Compare 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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Last Updated: 9/22/2022
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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.

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The Cheapest and Best Car Insurance in Bakersfield

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
  • Company
    100/300/100per year
  • 1.
    Esurance
    $959
  • 2.
    USAA
    $1,092
  • 3.
    Progressive
    $1,092
  • 4.
    GEICO
    $1,131
  • 5.
    AAA
    $1,149
  • 6.
    MetLife
    $1,171
  • 7.
    Allstate
    $1,220
  • 8.
    Mercury
    $1,310
  • 9.
    State Farm
    $1,445
  • 10.
    Hartford
    $1,448
  • 11.
    Farmers
    $1,497
  • 12.
    Allied
    $1,518
  • 13.
    Travelers
    $1,557

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.

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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

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

  • Item
    Description
  • 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

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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

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
Wawanesa
Score:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

4
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

5
GEICO
Score:84

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
CSAA
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

10
Progressive
Score:73

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

11
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

12
Mercury
Score:64

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Allstate
Score:62

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

14
State Farm
Score:60

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

15
Farmers
Score:41

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

16
Hartford
Score:31

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities197th/300
handcuffs2 icon
Most Car Thefts303rd/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall301st/300
umbrella icon
Most Rainy Days256th/300

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.