Updated: December 20, 2025
Advertising & Editorial Disclosure
GEICO: Most affordable for diverse driver types in Bakersfield. Full coverage costs $89 monthly while minimum coverage runs $38, delivering 24% savings compared to the city average.
Progressive: Runner-up for affordability at $56 monthly for minimum coverage and $108 for full coverage.
AAA: Third most affordable option that stands out for drivers with an accident and drivers with a speeding ticket, providing accessible coverage when other insurers charge premium rates.
Cheapest by Coverage and Driver Profile in Bakersfield:
Drivers looking for affordable coverage in Bakersfield have strong options with both minimum and full protection. GEICO leads with the cheapest minimum coverage at just $38 monthly, saving you 42% compared to the city average, while AAA comes in second at $50 per month with 25% savings.
GEICO offers the lowest rates for full coverage at $89 monthly, with a 42% savings. Progressive takes second place for comprehensive protection at $108 per month, still saving you 25% below Bakersfield's average rates.
| Geico | $38 | $89 | -42% |
| AAA | $50 | $114 | -25% |
| Progressive | $56 | $108 | -25% |
| State Farm | $62 | $141 | -8% |
| Mercury Insurance | $68 | $139 | -6% |
Not in Bakersfield? Read more about the cheapest car insurance or the best provider in California.
Teens and drivers in their early 20s pay the highest rates due to inexperience. Auto-Owners offers the cheapest full coverage at $230 monthly. Travelers charges $259, and COUNTRY Financial costs $273.
Young drivers can reduce costs by hundreds of dollars annually by staying on a parent's policy instead of buying separate coverage. Defensive driving courses earn 5% to 15% discounts.
| Geico | $167 | $2,006 | -37% |
| Wawanesa Insurance | $191 | $2,295 | -28% |
| State Farm | $196 | $2,351 | -27% |
| AAA | $215 | $2,578 | -20% |
| Progressive | $235 | $2,823 | -12% |
Bakersfield seniors can take advantage of several money-saving opportunities when shopping for car insurance. GEICO leads with the most affordable rates at $95 monthly for full coverage, followed by State Farm at $120 and AAA at $130. Beyond competitive base rates, seniors can save through defensive driving courses, which provide up to 10% discounts lasting three years.
Most insurers offer accident forgiveness programs for drivers aged 65 and older. State Farm offers senior-specific discounts, including age-based rate reductions and credits for completing safety courses.
| Geico | $95 | $1,142 | -43% |
| State Farm | $121 | $1,452 | -28% |
| AAA | $131 | $1,567 | -22% |
| Progressive | $131 | $1,576 | -21% |
| Wawanesa Insurance | $138 | $1,654 | -17% |
If you have a DUI, GEICO offers the most affordable coverage at $91 monthly for minimum limits, while Mercury comes in second at $118. For speeding tickets, GEICO offers $57 per month, followed by AAA at $66.
At-fault accidents will cost you $68 monthly with GEICO or $71 with AAA for basic coverage. Since rates vary between companies after violations, shopping around is essential. Speeding tickets affect your rates for three to five years, but serious violations like DUIs can impact your premiums for up to a decade.
| At-Fault Accident | Geico | $68 | -39% |
| At-Fault Accident | AAA | $71 | -36% |
| DUI | Geico | $92 | -45% |
| DUI | Mercury Insurance | $118 | -30% |
| Speeding Ticket | Geico | $57 | -44% |
| Speeding Ticket | AAA | $67 | -35% |
Your ZIP code influences car insurance rates. The cheapest area, 93305, averages $135 monthly for full coverage, while the priciest ZIP code, 93306, costs $170 per month. That's a $35 monthly difference just based on where you live.
| 93306 | $170 |
| 93312 | $161 |
| 93314 | $159 |
| 93301 | $142 |
| 93307 | $141 |
| 93304 | $141 |
| 93309 | $138 |
| 93311 | $138 |
| 93305 | $135 |
| 93313 | $135 |
| 93305 | $135 |
| 93313 | $135 |
| 93311 | $138 |
| 93309 | $138 |
| 93304 | $141 |
| 93307 | $141 |
| 93301 | $142 |
| 93314 | $159 |
| 93312 | $161 |
| 93306 | $170 |
Progressive takes the top spot in Bakersfield with an impressive MoneyGeek score of 88 out of 100. This insurer excels at delivering comprehensive coverage options while maintaining competitive pricing.
GEICO, AAA, Auto-Owners and Mercury round out the city's best insurance choices. These companies consistently deliver affordable rates and reliable customer service that Bakersfield drivers can count on.
| Progressive | 89 | 2 | 3 | 2 |
| Geico | 87 | 1 | 7 | 7 |
| AAA | 83 | 3 | 5 | 7 |
| Auto Owners | 79 | 8 | 1 | 6 |
| Mercury Insurance | 79 | 5 | 6 | 5 |
Comprehensive coverage options for diverse driving needs
Snapshot program personalizes rates based on driving habits
Accepts high-risk drivers with flexible payment plans
Extra charges for roadside assistance coverage
Limited local service centers in Bakersfield area
Higher rates for drivers with clean records
Progressive ranks first in Bakersfield through outstanding digital solutions and 24/7 support. The company's mobile app provides on-demand access to claims reporting, policy management, and roadside assistance.
Progressive offers unique features like the Snapshot program for safe drivers and disappearing deductibles for claim-free periods, plus specialized coverage options including Pet Injury protection.
Most affordable rates across all driver types
Specialized coverage for high-risk drivers available
24/7 mobile claims filing and tracking
Limited natural disaster coverage options
No physical offices for face-to-face service
Lower customer experience ratings than competitors
GEICO ranks first in Bakersfield by combining the lowest rates across all driver categories with digital tools designed for local challenges. The company offers the best prices for young drivers, seniors, and those with violations while providing 24/7 mobile claims processing.
GEICO's comprehensive coverage addresses earthquake risks and auto theft concerns common in the area, plus optional Mechanical Breakdown Insurance helps drivers manage unexpected repairs.
Bakersfield drivers pay some of the highest car insurance rates in California. Finding affordable coverage requires comparing quotes from multiple insurers.
Bundle auto with home or renters (15% to 25% off). Add multi-car discounts (10% to 25% per vehicle). Combine good driver, paperless billing and automatic payment for 30% to 40% total savings.
Move from $500 to $1,000 and save 10% to 15% annually. Choose only what you can afford in cash.
Rates change yearly as companies adjust for Bakersfield's risk profile. Your driving record improves after three years, reducing your rates.
You can find savings for your car insurance.
Bakersfield car insurance sits in the middle of California's prices. Full coverage runs about $146 monthly here. While that's significantly less than Granada Hills at $243 per month, it's still higher than Weed's $47 monthly rate, showing how location affects your insurance costs across the state.
Finding affordable car insurance in Bakersfield starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and California’s insurance requirements all shape your premium.
We partnered with the California Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Bakersfield ZIP code.
Our ratings for the best car insurance in Bakersfield are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which shows which insurers maintain competitive rates across Bakersfield neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
