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.
bestauto insuranceBakersfield2021The Cheapest and Best Car Insurance in Bakersfield
Cheapest Overall - Esurance
Best Overall - AAA
Cheapest State Minimum - Esurance
Cheapest With a Driving Violation - Esurance
The Cheapest Car Insurance Companies in Bakersfield
In Bakersfield, the companies with the cheapest average rates for a full coverage car insurance policy are:
- Esurance: $959 per year
- Progressive: $1,092 per year
Different car insurance companies in Bakersfield have different rates, so it’s important that you request a personalized quote from several companies to get a car insurance plan that meets your individual needs.
In terms of affordability, the cheapest car insurance company in Bakersfield is Esurance. For most drivers, a car insurance plan with Esurance is approximately $600 cheaper than a similar car insurance plan with Travelers, which is the most expensive car insurance company in Bakersfield.
For this study, MoneyGeek collected average insurance rates in Bakersfield for a sample 40-year-old male driver with a full coverage policy, including both liability and comprehensive and collision coverage.
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- CompanyAmountper year
- 1.$959
- 2.$1,092
- 3.$1,092
- 4.$1,131
- 5.$1,149
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.
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 finding, the best car insurance companies in Bakersfield for most drivers are:
- AAA: MoneyGeek score 90 out of 100
- GEICO: MoneyGeek score 90 out of 100
USAA received the highest score in Bakersfield by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To calculate these 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
GEICO
Score:90
4
Wawanesa
Score:88
5
State Farm
Score:88
6
Ameriprise
Score:85
7
Hartford
Score:85
8
Progressive
Score:83
9
Allstate
Score:83
10
Safeco
Score:80
11
CSAA
Score:78
12
Liberty Mutual
Score:78
13
Farmers
Score:78
14
Mercury
Score:78
15
Nationwide
Score:75
16
Kemper
Score:70
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.
Shopping around for car insurance in Bakersfield could save you $333, which is enough to buy:
111Cups of Coffee
26Months of Your Favorite Streaming Service
Cheapest Car Insurance in Bakersfield by Coverage Amount
In Bakersfield and elsewhere, the coverage level you choose can influence how much you pay for car insurance. For example, a policy meeting only the state minimum liability requirements costs $600 on average, while a full coverage policy with higher liability limits costs $1,291 on average. That is a $691 difference.
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.
The average car insurance rates in Bakersfield vary because different car insurance plans have limits for each type and level of coverage. For example, Esurance offers both 50/100/50 liability and 50/100/50 full-coverage plans. The 50/100/50 plan helps pay for $50,000 worth of medical bills for bodily injury, covering a maximum of $100,000 per vehicle, along with $50,000 worth of property damage repair, but this is limited as it pays for the other driver’s expenses only. The 50/100/50 full-coverage plan from Ensurance costs $302 more, but it also helps pay for your own expenses due to an accident.
Additional costs may differ, as a 50/100/50 full-coverage plan from MetLife costs $275 more than a 50/100/50 liability-only policy. Compare rates between different insurance companies to ensure you're getting the best deal on the coverage that is right for you.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$525$619
- 2.$446$579
- 3.$460$642
- 4.$454$627
- 5.$508$621
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$920$959
- 2.$1,028$1,092
- 3.$992$1,092
- 4.$1,028$1,131
- 5.$1,039$1,149
Cheapest Car Insurance in Bakersfield if You Have Driving Violations
Car insurance companies in Bakersfield compute for your car insurance rates according to the risks associated with you as a driver. One factor that influences the affordability of your car insurance plan is your driving record; the more violations you have, the more expensive your plan will likely be.
In Bakersfield, a GEICO insurance policy for a driver with a clean record costs $1,131, but if the driver has a speeding ticket, then they need to pay an extra $537 for the same policy with similar coverage. If someone with a GEICO policy had a clear record but then gets a DUI violation, their premium can rise from $1,131 to $2,653.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$1,213$1,493$2,375
- 2.$1,194$1,902$3,085
- 3.$1,667$1,895$2,653
- 4.$1,719$2,269$2,149
- 5.$1,517$1,736$3,559
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
top ratedCar Insurance agentsBakersfield2021Top Agents Offering Affordable Car Insurance in Bakersfield
1. Adriana's Insurance3900 Niles St, Ste 103, Bakersfield, CA, 93306
2. California Total Insurance Services2695 Mount Vernon Ave, Ste E, Bakersfield, CA, 93306
3. Bridgemark Insurance5610 District Blvd, Ste 103, Bakersfield, CA, 93313
4. Kathy Herm - State Farm Insurance Agent6515 Panama Ln, Ste 104, Bakersfield, CA, 93313
5. Omni Safe Insurance Bakersfield3401 Pacheco Rd, Ste I, Bakersfield, CA, 93313
Insurance Providers That Serve Bakersfield
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.
Methodology and Assumptions
MoneyGeek’s average premium rates for Bakersfield are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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