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


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ByMark Fitzpatrick
Edited byVictoria Copans
ByMark Fitzpatrick
Edited byVictoria Copans

Updated: May 20, 2024

Advertising & Editorial Disclosure

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.

MoneyGeek Logo IconCheapestCar InsuranceBakersfield
2024

Cheapest Car Insurance in Bakersfield, CA

Why Trust MoneyGeek? We evaluated Bakersfield car insurance rates based on data from the <a href="https://www.insurance.ca.gov/' target="_blank">California Department of Insurance and Quadrant Information Services.

352,910Quotes Analyzed
 
18Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$342Monthly Premium$29
AAA CaliforniaAnnual Premium$431Monthly Premium$36
MercuryAnnual Premium$440Monthly Premium$37
ProgressiveAnnual Premium$448Monthly Premium$37
State FarmAnnual Premium$481Monthly Premium$40
National GeneralAnnual Premium$498Monthly Premium$42
KemperAnnual Premium$509Monthly Premium$42
TravelersAnnual Premium$517Monthly Premium$43
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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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
National GeneralAnnual Premium$888Monthly Premium$74
GEICOAnnual Premium$949Monthly Premium$79
AAA CaliforniaAnnual Premium$1,019Monthly Premium$85
ProgressiveAnnual Premium$1,037Monthly Premium$86
MercuryAnnual Premium$1,081Monthly Premium$90
State FarmAnnual Premium$1,152Monthly Premium$96
AllstateAnnual Premium$1,195Monthly Premium$100
NationwideAnnual Premium$1,288Monthly Premium$107

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.

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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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$931Monthly Premium$78
AAA CaliforniaAnnual Premium$1,316Monthly Premium$110
GEICOAnnual Premium$1,421Monthly Premium$118
MercuryAnnual Premium$1,425Monthly Premium$119
Capital Insurance GroupAnnual Premium$1,499Monthly Premium$125
State FarmAnnual Premium$1,707Monthly Premium$142
AllstateAnnual Premium$1,740Monthly Premium$145
KemperAnnual Premium$1,856Monthly Premium$155

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$2,693Individual Plan Monthly Premium$5,097
State FarmFamily Plan Annual Premium$2,907Individual Plan Monthly Premium$5,223
AllstateFamily Plan Annual Premium$3,212Individual Plan Monthly Premium$6,542
FarmersFamily Plan Annual Premium$3,295Individual Plan Monthly Premium$5,861
Capital Insurance GroupFamily Plan Annual Premium$3,299Individual Plan Monthly Premium$3,920
ProgressiveFamily Plan Annual Premium$3,675Individual Plan Monthly Premium$6,793
TravelersFamily Plan Annual Premium$3,988Individual Plan Monthly Premium$5,205
NationwideFamily Plan Annual Premium$5,138Individual Plan Monthly Premium$11,770

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$847Monthly Premium$71
National GeneralAnnual Premium$888Monthly Premium$74
GEICOAnnual Premium$949Monthly Premium$79
AAA CaliforniaAnnual Premium$1,019Monthly Premium$85
ProgressiveAnnual Premium$1,037Monthly Premium$86
MercuryAnnual Premium$1,081Monthly Premium$90
State FarmAnnual Premium$1,152Monthly Premium$96
AllstateAnnual Premium$1,195Monthly Premium$100

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.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 13, 2024

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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).

Data filtered by:Results filtered by:
Age Group:
Age Group:22-29
Coverage:
Coverage:Full Coverage
National GeneralAnnual Premium$1,074Monthly Premium$89
GEICOAnnual Premium$1,095Monthly Premium$91
ProgressiveAnnual Premium$1,247Monthly Premium$104
AllstateAnnual Premium$1,319Monthly Premium$110
AAA CaliforniaAnnual Premium$1,339Monthly Premium$112
State FarmAnnual Premium$1,346Monthly Premium$112
MercuryAnnual Premium$1,404Monthly Premium$117
Capital Insurance GroupAnnual Premium$1,475Monthly Premium$123

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).

Data filtered by:Results filtered by:
Age Group:
Age Group:60 +
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$899Monthly Premium$75
National GeneralAnnual Premium$899Monthly Premium$75
GEICOAnnual Premium$916Monthly Premium$76
AAA CaliforniaAnnual Premium$1,001Monthly Premium$83
ProgressiveAnnual Premium$1,037Monthly Premium$86
MercuryAnnual Premium$1,058Monthly Premium$88
AllstateAnnual Premium$1,128Monthly Premium$94
HartfordAnnual Premium$1,181Monthly Premium$98

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%.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$1,209Monthly Premium$101
ProgressiveAnnual Premium$1,243Monthly Premium$104
TravelersAnnual Premium$1,331Monthly Premium$111
State FarmAnnual Premium$1,370Monthly Premium$114
Capital Insurance GroupAnnual Premium$1,453Monthly Premium$121
NationwideAnnual Premium$1,504Monthly Premium$125
AllstateAnnual Premium$1,518Monthly Premium$127

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.

Santa MariaFull Coverage Average Annual Premium$1,106Minimum Coverage Average Annual Premium$462
VisaliaFull Coverage Average Annual Premium$1,179Minimum Coverage Average Annual Premium$500
Chula VistaFull Coverage Average Annual Premium$1,189Minimum Coverage Average Annual Premium$501
VenturaFull Coverage Average Annual Premium$1,189Minimum Coverage Average Annual Premium$539
SalinasFull Coverage Average Annual Premium$1,199Minimum Coverage Average Annual Premium$496
San DiegoFull Coverage Average Annual Premium$1,202Minimum Coverage Average Annual Premium$521
VistaFull Coverage Average Annual Premium$1,205Minimum Coverage Average Annual Premium$533
CarlsbadFull Coverage Average Annual Premium$1,225Minimum Coverage Average Annual Premium$542
EscondidoFull Coverage Average Annual Premium$1,232Minimum Coverage Average Annual Premium$533
BakersfieldFull Coverage Average Annual Premium$1,234Minimum Coverage Average Annual Premium$527
ClovisFull Coverage Average Annual Premium$1,239Minimum Coverage Average Annual Premium$549
FairfieldFull Coverage Average Annual Premium$1,241Minimum Coverage Average Annual Premium$520
OceansideFull Coverage Average Annual Premium$1,246Minimum Coverage Average Annual Premium$550
San MateoFull Coverage Average Annual Premium$1,249Minimum Coverage Average Annual Premium$537
MurrietaFull Coverage Average Annual Premium$1,250Minimum Coverage Average Annual Premium$554
OxnardFull Coverage Average Annual Premium$1,260Minimum Coverage Average Annual Premium$549
TemeculaFull Coverage Average Annual Premium$1,270Minimum Coverage Average Annual Premium$552
SunnyvaleFull Coverage Average Annual Premium$1,279Minimum Coverage Average Annual Premium$551
FresnoFull Coverage Average Annual Premium$1,281Minimum Coverage Average Annual Premium$549
El CajonFull Coverage Average Annual Premium$1,285Minimum Coverage Average Annual Premium$560
Santa ClaraFull Coverage Average Annual Premium$1,289Minimum Coverage Average Annual Premium$559
San JoseFull Coverage Average Annual Premium$1,290Minimum Coverage Average Annual Premium$551
FremontFull Coverage Average Annual Premium$1,296Minimum Coverage Average Annual Premium$540
RosevilleFull Coverage Average Annual Premium$1,309Minimum Coverage Average Annual Premium$587
OrangeFull Coverage Average Annual Premium$1,310Minimum Coverage Average Annual Premium$587
ConcordFull Coverage Average Annual Premium$1,315Minimum Coverage Average Annual Premium$558
Jurupa ValleyFull Coverage Average Annual Premium$1,324Minimum Coverage Average Annual Premium$573
Santa RosaFull Coverage Average Annual Premium$1,326Minimum Coverage Average Annual Premium$543
Rancho CucamongaFull Coverage Average Annual Premium$1,330Minimum Coverage Average Annual Premium$568
SacramentoFull Coverage Average Annual Premium$1,331Minimum Coverage Average Annual Premium$576
BerkeleyFull Coverage Average Annual Premium$1,342Minimum Coverage Average Annual Premium$551
Costa MesaFull Coverage Average Annual Premium$1,342Minimum Coverage Average Annual Premium$621
Huntington BeachFull Coverage Average Annual Premium$1,349Minimum Coverage Average Annual Premium$617
TorranceFull Coverage Average Annual Premium$1,351Minimum Coverage Average Annual Premium$608
RiversideFull Coverage Average Annual Premium$1,351Minimum Coverage Average Annual Premium$583
CoronaFull Coverage Average Annual Premium$1,351Minimum Coverage Average Annual Premium$589
Simi ValleyFull Coverage Average Annual Premium$1,352Minimum Coverage Average Annual Premium$621
Moreno ValleyFull Coverage Average Annual Premium$1,357Minimum Coverage Average Annual Premium$578
San BernardinoFull Coverage Average Annual Premium$1,369Minimum Coverage Average Annual Premium$583
Elk GroveFull Coverage Average Annual Premium$1,370Minimum Coverage Average Annual Premium$598
OntarioFull Coverage Average Annual Premium$1,374Minimum Coverage Average Annual Premium$594
HaywardFull Coverage Average Annual Premium$1,374Minimum Coverage Average Annual Premium$559
VallejoFull Coverage Average Annual Premium$1,378Minimum Coverage Average Annual Premium$556
FontanaFull Coverage Average Annual Premium$1,384Minimum Coverage Average Annual Premium$589
RialtoFull Coverage Average Annual Premium$1,391Minimum Coverage Average Annual Premium$585
Santa AnaFull Coverage Average Annual Premium$1,399Minimum Coverage Average Annual Premium$622
RichmondFull Coverage Average Annual Premium$1,400Minimum Coverage Average Annual Premium$583
ModestoFull Coverage Average Annual Premium$1,401Minimum Coverage Average Annual Premium$608
VictorvilleFull Coverage Average Annual Premium$1,402Minimum Coverage Average Annual Premium$594
AntiochFull Coverage Average Annual Premium$1,403Minimum Coverage Average Annual Premium$570
StocktonFull Coverage Average Annual Premium$1,407Minimum Coverage Average Annual Premium$590
Thousand OaksFull Coverage Average Annual Premium$1,408Minimum Coverage Average Annual Premium$638
IrvineFull Coverage Average Annual Premium$1,411Minimum Coverage Average Annual Premium$633
Arden-ArcadeFull Coverage Average Annual Premium$1,430Minimum Coverage Average Annual Premium$647
PomonaFull Coverage Average Annual Premium$1,432Minimum Coverage Average Annual Premium$618
Santa ClaritaFull Coverage Average Annual Premium$1,444Minimum Coverage Average Annual Premium$654
AnaheimFull Coverage Average Annual Premium$1,448Minimum Coverage Average Annual Premium$648
NorwalkFull Coverage Average Annual Premium$1,460Minimum Coverage Average Annual Premium$633
LancasterFull Coverage Average Annual Premium$1,462Minimum Coverage Average Annual Premium$659
OaklandFull Coverage Average Annual Premium$1,469Minimum Coverage Average Annual Premium$598
West CovinaFull Coverage Average Annual Premium$1,478Minimum Coverage Average Annual Premium$656
FullertonFull Coverage Average Annual Premium$1,480Minimum Coverage Average Annual Premium$657
San FranciscoFull Coverage Average Annual Premium$1,486Minimum Coverage Average Annual Premium$613
Garden GroveFull Coverage Average Annual Premium$1,488Minimum Coverage Average Annual Premium$682
Long BeachFull Coverage Average Annual Premium$1,497Minimum Coverage Average Annual Premium$649
PalmdaleFull Coverage Average Annual Premium$1,507Minimum Coverage Average Annual Premium$667
Daly CityFull Coverage Average Annual Premium$1,528Minimum Coverage Average Annual Premium$621
DowneyFull Coverage Average Annual Premium$1,531Minimum Coverage Average Annual Premium$657
East Los AngelesFull Coverage Average Annual Premium$1,562Minimum Coverage Average Annual Premium$677
El MonteFull Coverage Average Annual Premium$1,586Minimum Coverage Average Annual Premium$693
PasadenaFull Coverage Average Annual Premium$1,598Minimum Coverage Average Annual Premium$704
BurbankFull Coverage Average Annual Premium$1,733Minimum Coverage Average Annual Premium$782
InglewoodFull Coverage Average Annual Premium$1,740Minimum Coverage Average Annual Premium$774
Los AngelesFull Coverage Average Annual Premium$1,877Minimum Coverage Average Annual Premium$820
GlendaleFull Coverage Average Annual Premium$2,115Minimum Coverage Average Annual Premium$913

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.