Cheapest Car Insurance Companies in Bakersfield, CA (2023 Rates)

GEICO is the cheapest car insurance company in Bakersfield, CA, for a minimum coverage policy. We gathered the latest quotes for 2023 and found the most affordable insurers for different types of drivers.

The cheapest car insurance company for you will depend on your needs and circumstances. National General is the most affordable company for full coverage policies, young adults and those with offenses. GEICO is the cheapest for teens and drivers with sports cars. USAA has the lowest rates for military drivers and State Farm is the cheapest for seniors.

MoneyGeek also analyzed insurers' affordability and service quality to find the best car overall insurance in Bakersfield.

CheapestCar InsuranceBakersfield

2023

Cheapest Car Insurance in Bakersfield, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Offense - National General

Cheapest for Teens - GEICO

Cheapest for Military - USAA

Cheapest for Young Adults - National General

Cheapest for Seniors - State Farm

Cheapest for Sports Cars - GEICO

Cheapest Minimum Coverage Car Insurance in Bakersfield

The cheapest car insurance companies for a minimum coverage policy in Bakersfield are:

GEICO: $342 per year
AAA California: $431 per year

Chubb is the most expensive company, with an average annual premium of $747. The cheapest car insurance in California is from CSAA at $125 per year, which is much cheaper than rates in Bakersfield. Location can play a big role in determining auto insurance rates.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$338	$28
GEICO	$342	$29
State Farm	$364	$30
GEICO	$403	$34
AAA California	$431	$36
Mercury	$440	$37
Progressive	$448	$37
AAA California	$449	$37
Mercury	$451	$38
Progressive	$454	$38
State Farm	$481	$40
National General	$498	$42
Kemper	$509	$42
National General	$513	$43
Travelers	$517	$43
Travelers	$519	$43
Nationwide	$522	$44
Hartford	$527	$44
Progressive	$531	$44
Nationwide	$542	$45
State Farm	$549	$46
AAA California	$550	$46
Mercury	$553	$46
State National	$566	$47
State National	$584	$49
Travelers	$587	$49
Kemper	$587	$49
Hartford	$602	$50
Capital Insurance Group	$603	$50
National General	$613	$51
Farmers	$615	$51
Allstate	$617	$51
Capital Insurance Group	$624	$52
Allstate	$627	$52
Farmers	$633	$53
Allstate	$671	$56
Nationwide	$681	$57
State National	$685	$57
Capital Insurance Group	$699	$58
Farmers	$718	$60
Chubb	$747	$62
Chubb	$769	$64
Kemper	$776	$65
Hartford	$781	$65
National General	$888	$74
State Farm	$899	$75
National General	$899	$75
GEICO	$916	$76
GEICO	$949	$79
AAA California	$1,001	$83
AAA California	$1,019	$85
Progressive	$1,037	$86
Progressive	$1,037	$86
Mercury	$1,058	$88
Chubb	$1,069	$89
National General	$1,074	$89
Mercury	$1,081	$90
GEICO	$1,095	$91
Allstate	$1,128	$94
State Farm	$1,152	$96
Hartford	$1,181	$98
Nationwide	$1,187	$99
Allstate	$1,195	$100
Capital Insurance Group	$1,237	$103
Progressive	$1,247	$104
State National	$1,259	$105
Nationwide	$1,288	$107
Capital Insurance Group	$1,309	$109
Allstate	$1,319	$110
AAA California	$1,339	$112
State Farm	$1,346	$112
Travelers	$1,351	$113
State National	$1,354	$113
Hartford	$1,356	$113
Kemper	$1,398	$117
Mercury	$1,404	$117
Travelers	$1,414	$118
Capital Insurance Group	$1,475	$123
Farmers	$1,536	$128
Farmers	$1,571	$131
State National	$1,663	$139
Travelers	$1,671	$139
Nationwide	$1,672	$139
Chubb	$1,711	$143
Kemper	$1,722	$144
Hartford	$1,753	$146
Chubb	$1,766	$147
Farmers	$1,857	$155
Kemper	$2,084	$174
Chubb	$2,515	$210

A minimum coverage policy includes bodily injury liability and property damage liability coverage. California’s minimum coverage requirements for auto insurance are as follows:

$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident

Liability-only coverage protects against damage to the other driver, passengers, and vehicle in an accident. If you cause an accident and have minimum coverage in Bakersfield, your insurance would cover up to $15,000 in medical expenses for each victim, for a total of up to $30,000. Any remaining costs would be your responsibility.

Cheapest Full Coverage Car Insurance in Bakersfield

The cheapest car insurance companies for a full coverage policy in Bakersfield are:

National General: $888 per year
GEICO: $949 per year

The most expensive company for a full coverage policy is Chubb at $1,711 per year. CSAA offers the cheapest full coverage car insurance in California, with an average premium of $369 per year — highlighting how location can greatly impact insurance rates.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$338	$28
GEICO	$342	$29
State Farm	$364	$30
GEICO	$403	$34
AAA California	$431	$36
Mercury	$440	$37
Progressive	$448	$37
AAA California	$449	$37
Mercury	$451	$38
Progressive	$454	$38
State Farm	$481	$40
National General	$498	$42
Kemper	$509	$42
National General	$513	$43
Travelers	$517	$43
Travelers	$519	$43
Nationwide	$522	$44
Hartford	$527	$44
Progressive	$531	$44
Nationwide	$542	$45
State Farm	$549	$46
AAA California	$550	$46
Mercury	$553	$46
State National	$566	$47
State National	$584	$49
Travelers	$587	$49
Kemper	$587	$49
Hartford	$602	$50
Capital Insurance Group	$603	$50
National General	$613	$51
Farmers	$615	$51
Allstate	$617	$51
Capital Insurance Group	$624	$52
Allstate	$627	$52
Farmers	$633	$53
Allstate	$671	$56
Nationwide	$681	$57
State National	$685	$57
Capital Insurance Group	$699	$58
Farmers	$718	$60
Chubb	$747	$62
Chubb	$769	$64
Kemper	$776	$65
Hartford	$781	$65
National General	$888	$74
State Farm	$899	$75
National General	$899	$75
GEICO	$916	$76
GEICO	$949	$79
AAA California	$1,001	$83
AAA California	$1,019	$85
Progressive	$1,037	$86
Progressive	$1,037	$86
Mercury	$1,058	$88
Chubb	$1,069	$89
National General	$1,074	$89
Mercury	$1,081	$90
GEICO	$1,095	$91
Allstate	$1,128	$94
State Farm	$1,152	$96
Hartford	$1,181	$98
Nationwide	$1,187	$99
Allstate	$1,195	$100
Capital Insurance Group	$1,237	$103
Progressive	$1,247	$104
State National	$1,259	$105
Nationwide	$1,288	$107
Capital Insurance Group	$1,309	$109
Allstate	$1,319	$110
AAA California	$1,339	$112
State Farm	$1,346	$112
Travelers	$1,351	$113
State National	$1,354	$113
Hartford	$1,356	$113
Kemper	$1,398	$117
Mercury	$1,404	$117
Travelers	$1,414	$118
Capital Insurance Group	$1,475	$123
Farmers	$1,536	$128
Farmers	$1,571	$131
State National	$1,663	$139
Travelers	$1,671	$139
Nationwide	$1,672	$139
Chubb	$1,711	$143
Kemper	$1,722	$144
Hartford	$1,753	$146
Chubb	$1,766	$147
Farmers	$1,857	$155
Kemper	$2,084	$174
Chubb	$2,515	$210

A full coverage policy also includes comprehensive and collision insurance.

Collision insurance: Protects against damage to your own vehicle if you get into an accident with another vehicle or object.
Comprehensive insurance: Covers damage to your vehicle from non-collision incidents, such as vandalism or theft.

The cost of a full coverage policy may not be worth it for older vehicles that may have low value.

Cheapest Car Insurance in Bakersfield After a Driving Offense

The cheapest car insurance companies after driving violations in Bakersfield are:

Speeding ticket: National General ($931 per year)
At-fault accident: National General ($1,311 per year)
DUI: National General ($931 per year)

The most expensive companies are Chubb after a speeding ticket ($2,241 per year), Kemper after an at-fault accident ($3,068 per year) and Harford after a DUI ($4,892 per year). Your car insurance rates can drastically increase if you have a driving offense on your record. Even the cheapest policy will usually still cost more than insurance for drivers with clean records.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
GEICO	$515	$43
GEICO	$521	$43
National General	$525	$44
National General	$525	$44
National General	$542	$45
National General	$542	$45
State Farm	$552	$46
Mercury	$565	$47
AAA California	$573	$48
State Farm	$577	$48
Mercury	$580	$48
AAA California	$597	$50
GEICO	$605	$50
GEICO	$612	$51
GEICO	$615	$51
National General	$647	$54
National General	$647	$54
Capital Insurance Group	$667	$56
Kemper	$675	$56
AAA California	$683	$57
Capital Insurance Group	$691	$58
Capital Insurance Group	$699	$58
Mercury	$706	$59
AAA California	$713	$59
Mercury	$713	$59
GEICO	$721	$60
Capital Insurance Group	$725	$60
Mercury	$725	$60
State Farm	$730	$61
AAA California	$734	$61
National General	$746	$62
Hartford	$750	$63
Hartford	$750	$63
State Farm	$762	$64
National General	$768	$64
Capital Insurance Group	$775	$65
Kemper	$779	$65
Mercury	$785	$65
Travelers	$792	$66
Travelers	$793	$66
Progressive	$800	$67
State National	$800	$67
State National	$800	$67
Mercury	$807	$67
Nationwide	$807	$67
Capital Insurance Group	$813	$68
Progressive	$815	$68
GEICO	$820	$68
State National	$824	$69
State National	$824	$69
GEICO	$831	$69
State Farm	$834	$70
Nationwide	$837	$70
Farmers	$840	$70
Farmers	$840	$70
Allstate	$858	$71
Farmers	$862	$72
Farmers	$862	$72
Hartford	$870	$73
Hartford	$870	$73
State Farm	$871	$73
Allstate	$872	$73
AAA California	$877	$73
Progressive	$882	$74
Travelers	$885	$74
Travelers	$888	$74
Mercury	$892	$74
Nationwide	$897	$75
Progressive	$900	$75
Travelers	$908	$76
National General	$921	$77
National General	$931	$78
National General	$931	$78
Nationwide	$931	$78
Allstate	$937	$78
National General	$943	$79
National General	$943	$79
Chubb	$960	$80
Progressive	$960	$80
Progressive	$964	$80
State National	$974	$81
State National	$974	$81
GEICO	$980	$82
Farmers	$980	$82
Farmers	$980	$82
Chubb	$983	$82
Allstate	$986	$82
Progressive	$987	$82
Mercury	$995	$83
Allstate	$1,003	$84
Travelers	$1,016	$85
Kemper	$1,033	$86
Capital Insurance Group	$1,045	$87
Farmers	$1,049	$87
Nationwide	$1,055	$88
Travelers	$1,061	$88
Progressive	$1,063	$89
Travelers	$1,064	$89
Farmers	$1,078	$90
Allstate	$1,081	$90
Capital Insurance Group	$1,083	$90
National General	$1,127	$94
National General	$1,127	$94
State Farm	$1,138	$95
Kemper	$1,149	$96
Kemper	$1,149	$96
Hartford	$1,156	$96
Hartford	$1,156	$96
Chubb	$1,165	$97
Progressive	$1,166	$97
Nationwide	$1,177	$98
Chubb	$1,188	$99
Capital Insurance Group	$1,217	$101
Farmers	$1,224	$102
Travelers	$1,225	$102
Chubb	$1,281	$107
AAA California	$1,292	$108
National General	$1,311	$109
AAA California	$1,316	$110
National General	$1,329	$111
State Farm	$1,330	$111
GEICO	$1,373	$114
State Farm	$1,394	$116
Mercury	$1,394	$116
Kemper	$1,395	$116
Kemper	$1,395	$116
Capital Insurance Group	$1,411	$118
GEICO	$1,421	$118
Nationwide	$1,422	$119
Mercury	$1,425	$119
State National	$1,442	$120
Capital Insurance Group	$1,451	$121
AAA California	$1,476	$123
Nationwide	$1,479	$123
Chubb	$1,487	$124
State National	$1,488	$124
Capital Insurance Group	$1,499	$125
State Farm	$1,504	$125
Chubb	$1,508	$126
AAA California	$1,521	$127
Chubb	$1,529	$127
GEICO	$1,530	$127
AAA California	$1,535	$128
Capital Insurance Group	$1,539	$128
AAA California	$1,541	$128
GEICO	$1,580	$132
National General	$1,591	$133
Allstate	$1,637	$136
GEICO	$1,640	$137
Capital Insurance Group	$1,689	$141
State Farm	$1,707	$142
State Farm	$1,718	$143
AAA California	$1,731	$144
Capital Insurance Group	$1,733	$144
Allstate	$1,740	$145
Mercury	$1,742	$145
Hartford	$1,754	$146
Hartford	$1,754	$146
Kemper	$1,762	$147
Kemper	$1,762	$147
State National	$1,768	$147
Allstate	$1,773	$148
Hartford	$1,777	$148
Mercury	$1,781	$148
State Farm	$1,787	$149
State National	$1,788	$149
State National	$1,788	$149
Allstate	$1,807	$151
GEICO	$1,825	$152
Chubb	$1,829	$152
Nationwide	$1,837	$153
Kemper	$1,856	$155
Mercury	$1,856	$155
Mercury	$1,867	$156
Nationwide	$1,874	$156
Mercury	$1,901	$158
AAA California	$1,904	$159
State National	$1,925	$160
State National	$1,925	$160
Allstate	$1,928	$161
Progressive	$1,951	$163
Allstate	$1,952	$163
Progressive	$1,952	$163
State Farm	$1,993	$166
Nationwide	$1,996	$166
AAA California	$2,023	$169
Hartford	$2,024	$169
Hartford	$2,024	$169
Allstate	$2,032	$169
Nationwide	$2,046	$171
Travelers	$2,046	$171
State Farm	$2,087	$174
Hartford	$2,100	$175
Farmers	$2,120	$177
Farmers	$2,120	$177
Progressive	$2,124	$177
Progressive	$2,129	$177
Travelers	$2,133	$178
Farmers	$2,169	$181
Farmers	$2,169	$181
Allstate	$2,169	$181
GEICO	$2,184	$182
Capital Insurance Group	$2,207	$184
Nationwide	$2,224	$185
Chubb	$2,241	$187
GEICO	$2,261	$188
Travelers	$2,281	$190
Kemper	$2,287	$191
Chubb	$2,295	$191
Mercury	$2,321	$193
Capital Insurance Group	$2,343	$195
Progressive	$2,359	$197
State National	$2,367	$197
State National	$2,367	$197
Travelers	$2,374	$198
Allstate	$2,412	$201
Progressive	$2,424	$202
Progressive	$2,433	$203
Mercury	$2,475	$206
Travelers	$2,545	$212
Farmers	$2,565	$214
Farmers	$2,565	$214
Progressive	$2,572	$214
Nationwide	$2,600	$217
GEICO	$2,612	$218
Hartford	$2,643	$220
Hartford	$2,643	$220
Capital Insurance Group	$2,644	$220
Farmers	$2,649	$221
Farmers	$2,710	$226
Chubb	$2,752	$229
State Farm	$2,757	$230
Kemper	$2,771	$231
Chubb	$2,806	$234
Travelers	$2,834	$236
Travelers	$2,836	$236
Hartford	$2,875	$240
Nationwide	$2,902	$242
Progressive	$2,941	$245
Travelers	$2,967	$247
Chubb	$3,045	$254
Kemper	$3,068	$256
Kemper	$3,068	$256
AAA California	$3,097	$258
AAA California	$3,138	$261
Farmers	$3,206	$267
Nationwide	$3,252	$271
State National	$3,330	$278
State Farm	$3,537	$295
Nationwide	$3,540	$295
Chubb	$3,557	$296
Travelers	$3,563	$297
Allstate	$3,577	$298
State National	$3,590	$299
Chubb	$3,603	$300
Chubb	$3,658	$305
Allstate	$3,816	$318
Kemper	$3,885	$324
Kemper	$3,885	$324
State Farm	$4,130	$344
AAA California	$4,141	$345
Hartford	$4,198	$350
Allstate	$4,244	$354
Chubb	$4,409	$367
State National	$4,431	$369
Kemper	$4,590	$383
Kemper	$4,590	$383
Nationwide	$4,634	$386
Hartford	$4,892	$408
Hartford	$6,503	$542

Auto insurance rates generally increase based on the severity of the driving violation. For example, car insurance rates in Bakersfield increase by about $1,750 following a DUI but only increase by about $508 following a speeding ticket. However, if you do your research and compare rates, it's still possible to find cheap car insurance for drivers with poor driving records.

Cheapest Car Insurance in Bakersfield for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in Bakersfield are:

GEICO: $2,693 per year for female teens; $2,813 per year for male teens
State Farm: $2,907 per year for male and female teens

The most expensive company is Kemper, with an average rate of $5,815 per year for female and male teens. Auto insurance rates for male teens tend to be higher because they are seen as riskier to insure. For instance, a GEICO family policy for male teens in Bakersfield is $120 more expensive than for female teens. This difference drops off as teens enter early adulthood.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,203	$1,992
GEICO	$1,227	$2,211
GEICO	$1,231	$2,038
GEICO	$1,247	$2,141
GEICO	$1,260	$2,272
GEICO	$1,262	$2,089
GEICO	$1,278	$2,396
GEICO	$1,294	$2,333
GEICO	$1,425	$2,196
GEICO	$1,461	$2,467
Allstate	$1,746	$2,871
Allstate	$1,746	$2,871
Capital Insurance Group	$1,749	$2,144
Capital Insurance Group	$1,749	$2,144
Progressive	$1,760	$2,542
Progressive	$1,760	$2,542
Nationwide	$1,786	$3,384
Nationwide	$1,786	$3,384
Allstate	$1,826	$3,002
Allstate	$1,826	$3,002
GEICO	$1,827	$3,174
Allstate	$1,872	$3,333
Allstate	$1,872	$3,333
GEICO	$1,885	$3,598
Allstate	$1,888	$3,105
Allstate	$1,888	$3,105
Progressive	$1,906	$2,753
Progressive	$1,906	$2,753
Nationwide	$1,956	$3,706
Nationwide	$1,956	$3,706
Capital Insurance Group	$1,990	$2,538
Capital Insurance Group	$1,990	$2,538
GEICO	$1,999	$3,081
State Farm	$2,009	$2,710
State Farm	$2,009	$2,710
Allstate	$2,015	$3,360
Allstate	$2,015	$3,360
Nationwide	$2,018	$4,229
Nationwide	$2,018	$4,229
Progressive	$2,040	$3,403
Progressive	$2,040	$3,403
GEICO	$2,062	$3,481
Capital Insurance Group	$2,070	$2,538
Capital Insurance Group	$2,070	$2,538
Capital Insurance Group	$2,070	$2,538
Capital Insurance Group	$2,070	$2,538
State Farm	$2,090	$2,819
State Farm	$2,090	$2,819
Nationwide	$2,099	$3,977
Nationwide	$2,099	$3,977
State Farm	$2,126	$3,057
State Farm	$2,126	$3,057
Progressive	$2,137	$3,087
Progressive	$2,137	$3,087
State Farm	$2,138	$2,884
State Farm	$2,138	$2,884
Travelers	$2,209	$2,767
Travelers	$2,209	$2,767
Farmers	$2,249	$2,827
Farmers	$2,249	$2,827
State Farm	$2,278	$3,119
State Farm	$2,278	$3,119
Travelers	$2,287	$2,865
Travelers	$2,287	$2,865
Allstate	$2,317	$4,302
Allstate	$2,317	$4,302
Capital Insurance Group	$2,318	$2,856
Capital Insurance Group	$2,318	$2,856
Travelers	$2,337	$3,086
Travelers	$2,337	$3,086
Nationwide	$2,351	$4,617
Nationwide	$2,351	$4,617
Allstate	$2,354	$3,924
Allstate	$2,354	$3,924
Travelers	$2,388	$2,992
Travelers	$2,388	$2,992
Capital Insurance Group	$2,403	$2,856
Capital Insurance Group	$2,403	$2,856
State Farm	$2,415	$3,468
State Farm	$2,415	$3,468
State Farm	$2,435	$3,335
State Farm	$2,435	$3,335
Kemper	$2,481	$3,645
Kemper	$2,481	$3,645
GEICO	$2,518	$4,585
Farmers	$2,523	$3,287
Farmers	$2,523	$3,287
Progressive	$2,532	$3,729
Progressive	$2,532	$3,729
Capital Insurance Group	$2,572	$3,170
Capital Insurance Group	$2,572	$3,170
Travelers	$2,613	$3,242
Travelers	$2,613	$3,242
Farmers	$2,614	$3,287
Farmers	$2,614	$3,287
Farmers	$2,614	$3,287
Farmers	$2,614	$3,287
GEICO	$2,617	$5,234
Kemper	$2,620	$3,850
Kemper	$2,620	$3,850
State Farm	$2,685	$4,396
State Farm	$2,685	$4,396
GEICO	$2,693	$5,097
Kemper	$2,755	$4,517
Kemper	$2,755	$4,517
GEICO	$2,761	$5,028
GEICO	$2,813	$5,882
Farmers	$2,827	$3,776
Farmers	$2,827	$3,776
Travelers	$2,841	$3,752
Travelers	$2,841	$3,752
State Farm	$2,846	$4,658
State Farm	$2,846	$4,658
Kemper	$2,846	$4,182
Kemper	$2,846	$4,182
GEICO	$2,881	$5,761
Travelers	$2,886	$3,581
Travelers	$2,886	$3,581
Nationwide	$2,899	$6,390
Nationwide	$2,899	$6,390
State Farm	$2,907	$5,223
State Farm	$2,907	$5,223
Farmers	$3,056	$4,349
Farmers	$3,056	$4,349
Farmers	$3,085	$4,121
Farmers	$3,085	$4,121
Nationwide	$3,092	$6,073
Nationwide	$3,092	$6,073
Allstate	$3,100	$6,206
Allstate	$3,100	$6,206
Progressive	$3,168	$5,305
Progressive	$3,168	$5,305
Kemper	$3,184	$4,783
Kemper	$3,184	$4,783
Allstate	$3,212	$6,542
Allstate	$3,212	$6,542
Farmers	$3,216	$5,604
Farmers	$3,216	$5,604
Allstate	$3,268	$6,542
Allstate	$3,268	$6,542
Farmers	$3,295	$5,861
Farmers	$3,295	$5,861
Capital Insurance Group	$3,299	$3,920
Capital Insurance Group	$3,299	$3,920
Capital Insurance Group	$3,299	$3,920
Capital Insurance Group	$3,299	$3,920
Capital Insurance Group	$3,299	$3,920
Capital Insurance Group	$3,299	$3,920
Farmers	$3,305	$5,759
Farmers	$3,305	$5,759
Progressive	$3,368	$4,959
Progressive	$3,368	$4,959
Kemper	$3,439	$5,166
Kemper	$3,439	$5,166
Kemper	$3,470	$5,687
Kemper	$3,470	$5,687
Progressive	$3,654	$6,739
Progressive	$3,654	$6,739
Progressive	$3,675	$6,793
Progressive	$3,675	$6,793
Progressive	$3,688	$6,803
Progressive	$3,688	$6,803
Travelers	$3,806	$4,741
Travelers	$3,806	$4,741
Travelers	$3,978	$4,956
Travelers	$3,978	$4,956
Travelers	$3,988	$5,205
Travelers	$3,988	$5,205
Nationwide	$4,427	$8,672
Nationwide	$4,427	$8,672
Nationwide	$4,979	$9,754
Nationwide	$4,979	$9,754
Nationwide	$5,138	$11,770
Nationwide	$5,138	$11,770
Kemper	$5,247	$7,769
Kemper	$5,247	$7,769
Kemper	$5,763	$8,532
Kemper	$5,763	$8,532
Kemper	$5,815	$9,530
Kemper	$5,815	$9,530

Teens who purchase an individual policy will pay a higher rate than if they are added to a family policy. In Bakersfield, an individual teen policy costs an average of $673 more per year than a family policy. Shopping around and prioritizing family policies will help you find the cheapest car insurance for teenagers.

Cheapest Car Insurance in Bakersfield for Military Drivers

The cheapest car insurance companies for military families looking for a full coverage policy in Bakersfield are:

USAA: $847 per year
National General: $888 per year

GEICO is the most affordable company for minimum coverage policies, with an average rate of $342 per year. USAA comes in second place at $356 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$338	$28
GEICO	$342	$29
USAA	$356	$30
USAA	$356	$30
State Farm	$364	$30
GEICO	$403	$34
USAA	$430	$36
AAA California	$431	$36
Mercury	$440	$37
Progressive	$448	$37
AAA California	$449	$37
Mercury	$451	$38
Progressive	$454	$38
State Farm	$481	$40
National General	$498	$42
Kemper	$509	$42
National General	$513	$43
Travelers	$517	$43
Travelers	$519	$43
Nationwide	$522	$44
Hartford	$527	$44
Progressive	$531	$44
Nationwide	$542	$45
State Farm	$549	$46
AAA California	$550	$46
Mercury	$553	$46
State National	$566	$47
State National	$584	$49
Travelers	$587	$49
Kemper	$587	$49
Hartford	$602	$50
Capital Insurance Group	$603	$50
National General	$613	$51
Farmers	$615	$51
Allstate	$617	$51
Capital Insurance Group	$624	$52
Allstate	$627	$52
Farmers	$633	$53
Allstate	$671	$56
Nationwide	$681	$57
State National	$685	$57
Capital Insurance Group	$699	$58
Farmers	$718	$60
Chubb	$747	$62
Chubb	$769	$64
Kemper	$776	$65
Hartford	$781	$65
USAA	$827	$69
USAA	$847	$71
National General	$888	$74
State Farm	$899	$75
National General	$899	$75
GEICO	$916	$76
GEICO	$949	$79
AAA California	$1,001	$83
USAA	$1,012	$84
AAA California	$1,019	$85
Progressive	$1,037	$86
Progressive	$1,037	$86
Mercury	$1,058	$88
Chubb	$1,069	$89
National General	$1,074	$89
Mercury	$1,081	$90
GEICO	$1,095	$91
Allstate	$1,128	$94
State Farm	$1,152	$96
Hartford	$1,181	$98
Nationwide	$1,187	$99
Allstate	$1,195	$100
Capital Insurance Group	$1,237	$103
Progressive	$1,247	$104
State National	$1,259	$105
Nationwide	$1,288	$107
Capital Insurance Group	$1,309	$109
Allstate	$1,319	$110
AAA California	$1,339	$112
State Farm	$1,346	$112
Travelers	$1,351	$113
State National	$1,354	$113
Hartford	$1,356	$113
Kemper	$1,398	$117
Mercury	$1,404	$117
Travelers	$1,414	$118
Capital Insurance Group	$1,475	$123
Farmers	$1,536	$128
Farmers	$1,571	$131
State National	$1,663	$139
Travelers	$1,671	$139
Nationwide	$1,672	$139
Chubb	$1,711	$143
Kemper	$1,722	$144
Hartford	$1,753	$146
Chubb	$1,766	$147
Farmers	$1,857	$155
Kemper	$2,084	$174
Chubb	$2,515	$210

How to Compare Cheap Bakersfield Car Insurance Quotes Online

Getting an online car insurance quote in Bakersfield, California, can take 15 minutes or more, and you will need to input a lot of personal information.

MoneyGeek's car insurance calculator can give you a quick estimate of your costs. All you need to provide is your age, vehicle type, coverage amount and driving history.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Cheapest Car Insurance in Bakersfield for Young Adults

The cheapest car insurance companies for young adults looking for full coverage in Bakersfield are:

National General: $1,074 per year
GEICO: $1,095 per year

The most expensive company is Chubb, with an average premium of $2,515 per year. Because younger drivers have less driving experience than older drivers, their rates tend to be higher. In Bakersfield, the average car insurance rate for 25-year-old drivers ($1,553) is $319 higher than the average rate for 40-year-old drivers ($1,234).

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$338	$28
GEICO	$342	$29
State Farm	$364	$30
GEICO	$403	$34
AAA California	$431	$36
Mercury	$440	$37
Progressive	$448	$37
AAA California	$449	$37
Mercury	$451	$38
Progressive	$454	$38
State Farm	$481	$40
National General	$498	$42
Kemper	$509	$42
National General	$513	$43
Travelers	$517	$43
Travelers	$519	$43
Nationwide	$522	$44
Hartford	$527	$44
Progressive	$531	$44
Nationwide	$542	$45
State Farm	$549	$46
AAA California	$550	$46
Mercury	$553	$46
State National	$566	$47
State National	$584	$49
Travelers	$587	$49
Kemper	$587	$49
Hartford	$602	$50
Capital Insurance Group	$603	$50
National General	$613	$51
Farmers	$615	$51
Allstate	$617	$51
Capital Insurance Group	$624	$52
Allstate	$627	$52
Farmers	$633	$53
Allstate	$671	$56
Nationwide	$681	$57
State National	$685	$57
Capital Insurance Group	$699	$58
Farmers	$718	$60
Chubb	$747	$62
Chubb	$769	$64
Kemper	$776	$65
Hartford	$781	$65
National General	$888	$74
State Farm	$899	$75
National General	$899	$75
GEICO	$916	$76
GEICO	$949	$79
AAA California	$1,001	$83
AAA California	$1,019	$85
Progressive	$1,037	$86
Progressive	$1,037	$86
Mercury	$1,058	$88
Chubb	$1,069	$89
National General	$1,074	$89
Mercury	$1,081	$90
GEICO	$1,095	$91
Allstate	$1,128	$94
State Farm	$1,152	$96
Hartford	$1,181	$98
Nationwide	$1,187	$99
Allstate	$1,195	$100
Capital Insurance Group	$1,237	$103
Progressive	$1,247	$104
State National	$1,259	$105
Nationwide	$1,288	$107
Capital Insurance Group	$1,309	$109
Allstate	$1,319	$110
AAA California	$1,339	$112
State Farm	$1,346	$112
Travelers	$1,351	$113
State National	$1,354	$113
Hartford	$1,356	$113
Kemper	$1,398	$117
Mercury	$1,404	$117
Travelers	$1,414	$118
Capital Insurance Group	$1,475	$123
Farmers	$1,536	$128
Farmers	$1,571	$131
State National	$1,663	$139
Travelers	$1,671	$139
Nationwide	$1,672	$139
Chubb	$1,711	$143
Kemper	$1,722	$144
Hartford	$1,753	$146
Chubb	$1,766	$147
Farmers	$1,857	$155
Kemper	$2,084	$174
Chubb	$2,515	$210

Cheapest Car Insurance in Bakersfield for Seniors

The cheapest car insurance companies for seniors with a full coverage policy in Bakersfield are:

State Farm: $899 per year
National General: $899 per year

Chubb charges the most, with an average annual premium of $1,766. Car insurance rates tend to increase after age 65 as driving becomes riskier, but this is not always the case. A full coverage policy in Bakersfield costs an average of $1,199 per year for 65-year-olds, which is slightly less than the average cost for 40-year-olds ($1,234).

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$338	$28
GEICO	$342	$29
State Farm	$364	$30
GEICO	$403	$34
AAA California	$431	$36
Mercury	$440	$37
Progressive	$448	$37
AAA California	$449	$37
Mercury	$451	$38
Progressive	$454	$38
State Farm	$481	$40
National General	$498	$42
Kemper	$509	$42
National General	$513	$43
Travelers	$517	$43
Travelers	$519	$43
Nationwide	$522	$44
Hartford	$527	$44
Progressive	$531	$44
Nationwide	$542	$45
State Farm	$549	$46
AAA California	$550	$46
Mercury	$553	$46
State National	$566	$47
State National	$584	$49
Travelers	$587	$49
Kemper	$587	$49
Hartford	$602	$50
Capital Insurance Group	$603	$50
National General	$613	$51
Farmers	$615	$51
Allstate	$617	$51
Capital Insurance Group	$624	$52
Allstate	$627	$52
Farmers	$633	$53
Allstate	$671	$56
Nationwide	$681	$57
State National	$685	$57
Capital Insurance Group	$699	$58
Farmers	$718	$60
Chubb	$747	$62
Chubb	$769	$64
Kemper	$776	$65
Hartford	$781	$65
National General	$888	$74
State Farm	$899	$75
National General	$899	$75
GEICO	$916	$76
GEICO	$949	$79
AAA California	$1,001	$83
AAA California	$1,019	$85
Progressive	$1,037	$86
Progressive	$1,037	$86
Mercury	$1,058	$88
Chubb	$1,069	$89
National General	$1,074	$89
Mercury	$1,081	$90
GEICO	$1,095	$91
Allstate	$1,128	$94
State Farm	$1,152	$96
Hartford	$1,181	$98
Nationwide	$1,187	$99
Allstate	$1,195	$100
Capital Insurance Group	$1,237	$103
Progressive	$1,247	$104
State National	$1,259	$105
Nationwide	$1,288	$107
Capital Insurance Group	$1,309	$109
Allstate	$1,319	$110
AAA California	$1,339	$112
State Farm	$1,346	$112
Travelers	$1,351	$113
State National	$1,354	$113
Hartford	$1,356	$113
Kemper	$1,398	$117
Mercury	$1,404	$117
Travelers	$1,414	$118
Capital Insurance Group	$1,475	$123
Farmers	$1,536	$128
Farmers	$1,571	$131
State National	$1,663	$139
Travelers	$1,671	$139
Nationwide	$1,672	$139
Chubb	$1,711	$143
Kemper	$1,722	$144
Hartford	$1,753	$146
Chubb	$1,766	$147
Farmers	$1,857	$155
Kemper	$2,084	$174
Chubb	$2,515	$210

Cheapest Car Insurance in Bakersfield for Sports Cars

The cheapest car insurance companies for drivers with sports cars and a full coverage policy in Bakersfield are:

GEICO: $1,209 per year
Progressive: $1,243 per year

The most expensive company is Chubb, which costs $1,995 per year. In Bakersfield, sports car drivers can expect to pay about $252 more for insurance than drivers of standard cars, which translates to a difference of about 20%.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$313	$26
GEICO	$317	$26
Progressive	$350	$29
Progressive	$358	$30
GEICO	$374	$31
State Farm	$384	$32
Progressive	$412	$34
Travelers	$444	$37
Travelers	$445	$37
Kemper	$489	$41
Travelers	$500	$42
State Farm	$506	$42
Nationwide	$533	$44
Farmers	$541	$45
Nationwide	$553	$46
Farmers	$554	$46
Kemper	$562	$47
State Farm	$579	$48
Capital Insurance Group	$595	$50
Capital Insurance Group	$617	$51
Farmers	$629	$52
Allstate	$689	$57
Capital Insurance Group	$691	$58
Nationwide	$695	$58
Allstate	$700	$58
Kemper	$744	$62
Chubb	$747	$62
Allstate	$751	$63
Chubb	$769	$64
Chubb	$1,069	$89
State Farm	$1,075	$90
GEICO	$1,157	$96
GEICO	$1,209	$101
Progressive	$1,228	$102
Progressive	$1,243	$104
Travelers	$1,263	$105
Travelers	$1,331	$111
Capital Insurance Group	$1,363	$114
State Farm	$1,370	$114
Nationwide	$1,374	$114
GEICO	$1,385	$115
Allstate	$1,423	$119
Capital Insurance Group	$1,453	$121
Progressive	$1,491	$124
Nationwide	$1,504	$125
Allstate	$1,518	$127
Farmers	$1,552	$129
Travelers	$1,578	$131
Farmers	$1,602	$133
State Farm	$1,609	$134
Capital Insurance Group	$1,634	$136
Kemper	$1,636	$136
Allstate	$1,687	$141
Farmers	$1,895	$158
Nationwide	$1,971	$164
Chubb	$1,995	$166
Kemper	$2,044	$170
Chubb	$2,061	$172
Kemper	$2,417	$201
Chubb	$2,946	$245

MoneyGeek based sports car insurance rates in this study on rates for a Ford Mustang, but the cost of car insurance can vary by model. Sports, electric and luxury cars are typically more expensive to insure, which is the case in Bakersfield.

Average Cost of Car Insurance in Bakersfield

On average, a full coverage policy in Bakersfield costs $1,234 per year. This includes $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

The average rate in Bakersfield is $153 cheaper than the average cost of car insurance in California, but it is slightly more expensive than the national average cost of car insurance. Location is one of many variables that can affect auto insurance rates. Compared to the nearby cities of Palmdale and Burbank, Bakersfield has more affordable insurance rates.

City	Full Coverage Average Annual Premium	Minimum Coverage Average Annual Premium
Santa Maria	$1,106	$462
Visalia	$1,179	$500
Chula Vista	$1,189	$501
Ventura	$1,189	$539
Salinas	$1,199	$496
San Diego	$1,202	$521
Vista	$1,205	$533
Carlsbad	$1,225	$542
Escondido	$1,232	$533
Bakersfield	$1,234	$527
Clovis	$1,239	$549
Fairfield	$1,241	$520
Oceanside	$1,246	$550
San Mateo	$1,249	$537
Murrieta	$1,250	$554
Oxnard	$1,260	$549
Temecula	$1,270	$552
Sunnyvale	$1,279	$551
Fresno	$1,281	$549
El Cajon	$1,285	$560
Santa Clara	$1,289	$559
San Jose	$1,290	$551
Fremont	$1,296	$540
Roseville	$1,309	$587
Orange	$1,310	$587
Concord	$1,315	$558
Jurupa Valley	$1,324	$573
Santa Rosa	$1,326	$543
Rancho Cucamonga	$1,330	$568
Sacramento	$1,331	$576
Berkeley	$1,342	$551
Costa Mesa	$1,342	$621
Huntington Beach	$1,349	$617
Torrance	$1,351	$608
Riverside	$1,351	$583
Corona	$1,351	$589
Simi Valley	$1,352	$621
Moreno Valley	$1,357	$578
San Bernardino	$1,369	$583
Elk Grove	$1,370	$598
Ontario	$1,374	$594
Hayward	$1,374	$559
Vallejo	$1,378	$556
Fontana	$1,384	$589
Rialto	$1,391	$585
Santa Ana	$1,399	$622
Richmond	$1,400	$583
Modesto	$1,401	$608
Victorville	$1,402	$594
Antioch	$1,403	$570
Stockton	$1,407	$590
Thousand Oaks	$1,408	$638
Irvine	$1,411	$633
Arden-Arcade	$1,430	$647
Pomona	$1,432	$618
Santa Clarita	$1,444	$654
Anaheim	$1,448	$648
Norwalk	$1,460	$633
Lancaster	$1,462	$659
Oakland	$1,469	$598
West Covina	$1,478	$656
Fullerton	$1,480	$657
San Francisco	$1,486	$613
Garden Grove	$1,488	$682
Long Beach	$1,497	$649
Palmdale	$1,507	$667
Daly City	$1,528	$621
Downey	$1,531	$657
East Los Angeles	$1,562	$677
El Monte	$1,586	$693
Pasadena	$1,598	$704
Burbank	$1,733	$782
Inglewood	$1,740	$774
Los Angeles	$1,877	$820
Glendale	$2,115	$913

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

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Cheapest Car Insurance Companies in Bakersfield, CA (2023 Rates)

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Cheapest Minimum Coverage Car Insurance in Bakersfield

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Cheapest Full Coverage Car Insurance in Bakersfield

Cheapest Car Insurance in Bakersfield After a Driving Offense

Cheapest Car Insurance in Bakersfield for Teens and Their Families

Cheapest Car Insurance in Bakersfield for Military Drivers

How to Compare Cheap Bakersfield Car Insurance Quotes Online

Cheapest Car Insurance in Bakersfield for Young Adults

Cheapest Car Insurance in Bakersfield for Seniors

Cheapest Car Insurance in Bakersfield for Sports Cars

Average Cost of Car Insurance in Bakersfield