Where you live can have an impact on your car insurance premium. In California, car insurance costs are determined by minimum coverage requirements, regional accident and claims rates, and individualized factors based on the driver. Getting a personalized quote based on your location, driving history and coverage preferences can help you find the best car insurance rates in Bakersfield.
Compare the Cheapest Car Insurance Quotes in Bakersfield, CA
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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.
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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Cheap Car Insurance Companies in Bakersfield
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.
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- CompanyAmountper year
- 1. Esurance$959
- 2. Progressive$1,092
- 3. USAA$1,092
- 4. GEICO$1,131
- 5. AAA$1,149
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.
Cheapest Car Insurance in Bakersfield by Coverage Amount
How much car insurance coverage you purchase in Bakersfield also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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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 by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. Esurance$525$619
- 2. USAA$446$579
- 3. Progressive$460$642
- 4. GEICO$454$627
- 5. AAA$508$621
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. Esurance$920$959
- 2. USAA$1,028$1,092
- 3. Progressive$992$1,092
- 4. GEICO$1,028$1,131
- 5. AAA$1,039$1,149
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 if You Have Tickets
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.
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.
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
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.
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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