The Best Car Insurance in Bakersfield, CA, for 2022

The best car insurance company in Bakersfield, California, is Esurance, which received a MoneyGeek score of 92 out of 100 based on customer satisfaction, affordability and financial stability. However, the best insurer for you may vary based on your age and the amount of coverage you select.

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Last Updated: 8/12/2022
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Overall, Esurance is the best car insurance company in Bakersfield, California. However, your choice of coverage level, age and driving history will determine the best insurance package for you. MoneyGeek has organized the top-rated options for full and minimum coverage, for young and older drivers, those with traffic violations and those with a military background to make it easier to find the best car insurance policy.

Additionally, MoneyGeek provided information about the best deals on Bakersfield car insurance for drivers looking to save.

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The Best Car Insurance in Bakersfield

Best Car Insurance Companies in Bakersfield: Overall

MoneyGeek's rankings for the best car insurance companies are based on claims ratings, customer satisfaction and average premiums across various driver profiles. According to this evaluation, the best auto insurance companies in Bakersfield are:

  • Esurance: 92 out of 100
  • AAA: 86 out of 100

USAA was excluded from our rankings, but it received a MoneyGeek score of 87 out of 100. However, its policies are only available to current or former military members and their families.

The Top Car Insurance Companies in Bakersfield

1
EsuranceOverall
Score:92

4.8/5

Affordability

3.7/5

Claims

4.2/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Out of a total of five points, Esurance scored 4.17 on customer satisfaction and 4.5 on financial stability. Two unique coverages offered by the insurer are custom parts and equipment coverage and rideshare insurance. A full coverage policy from Esurance costs about $959 per year.

More About Esurance

A top-rated car insurance company, Esurance provides affordable policies across all 50 states in the U.S. Its rarest coverage, custom parts coverage, protects after-market upgrades to your car. If you add custom parts and equipment coverage, you will be protected if anything happens to your upgrades, as long as they are not factory-installed. Rideshare insurance is also available, which provides coverage for drivers who work for rideshare companies.

Read MoneyGeek's Esurance auto Insurance Review
2
AAA
Score:86

4.2/5

Affordability

5/5

Claims

4.5/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

AAA earned impressive scores for stability and customer satisfaction. A full coverage policy from AAA costs an average of $1,149 per year. One of its rare coverages is identity theft coverage.

More About AAA

AAA offers identity theft coverage which covers some of the costs associated with identity theft. In short, it reimburses victims for expenses they incurred while restoring their financial identity and restoring their credit reports. Such expenses may include phone bills or legal assistance.

Read MoneyGeek's AAA auto Insurance Review
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RESOURCES ON CAR INSURANCE IN BAKERSFIELD, CALIFORNIA

For people who want to maximize savings on their auto insurance, MoneyGeek analyzed the cheapest insurance companies in Bakersfield. California drivers can also use MoneyGeek resources to find the cheapest and best options in the state:

Best Cheap Car Insurance for Minimum Coverage in Bakersfield

For drivers wanting a basic insurance policy that meets the California mandate for minimum coverage car insurance, the top-rated companies in Bakersfield are:

  • GEICO: 94 out of 100
  • AAA: 89 out of 100

MoneyGeek’s rankings consider different driver backgrounds, including young and older drivers and those with violations.

MoneyGeek’s Pick: GEICO

GEICO

pros

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A minimum coverage policy costs $454 per year

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek user satisfaction rating of 4.5 out of 5

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Offers roadside assistance, rental car and/or travel reimbursement and mechanical breakdown insurance

cons

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No discounts when you pay in full or go paperless

COMPANY HIGHLIGHTS

A number of GEICO's discounts are available when bundling, insuring multiple cars or staying safe behind the wheel. You can bundle your GEICO auto insurance with the insurer’s homeowners or renters insurance policy to receive a discount. Additionally, you can get a discount if you have more than one vehicle insured. If you remain accident-free for five years, you may also qualify for a discount.

GEICO policyholders may also qualify for a new vehicle discount if they just purchased or leased the vehicle. Using your seat belt will also earn you a discount.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance for Young Drivers in Bakersfield

MoneyGeek looked at ratings across a variety of coverages and driving records to find the best companies for young drivers, specifically 18-year-old drivers. According to our data, the best auto insurance companies for young drivers in Bakersfield are:

  • State Farm: 81 out of 100
  • AAA: 76 out of 100

Remember that car insurance rates for young drivers and student drivers will typically be higher since they lack experience behind the wheel.

MoneyGeek’s Pick: State Farm

State Farm

pros

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An annual full coverage policy for a young driver with a clean driving record costs $2,749

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek user satisfaction rating of 4.5 out of 5

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Offers bundling, multiple car and new vehicle discounts

cons

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No discounts when you pay in full or go paperless

COMPANY HIGHLIGHTS

Since young drivers lack experience on the road, they are considered by insurance companies to be at a higher risk for violations or accidents. As a result, car insurance for young drivers is more expensive, but State Farm provides great customer service at an affordable rate.

Moreover, State Farm has additional coverages to support young drivers. For example, the company offers distant student, driver's education and good student discounts. A student under the age of 25 who moves away to school and only uses the car at home is eligible for a distant student discount. A driver’s education discount is also available if all under 21 drivers on the policy complete an approved driver education course. Moreover, young drivers can receive a discount for having a B or 3.0 grade point average or ranking in the top 20% of their class.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance for Senior Drivers in Bakersfield

To find the best auto insurance in Bakersfield for senior drivers, we based our scores on different policy coverage and driving histories for 70-year-old drivers. Below are the top-rated companies, according to our rankings:

  • State Farm: 91 out of 100
  • Esurance: 90 out of 100

The price of a senior driver's insurance tends to be higher, but you can still shop around for the best combination of quality and affordability.

MoneyGeek’s Pick: State Farm

State Farm

pros

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An annual full coverage policy for responsible senior drivers costs approximately $1,154 per year

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek user satisfaction rating of 4.5 out of 5

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Offers discounts for defensive driving and safe driving

cons

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No discounts for senior drivers

COMPANY HIGHLIGHTS

Senior citizens often pay more for car insurance than middle-aged drivers. Older drivers can, however, take advantage of State Farm's affordable policies and discounts. For instance, State Farm policyholders who haven't been cited for a driving violation in over three years may qualify for a safe driver discount. Furthermore, State Farm offers reimbursement for rental cars, meals and lodging, up to the policy’s established limits.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance With a Driving Violation in Bakersfield

Using an array of policy coverages and age groups, MoneyGeek ranked companies in Bakersfield that offer coverage to drivers with at-fault accidents. According to our rankings, the best companies for drivers with violations in Bakersfield are:

  • Esurance: 87 out of 100
  • AAA: 82 out of 100

Having an accident significantly raises your insurance premiums, so it is useful to find a company that offers affordable car insurance for drivers with a bad driving record.

MoneyGeek’s Pick: Ensurance

Esurance

pros

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An affordable full coverage policy for a 40-year-old driver with an accident on their record costs $1,493 per year

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MoneyGeek financial stability rating of 4.5 out of 5

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MoneyGeek user satisfaction rating of 4.17 out of 5

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Offers bundling discounts

cons

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Doesn’t offer accident forgiveness coverage

COMPANY HIGHLIGHTS

If you have an accident or a violation on your record, you can find companies that offer quality service and appropriate coverages while allowing you to save. For instance, Esurance offers custom parts coverage that insures your car in the event of after-market upgrades. It also offers roadside assistance which covers towing and labor costs if your car breaks down. Plus, just by owning a home, you will be eligible for a homeowner discount.

Read MoneyGeek's Esurance Auto Insurance Review

Best Car Insurance With a Military Background in Bakersfield

If you're a military member in Bakersfield looking for auto insurance, USAA is the cheapest and most reliable choice.

USAA scored 89 out of 100 on MoneyGeek. Different coverage levels and drivers' backgrounds contribute to the score, including young drivers, older drivers and drivers with multiple violations.

MoneyGeek usually excludes USAA from its rankings due to its limited availability — it only caters to military members and their families.

MoneyGeek’s Pick: USAA

USAA

pros

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An affordable full coverage policy costs $1,092 per year for a 40-year-old driver

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Offers five of the most common discounts, including safe driving, defensive driving and multiple car

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MoneyGeek claims rating of 5 out of 5

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MoneyGeek user satisfaction rating of 5 out of 5

cons

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Only offers three of the seven typically featured coverages — missing gap insurance and better car replacement

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Exclusively offered to military members, veterans and their families

COMPANY HIGHLIGHTS

USAA consistently ranks high on various insurance provider rankings because of its affordability and service rating. The company offers roadside assistance, rental car reimbursement and accident forgiveness as standard coverage. Other coverage options, however, are not available through USAA.

There are five discounts that USAA offers out of the nine most popular discounts, including bundling, multiple car, good student, safe driving and defensive driving. Additionally, those who insure a vehicle less than three years old are eligible for the new vehicle discount.

Read MoneyGeek's USAA Auto Insurance Review

Methodology

The MoneyGeek car insurance company ratings are based on quotes from Bakersfield providers and evaluations from industry leaders, including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

MoneyGeek applied the following weights to each assessment category to determine the best car insurance in Bakersfield, California, for different driver profiles:

  • Affordability (70%): Using data collected from insurers in Bakersfield, MoneyGeek ranked insurers by their average premiums. Providers offering the cheapest rates in the city received a perfect score.
  • Customer and claims satisfaction (20%): MoneyGeek analyzed surveys from J.D. Power to identify the customer satisfaction level of each insurance provider based on service and claims. The subcategories were each given a 10% weighting.
  • Financial stability (10%): MoneyGeek used AM Best ratings to assess an insurance company's ability to meet financial obligations despite economic fluctuations.

MoneyGeek assigned each category a score of five points before calculating an overall score of 100 points. Several factors were taken into account in calculating the affordability score, including age, driving history and coverage levels, and were adjusted as required to focus on specific driver profiles.

With the exception of the cheapest minimum coverage category, all rates are representative of the average premiums for a full coverage policy with the following limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • Comprehensive and collision coverage with a $1,000 deductible

For more information on MoneyGeek's collection, comparison and scoring process, check our car insurance methodology.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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