Best Life Insurance in Bakersfield, CA (September 2024)


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Protective is the best life insurance provider in BAkersfield, California, for both men and women. With a MoneyGeek score of 91 for women and 92 for men, it offers competitive rates with a monthly premium of $22 for women and $29 for men. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.

When deciding on life insurance, consider various factors such as your age, health and financial goals. Your unique needs may mean a different company is best for you.'

Why Trust MoneyGeek? We analyzed 1,488 life insurance quotes alongside customer satisfaction, financial stability reports, product offerings and more to determine the best life insurance companies in Bakersfield, California.

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Coverage costs and company information for life insurance providers were updated in September 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
50ZIP Codes
MoneyGeek Logo IconBestLife InsuranceBakersfield, CA
2024

Best Life Insurance Companies in Bakersfield

Overall Best Life Insurance in Bakersfield, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Bakersfield for both men and women, with a MoneyGeek score of 92 and a monthly premium of $29 for men and a score of 91 with a monthly premium of $22 for women.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $29 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $35 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $22 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $27 per month for women

Protective stands out due to its competitive monthly premiums, making it a reliable and cost-effective choice for those looking to purchase life insurance in Bakersfield.

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MoneyGeek Top Pick
Protective

Protective stands out as the best life insurance provider in Bakersfield for both men and women, offering a balance of affordability and customer satisfaction. With a MoneyGeek score of 92 for men and 91 for women, Protective provides life insurance at a monthly premium of $29 and $22, respectively.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Bakersfield, CA

How was this MoneyGeek score calculated?

Protective is the best term life insurance provider in Bakersfield for both men and women, with a MoneyGeek score of 92 and a monthly premium of $15 for men and $12 for women. The high score reflects Protective's strong performance across affordability, customer satisfaction, buying process, financial stability, and product diversity.

The top two term life insurance companies for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $15 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $18 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $12 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $16 per month for women

Term life insurance offers coverage for a specified period, providing a death benefit if the insured passes away during the term. It is often chosen over permanent life insurance for its affordability and simplicity. For instance, a parent might opt for term life insurance to ensure their child's educational expenses are covered until graduation.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for term life insurance in Bakersfield for men and women, with a MoneyGeek score of 92 each. With a monthly premium of $15 and $12, respectively, it offers a balance of cost and quality service.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Bakersfield, CA

How was this MoneyGeek score calculated?

In Bakersfield, Protective stands out as the provider of the best whole life insurance for both men and women, with a MoneyGeek score of 92. This score reflects the company's commitment to affordability, customer satisfaction, and financial stability, making it a solid choice for individuals seeking a reliable life insurance policy.

  • Protective: MoneyGeek score of 92 out of 100 for men and women
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 for men and women

Whole life insurance provides lifelong coverage and includes an investment component that can grow over time. Someone might choose whole life insurance to ensure their family's financial stability while also building cash value that can be borrowed against in the future.

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MoneyGeek Top Pick
Protective

Protective is the leading provider of whole life insurance in Bakersfield for both men and women, with a MoneyGeek score of 92. This score reflects the company's commitment to excellent service.

Pros:

  • High customer satisfaction
  • Affordable rates
  • Solid financial stability

Cons:

  • Buying process could improve

Compare Life Insurance Rates

Ensure you're getting the best rate for your life insurance. Compare quotes from top providers to find the most affordable life insurance coverage for your needs.

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Insurance Rates

Best Universal Life Insurance in Bakersfield, CA

How was this MoneyGeek score calculated?

Protective is the best universal life insurance provider in Bakersfield, with a MoneyGeek score of 91 for both men and women. Here are the top performers for universal life insurance in Bakersfield:

  • Protective: MoneyGeek score of 91 out of 100 for men and women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men and women

Universal life insurance offers a flexible premium and death benefit, along with the potential to build cash value over time. For instance, someone who wants the ability to adjust their premiums and coverage as their financial situation changes might opt for universal life insurance over more rigid policies.

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MoneyGeek Top Pick
Protective

Protective is the premier choice for universal life insurance in Bakersfield, catering to both men and women. With an impressive MoneyGeek score of 91 for both genders, Protective ensures a reliable and satisfactory insurance experience. Customers can expect a blend of affordability and quality service from this top-rated provider.

Pros:

  • High customer satisfaction
  • Affordable rates
  • Strong financial stability

Cons:

  • Buying process needs improvement

Best No-Medical-Exam Life Insurance in Bakersfield, CA

How was this MoneyGeek score calculated?

In Bakersfield, Protective offers the best life insurance without the hassle of a mandatory medical exam for both men and women, with a MoneyGeek score of 91.

  • Protective: MoneyGeek score of 91 out of 100 for men and women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men and women

Life insurance without a medical exam allows individuals to obtain coverage quickly and without the need for a medical checkup. This can be particularly beneficial for those with health concerns or who require immediate coverage. For instance, someone with a chronic condition might opt for no-medical-exam insurance to avoid the possibility of being denied coverage or facing higher premiums.

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MoneyGeek Top Pick
Protective

Protective stands out for its commitment to customer satisfaction and affordable premiums for both men and women needing life insurance. This company simplifies the search for reliable life insurance without the need for a medical exam.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Bakersfield, CA

How was this MoneyGeek score calculated?

In Bakersfield, Protective stands out as the provider of the best term life insurance for seniors, with the highest MoneyGeek score for both men (91) and women (90). Men can expect a monthly premium of $70, while women's premiums are $56.

Age influences life insurance premiums, with costs typically increasing as policyholders age. Protective's top scores reflect their strong customer satisfaction, financial stability and product diversity.

Best Term Life Insurance for Seniors in Bakersfield
Data filtered by:Results filtered by:
gender:
gender:M
1Protective$7091
2Mutual of Omaha$7891
3Nationwide$6690
4Allstate$6389
5Transamerica$6488
6AAA$8888
7Prudential$6787
8State Farm$10386
9Haven$13882

Best Term Life Insurance for Smokers in Bakersfield, CA

How was this MoneyGeek score calculated?

In Bakersfield, Mutual of Omaha stands out for those seeking the best term life insurance for smokers, with a MoneyGeek score of 91 and an average monthly premium of $75 for men and a MoneyGeek score of 89 and monthly premium of $67 for women.

Smoking significantly affects life insurance premiums due to the health risks it poses, often leading to higher rates for smokers than nonsmokers. Mutual of Omaha and Allstate's top scores reflect their commitment to providing valuable coverage at competitive prices, making them strong contenders for reliable term life insurance.

Best Term Life Insurance for Smokers in Bakersfield
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$7590
2Nationwide$7289
3AAA$7888
4Prudential$5988
5Transamerica$7087
6Protective$12287
7Haven$7586
8State Farm$10684
9Allstate$10484

Best Term Life Insurance for Young Adults in Bakersfield, CA

How was this MoneyGeek score calculated?

In Bakersfield, the best term life insurance for young adults is offered by Protective, with a MoneyGeek score of 92 and monthly premiums of $7 for women and $9 for men.

Age significantly impacts life insurance premiums, with younger individuals typically paying lower rates. Protective's high MoneyGeek score reflects its affordability, customer satisfaction, and financial stability, making it a top choice for young adults seeking term life insurance in Bakersfield.

Best Term Life Insurance for Young Adults in Bakersfield
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$992
2Mutual of Omaha$1191
3Nationwide$1190
4Allstate$989
5Transamerica$988
6AAA$1288
7Prudential$1385
8State Farm$1685
9Haven$1484
10Bestow$1983

Best Cheap Term Life Insurance in Bakersfield, CA

How was this MoneyGeek score calculated?

In Bakersfield, Protective offers the best cheap term life insurance for both men and women, with a MoneyGeek score of 92 and monthly premiums of $15 for men and $12 for women.

Various factors influence life insurance premiums, including age, health and coverage amount. To get the lowest premiums, maintain good health, avoid tobacco and choose a shorter term length.

Best Cheap Term Life Insurance in Bakersfield
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$1592
2Allstate$1591
3Nationwide$1791
4Transamerica$1591
5Mutual of Omaha$1889
6AAA$2087
7Prudential$2085
8State Farm$2682
9Haven$2582

Average Cost of Term Life Insurance in Bakersfield, CA

The average monthly premium for term life insurance in Bakersfield is $20 for women and $28 for men.

Several factors influence the cost of life insurance premiums, including age, health, lifestyle, occupation and the type of policy chosen. These factors can cause significant variations in premiums from person to person.

Additionally, the cost of life insurance in Bakersfield might differ from the rest of California due to local health statistics, economic conditions, and regional risk assessments. Understanding these factors can help individuals make informed decisions when purchasing life insurance.

FAQ About Life Insurance in Bakersfield, CA

What company has the best life insurance in Bakersfield for men?
What is the monthly premium cost for the best life insurance for men in Bakersfield?
What company has the best life insurance in Bakersfield for women?
What is the monthly premium cost for the best life insurance for women in Bakersfield?
Is there anything different about life insurance in Bakersfield compared to the rest of California?
What happens to your life insurance if a company goes bankrupt in Bakersfield?
Why might Bakersfield residents need life insurance?
How do you find a lost life insurance policy in Bakersfield?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.


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