Cheapest Car Insurance Companies in Bakersfield, CA (2024 Rates)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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).

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).

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%.

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.

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.