Cheapest Car Insurance Quotes in Bessemer

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Bessemer Car Insurance

^$ 34

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Bessemer

The car insurance rate in Bessemer is $1298 for a six-month policy, which is $26 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $483, making it a popular choice for budget-conscious drivers. Rates in Bessemer can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Bessemer

$1298

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Bessemer

1st place: Travelers

At $483 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $617 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $669 for six months, making it the third cheapest auto insurance company in Bessemer.

Bessemer Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bessemer, MI is Travelers, offering policies at just $483 for a six-month term. This is followed by USAA, which has an average six-month premium of $617.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $798 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bessemer drivers find the best deals.

Cheap Car Insurance Companies in Bessemer, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$483	$81
USAA	$617	$104
Encompass	$669	$114
Auto-Owners Insurance Co	$687	$115
Chubb	$722	$123
Farm Bureau Ins of MI	$850	$142
Auto-Owners	$891	$150
AAA	$897	$151
Pioneer State Mutual Ins Co	$925	$158
Progressive	$949	$160
Westfield	$1152	$194
Farm Bureau	$1647	$274
Pioneer State Mutual	$1793	$305
State Farm	$1915	$322
Frankenmuth	$2037	$347
Bristol West	$2299	$383
Allstate	$1764	$300
Farmers	$3574	$608
Hastings Mutual	$798	$133

Key Takeaways

Way's key takeaways about car insurance in Bessemer

The auto insurance costs in Bessemer fall around $483 for six months.
The cheapest auto insurance company in Bessemer is Travelers.
Teen drivers pay the highest rate in Bessemer at $947 per month.

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Cheapest Minimum Liability Car Insurance in Bessemer

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Bessemer are given below.

Travelers provides the cheapest minimum car insurance coverage in Bessemer. Their Average 6 Month Premium is $204. Farmers is the most expensive at $1857 for the same period.

Cheapest Liability Coverage in Bessemer, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$204	$34
Westfield	$216	$36
USAA	$256	$43
Encompass	$279	$47
Chubb	$297	$51
Auto-Owners Insurance Co	$320	$53
Auto-Owners	$355	$60
Progressive	$402	$68
AAA	$408	$70
Farm Bureau Ins of MI	$414	$69
Farm Bureau	$518	$88
Pioneer State Mutual	$524	$87
Frankenmuth	$617	$105
State Farm	$955	$161
Bristol West	$960	$164
Allstate	$751	$127
Farmers	$1857	$310

Cheapest Full Coverage Car Insurance in Bessemer

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Bessemer is Travelers at $81 per month and $483 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bessemer, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$483	$81
USAA	$617	$104
Encompass	$669	$114
Auto-Owners Insurance Co	$687	$115
Chubb	$722	$123
Farm Bureau Ins of MI	$850	$142
Auto-Owners	$891	$150
AAA	$897	$151
Pioneer State Mutual Ins Co	$925	$158
Progressive	$949	$160
Westfield	$1152	$194
Farm Bureau	$1647	$274
Pioneer State Mutual	$1793	$305
State Farm	$1915	$322
Frankenmuth	$2037	$347
Bristol West	$2299	$383
Allstate	$1764	$300
Farmers	$3574	$608
Hastings Mutual	$798	$133

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Average Car Insurance in Bessemer by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Bessemer, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Bessemer, Michigan, may be increasing due to several external factors. Michigan has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Bessemer's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bessemer

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Bessemer,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Bessemer at $40 per month. At $5681 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$239	$40
Westfield	$256	$43
Encompass	$279	$47
Chubb	$332	$57
Auto-Owners Insurance Co	$349	$58
Grange	$454	$77
USAA	$984	$166
Auto-Owners	$1234	$208
AAA	$1601	$270
Progressive	$2259	$380
Farm Bureau	$2689	$448
Pioneer State Mutual	$3155	$536
Frankenmuth	$3760	$627
State Farm	$5286	$899
Allstate	$3819	$650
Farmers	$16392	$2787
Bristol West	$5681	$947

Teen Car Insurance Rates in MI by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Bessemer, Travelers is the cheapest car insurance provider. At $390 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Bessemer is Farm Bureau Ins of MI, offering rates of around $1234 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$390	$65
Encompass	$402	$69
Progressive	$564	$94
Westfield	$594	$101
Auto-Owners Insurance Co	$629	$105
Pioneer State Mutual Ins Co	$768	$130
Grange	$972	$162
Farm Bureau Ins of MI	$1234	$210

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Car Insurance Rates with An Accident in Bessemer

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Bessemer, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bessemer

The cheapest car insurance companies after an at-fault accident in Bessemer include Chubb and Westfield, offering $297 and $315, respectively. Pioneer State is an expensive provider with an average six-month premium of $466.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$297	$51
Westfield	$315	$52
Auto-Owners Insurance Co	$367	$63
Encompass	$414	$69
Farm Bureau Ins of MI	$489	$83
Pioneer State Mutual Ins Co	$541	$90
Travelers	$576	$97
USAA	$751	$126
Progressive	$891	$150
Auto-Owners	$1036	$174
AAA	$1234	$208
Farm Bureau	$2014	$336
Pioneer State Mutual	$2148	$366
State Farm	$2427	$405
Frankenmuth	$2620	$446
Allstate	$2812	$468
Farmers	$5023	$855
Pioneer State	$466	$77

Bessemer Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bessemer MI. For example, the car insurance in Bessemer after a DUI increases to $2352 for a six month policy. While the rate increases by $1281 for a six-month policy in the case of a speeding ticket.

Bessemer auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1281	$214
Failure to wear a seat belt	$1519	$259
Cell phone violation	$1612	$269
Texting while driving	$1612	$274
Illegal turn	$1618	$270
Wrong way/wrong lane	$1618	$275
Speeding in school zone	$1642	$273
Driving with expired registration	$1653	$281
Failure to stop at a red light	$1671	$278
Improper passing	$1671	$284
Speeding 16 - 20 MPH over limit	$1857	$310
Open container	$2188	$372
Driving with a suspended license	$2451	$409
Racing	$3161	$537
Reckless driving	$3435	$572
Leaving scene of an accident/hit and run	$3522	$599
DUI	$3633	$606

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Bessemer after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Bessemer.

The cheapest car insurance premiums in Bessemer are offered by Chubb at $297 for a six-month policy. However, it can be as expensive as $9174 with companies like Allstate.

Bessemer car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$297	$49
Auto-Owners Insurance Co	$786	$133
Grange	$792	$132
Farmers	$804	$136
Progressive	$885	$149
Pioneer State Mutual Ins Co	$955	$163
USAA	$1059	$178
Travelers	$1170	$199
Auto-Owners	$1892	$319
Westfield	$1927	$324
AAA	$2125	$358
Bristol West	$2724	$464
Pioneer State Mutual	$3429	$571
Farm Bureau	$4034	$686
State Farm	$4989	$840
Frankenmuth	$9029	$1536
Allstate	$9174	$1529

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Bessemer are offered by Westfield at $256. However, it can be as expensive as $11579 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Bessemer after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$256	$43
Chubb	$297	$49
Encompass	$315	$54
Travelers	$384	$64
Auto-Owners Insurance Co	$408	$70
Farm Bureau Ins of MI	$582	$97
Grange	$617	$105
Auto-Owners	$774	$129
USAA	$792	$134
AAA	$1002	$167
Farm Bureau	$1036	$176
Pioneer State Mutual	$1141	$190
Progressive	$1164	$196
Frankenmuth	$1863	$311
State Farm	$3388	$576
Allstate	$2299	$391
Farmers	$11579	$1969

Car Insurance Price Trends in Bessemer, Michigan

Car insurance rates in Bessemer have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Bessemer dipped by $206 in January compared to $263 of December. In other words, there has been an decrease by $57 when you compare January and December.

The average cost of liability insurance in the Bessemer dipped to $73 in January, compared to $87 in December. This represents an decrease of $14 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Bessemer?

The car insurance in Bessemer is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Bessemer?

The cheapest car insurance in Bessemer is $81 per month for full coverage.

How much is car insurance in Bessemer for teenagers?

Car insurance for teenagers costs $239 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Bessemer?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $219 per month to insure your car in Bessemer.

Is car insurance expensive in Bessemer?

Car insurance can be expensive in Bessemer if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Bessemer can be affordable.

Cheapest Car Insurance Quotes in Bessemer

Why you can trust Way?

How Much Is Car Insurance in Bessemer

Avg. Car Insurance in Bessemer

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Bessemer

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Bessemer Car Insurance Rates by Company

Cheap Car Insurance Companies in Bessemer, MI

Way's key takeaways about car insurance in Bessemer

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bessemer

Cheapest Liability Coverage in Bessemer, MI

Cheapest Full Coverage Car Insurance in Bessemer

Cheapest Full Coverage Car Insurance Quotes in Bessemer, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bessemer by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Bessemer, MI increasing?

Car Insurance Premiums by Age in Bessemer

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bessemer,MI

If you are in your twenties N/A is the best choice for car insurance in Bessemer.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Bessemer

Cheapest Car Insurance Companies after an At-Fault Accident in Bessemer

Bessemer Car Insurance Rates by Violation

Bessemer auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bessemer after a DUI

Bessemer car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bessemer after Speeding ticket

Car Insurance Price Trends in Bessemer, Michigan

Average Car Insurance Cost in Bessemer by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bessemer, MI

Car Insurance Rates by State in the USA (2025 Update)

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