1. Home
  2. The Best Cheap Car Insurance in Bakersfield
Written by:

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.

Compare Car Insurance Rates in Bakersfield

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

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.

Scroll for more

swipe icon
Company
Amountper year
1. Esurance
In 2021, Esurance ranked #1 in Bakersfield for the cheapest car insurance for the average driver.
$959
2. Progressive
In 2021, Progressive ranked #2 in Bakersfield for the cheapest car insurance for the average driver.
$1,092
3. USAA
In 2021, USAA ranked #3 in Bakersfield for the cheapest car insurance for the average driver.
$1,092
4. GEICO
In 2021, GEICO ranked #4 in Bakersfield for the cheapest car insurance for the average driver.
$1,131
5. AAA
In 2021, AAA ranked #5 in Bakersfield for the cheapest car insurance for the average driver.
$1,149
6. MetLife
In 2021, MetLife ranked #6 in Bakersfield for the cheapest car insurance for the average driver.
$1,171
7. Allstate
In 2021, Allstate ranked #7 in Bakersfield for the cheapest car insurance for the average driver.
$1,220
8. Mercury
In 2021, Mercury ranked #8 in Bakersfield for the cheapest car insurance for the average driver.
$1,310
9. State Farm
In 2021, State Farm ranked #9 in Bakersfield for the cheapest car insurance for the average driver.
$1,445
10. Hartford
In 2021, Hartford ranked #10 in Bakersfield for the cheapest car insurance for the average driver.
$1,448
11. Farmers
In 2021, Farmers ranked #11 in Bakersfield for the cheapest car insurance for the average driver.
$1,497
12. Allied
In 2021, Allied ranked #12 in Bakersfield for the cheapest car insurance for the average driver.
$1,518
13. Travelers
In 2021, Travelers ranked #13 in Bakersfield for the cheapest car insurance for the average driver.
$1,557

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.

Insurance Rates

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.

Visit these guides to learn more:

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
6. MetLife$586$807
7. Mercury$534$741
8. Allstate$685$796
9. State Farm$681$917
10. Hartford$692$885
11. Travelers$614$846
12. Allied$688$888
13. Farmers$774$908
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
6. MetLife$1,082$1,171
7. Mercury$1,218$1,310
8. Allstate$1,147$1,220
9. State Farm$1,296$1,445
10. Hartford$1,341$1,448
11. Travelers$1,442$1,557
12. Allied$1,405$1,518
13. Farmers$1,394$1,497
Compare Car Insurance Rates in Bakersfield

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

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.

CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
1. Esurance$1,213$1,493$2,375
2. USAA$1,194$1,902$3,085
3. GEICO$1,667$1,895$2,653
4. Mercury$1,719$2,269$2,149
5. AAA$1,517$1,736$3,559
6. Progressive$2,085$2,268$2,612
7. Farmers$2,055$2,569$2,569
8. Allstate$1,719$2,172$3,840
9. Travelers$2,315$2,566$3,197
10. Allied$2,125$2,440$3,663
11. State Farm$2,119$2,205$4,434
12. MetLife$1,515$1,969$7,367
13. Hartford$2,280$3,195$5,322

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
iconribbontop ratedCar Insurance agentsBakersfield2021

Top Agents Offering Affordable Car Insurance in Bakersfield

1. Adriana's Insurance3900 Niles St, Ste 103, Bakersfield, CA, 93306
5 ratings
2. California Total Insurance Services2695 Mount Vernon Ave, Ste E, Bakersfield, CA, 93306
3 ratings
3. Bridgemark Insurance5610 District Blvd, Ste 103, Bakersfield, CA, 93313
3 ratings
4. Kathy Herm - State Farm Insurance Agent6515 Panama Ln, Ste 104, Bakersfield, CA, 93313
3 ratings
5. Omni Safe Insurance Bakersfield3401 Pacheco Rd, Ste I, Bakersfield, CA, 93313
17 ratings

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 accident 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

Shopping around for car insurance in Bakersfield could save you $333, which is enough to buy:


coffee icon
111Cups of Coffee
display2
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 overage 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.

Insurance Rates