bestauto insuranceBakersfield2022Compare the Cheapest Car Insurance Quotes in Bakersfield, CA
Car insurance in Bakersfield costs an average of $1,291 per year, which is cheaper than the state average. The cheapest insurer for the average driver is Esurance. MoneyGeek analyzed the most affordable options across different coverage levels and driver profiles. For drivers looking to balance costs and quality service, MoneyGeek ranked the best car insurance companies in Bakersfield.
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Advertising & Editorial DisclosureLast Updated: 9/22/2022
Written By |
Mark Fitzpatrick
Overall, Esurance is the cheapest in Bakersfield; it’s also the cheapest option with a speeding ticket. For a minimum coverage policy, GEICO is the best option. For the military, USAA offers low-price policies. MoneyGeek rated AAA as the best company, balancing service quality and affordability. Your best company depends on your driving history and coverage needs.
bestauto insuranceBakersfield2022The Cheapest and Best Car Insurance in Bakersfield
Cheapest Overall - Esurance
Cheapest State Minimum - Esurance
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
The Cheapest Car Insurance Companies in Bakersfield
MoneyGeek found the following companies offer the cheapest full coverage policies in Bakersfield:
- Esurance: $959 per year
- Progressive: $1,092 per year
For drivers with a military background, USAA is also one of the cheapest options, with an average annual cost of $1,092.
In Bakersfield, Esurance offers the cheapest auto policy at $598 less annually than Travelers, the most expensive auto insurance company in the city, with an average cost of $1,557 per year. Full coverage includes collision insurance and comprehensive coverage; the amount of liability you choose determines the cost.
Cheapest Car Insurance in Bakersfield
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$959
- 2.$1,092
- 3.$1,092
- 4.$1,131
- 5.$1,149
For this analysis, MoneyGeek collected the average rate for a 40-year-old male driver with a full coverage policy in Bakersfield, in accordance with our methodology.
While a full coverage policy is more expensive than a policy with California’s minimum required coverage, it’s certainly more valuable as it protects you against damage to your vehicle by including collision insurance and comprehensive coverage.
- Comprehensive Coverage: Pays for the repair or replacement of your vehicle after it’s damaged in an incident or stolen.
- Collision Insurance: Covers the cost of loss or damage to your vehicle in case of an at-fault accident.
People with older cars may not want a full coverage policy because it could cost more than the car’s value. Instead, they can buy a minimum coverage policy or liability-only insurance.
Compare Car Insurance Rates in Bakersfield
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Bakersfield for Minimum Coverage
A minimum coverage policy is the cheapest car insurance option in Bakersfield. MoneyGeek found the following companies offer, on average, the most affordable minimum coverage:
- GEICO: $454 per year
- Progressive: $460 per year
USAA offers a cheaper minimum coverage policy for the military at $446 annually.
The cheapest company in Bakersfield for a minimum coverage policy is GEICO. Farmers offers the most expensive minimum coverage policy at $774. Farmers’ policyholders pay $320 more than GEICO’s.
While minimum coverage is the cheapest, it may not be best because it has low levels of liability coverage and does not include comprehensive and collision insurance, making you less protected.
See the table below to understand how much higher levels of liability coverage cost.
Cheapest Minimum Liability Car Insurance in Bakersfield
State Minimum
- CompanyState Minimumper year
- 1.$446
- 2.$454
- 3.$460
- 4.$508
- 5.$525
California requires an auto insurance policy with $15,000 per person and $30,000 per accident worth of bodily injury liability coverage and property damage liability coverage worth $5,000 per accident.
A minimum coverage policy is cheaper and helps you save money, but you have to pay more out of pocket after an accident.
For example, if your accident results in $20,000 in damages for the other car, the insurance policy pays $5,000 — you pay the rest: $15,000.
California Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Bakersfield if You Have Driving Violations
Driving violations like a DUI, speeding ticket or an at-fault accident can significantly increase the cost of car insurance. MoneyGeek found the following cheapest companies in Bakersfield, depending on driving violation:
- Cheapest after a speeding ticket: Esurance, $1,213 annually on average
- Cheapest after an at-fault accident: Esurance, $1,493 annually on average
- Cheapest after a DUI: Mercury, $2,149 annually on average
Drivers with a military background and a speeding ticket benefit the most from a policy with USAA.
If you have a bad driving record, you can improve it to find more affordable rates in Bakersfield. Shop around, for now, to compare rates and find a policy for your needs.
Cheapest Car Insurance in Bakersfield With a Violation
Speeding Ticket
Average Cost of Car Insurance in Bakersfield
Bakersfield$1,291
California$1,429
U.S.$1,424
The average annual car insurance in Bakersfield is $1,291, which is lower than both the state average and national average costs of car insurance. Car insurance policyholders living in Bakersfield pay 9.6% less than the average annual cost of car insurance in California, and 9.3% less than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Bakersfield
Car insurance companies take note of several factors that can affect your car insurance rate. In addition to location, various factors such as the driver's age, the make and model of the vehicle and a person's driving record are taken into consideration.
For example, an Allstate policy for an 18-year-old driver in Bakersfield averages to $2,850. Meanwhile, a 40-year-old driver in Bakersfield with Allstate may pay $1,220 for similar coverage. Because individual factors, like age, change over time, it’s a good idea to regularly request personalized quotes from several car insurance companies to check if you can qualify for a better rate.
Compare Car Insurance Rates in Bakersfield
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Bakersfield
MoneyGeek ranked the best car insurance companies in Bakersfield to help drivers find the right balance between cost and quality of service. Based on MoneyGeek’s findings, the best car insurance companies in Bakersfield for most drivers are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest MoneyGeek score in Bakersfield and is the best available for eligible military members, veterans and their families.
To calculate the final scores out of 100, MoneyGeek considered various factors, including J.D. Power user satisfaction, financial stability and affordability.
1
USAA
Score:100
2
Auto Club of Southern California Insurance Group
Score:90
3
Wawanesa
Score:88
4
Ameriprise
Score:85
5
GEICO
Score:84
6
Safeco
Score:80
7
CSAA
Score:78
8
Liberty Mutual
Score:78
9
Nationwide
Score:75
10
Progressive
Score:73
11
Kemper
Score:70
12
Mercury
Score:64
13
Allstate
Score:62
14
State Farm
Score:60
15
Farmers
Score:41
16
Hartford
Score:31
Average Cost of Car Insurance by Postal Code
Your residential address in Bakersfield affects your car insurance rates. Different neighborhoods in California have different statistics when it comes to car-related crime, theft and the number of traffic accidents per year. For instance, drivers living in the city’s most insurance-expensive region, 93309, will pay an average of $104 more in yearly car insurance premiums than drivers who live in ZIP code 93312.
- Zip CodeState Minimumper year
- 93312$1,229
- 93306$1,274
- 93307$1,330
- 93309$1,333
Factors That Impact Insurance Costs in Bakersfield
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Bakersfield. How Bakersfield ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
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