at just $2,650 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.
Erie Insurance is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Bessemer City at about $1,410 per year.
For Bessemer City drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. Erie Insurance provides the cheapest car insurance premiums, offering full coverage policies at $1,193 annually.
If you are a senior driver in Bessemer City and looking for a cheap car insurance company, then consider buying insurance from Erie Insurance. It is the cheapest auto insurance company for senior drivers, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $1,323 per year.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Erie Insurance | $2,650 | $1,410 | $1,193 | $1,323 |
| State Farm | $3,015 | $1,940 | $1,297 | $1,325 |
| North Carolina Farm Bureau | $3,162 | $1,548 | $1,369 | $1,436 |
| Nationwide | $3,614 | $2,227 | $1,560 | $1,478 |
| Penn National Insurance | $4,431 | $2,170 | $2,170 | $2,170 |
| Farmers | $4,795 | $2,348 | $2,348 | $2,348 |
| Progressive | $4,795 | $2,348 | $2,348 | $2,348 |
| Geico | $5,255 | $1,847 | $1,732 | $1,785 |
| UTICA Grp | $6,431 | $2,489 | $2,438 | $2,427 |
| Allstate | $7,421 | $4,238 | $3,143 | $2,794 |
Cheapest car insurance companies in Bessemer City by driver profile
Car insurance rates in Bessemer City vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.
Finding the cheapest car insurance in Bessemer City requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit.
Here's a list of car insurance companies that offer cheap insurance rates in Bessemer City based on driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: Nationwide
- Cheapest for accident: State Farm
- Cheapest for DUI: Nationwide
Cheapest for a driver with poor credit: Nationwide
The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for Bessemer City drivers at about $1,437 per year.
Here are car insurance carriers that offer affordable rates for drivers with poor credit scores in Bessemer City.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,437 |
| Geico | $1,543 |
| Progressive | $2,082 |
| State Farm | $2,980 |
| Allstate | $4,056 |
Cheapest for drivers with a speeding ticket: Nationwide
Nationwide offers the cheapest auto insurance rates for drivers with a speeding ticket in Bessemer City. It provides full coverage car insurance for drivers aged 30 at about $1,714 per year.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| Nationwide | $1,714 |
| State Farm | $2,007 |
| Geico | $2,327 |
| Progressive | $3,131 |
| Allstate | $3,492 |
Cheapest auto insurance after an at-fault accident: State Farm
Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.
In a recent data analysis, Insurance.com found that State Farm offers the cheapest car insurance rates for Bessemer City drivers with at-fault accidents. It provides coverage at an average annual cost of $2,052.
| Company | Average annual rates |
|---|---|
| State Farm | $2,052 |
| Nationwide | $2,088 |
| Geico | $3,133 |
| Progressive | $3,196 |
| Allstate | $4,552 |
Cheapest auto insurance after a DUI: Nationwide
In Bessemer City, Nationwide has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $4,399 a year.
Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.
| Company | Average annual rates |
|---|---|
| Nationwide | $4,399 |
| State Farm | $5,330 |
| Geico | $7,725 |
| Progressive | $8,025 |
| Allstate | $9,603 |
Average car insurance cost in Bessemer City
The average car insurance rate in Bessemer City for full coverage is $1,979 per year or $165 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Bessemer City is $645 per year.
You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,979 | $645 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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