One of the many considerations that aid in calculating insurance cost is where your car is garaged. Cities with more crime and/or more people will most likely pay more, whereas less populated areas have the benefit of cheaper car insurance.
The illustration below shows the most costly cities in California for active military to buy auto insurance in. Bakersfield is ranked at #24 with the yearly price of $1,340 for the average insured, which is approximately $112 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,763 |
| 4 | Sacramento | $1,720 |
| 5 | Oakland | $1,687 |
| 6 | Stockton | $1,603 |
| 7 | San Bernardino | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Santa Clarita | $1,548 |
| 10 | Fontana | $1,535 |
| 11 | Fresno | $1,517 |
| 12 | Garden Grove | $1,508 |
| 13 | Moreno Valley | $1,506 |
| 14 | Modesto | $1,502 |
| 15 | Riverside | $1,482 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,402 |
| 20 | Fremont | $1,389 |
| 21 | San Diego | $1,381 |
| 22 | Oxnard | $1,358 |
| 23 | Irvine | $1,343 |
| 24 | Bakersfield | $1,340 |
| 25 | Chula Vista | $1,337 |
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Rate quotes are approximated as the specific garaging location can decrease or increase coverage prices greatly.
The car, truck, or SUV that is being insured is one of the largest considerations that determines whether or not you can buy cheaper insurance for active military. Vehicles with limited speed and performance, a plethora of safety features, or low incidents of liability claims will cost quite a bit less to insure than fast, unsafe models. The next table illustrates insurance costs for a selection of the most affordable automobiles to insure in California.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $792 |
| Ford Escape XLS 2WD | $801 |
| Honda Accord EX-L 4-Dr Sedan | $982 |
| Toyota Tacoma X-Runner 2WD | $986 |
| Toyota Camry SE | $993 |
| Toyota Corolla XLE | $986 |
| Hyundai Elantra SE 4-Dr Sedan | $993 |
| Toyota Prius | $1,002 |
| Chevrolet Silverado LS Crew Cab 4WD | $1,004 |
| Nissan Rogue SL 2WD | $1,009 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,022 |
| Chevrolet Equinox LT AWD | $1,072 |
| Dodge Grand Caravan Hero | $1,079 |
| Chevrolet Malibu Hybrid | $1,072 |
| Jeep Grand Cherokee Laredo 4WD | $1,077 |
| Ford Explorer XLT AWD | $1,087 |
| Chevrolet Impala LS | $1,125 |
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in specific zip code location which can affect auto insurance rates greatly.
Looking at the numbers, you can assume that makes and models like the Honda CR-V, Ford Escape, Honda Accord, Toyota Tacoma, and Toyota Camry should be some of the cheapest vehicles to insure for military personnel.
Finding out which insurers offer the best insurance rates for active military will require a bit more effort than just comparing a company or two. Every car insurance company has their own formula to determine rates, so let’s take a look at the insurance companies that tend to have lower prices in Bakersfield.
It’s important to know that Bakersfield insurance rates are calculated based on many things that may substantially change the price you have to pay. Getting older, buying a different vehicle, or getting a few speeding tickets can trigger rate changes resulting in some companies being cheaper than before.
Best Car Insurance Prices for Military
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,192 |
| 3 | Century National | $1,226 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,496 |
| 10 | Allied | $1,541 |
| 11 | Allstate | $1,543 |
| 12 | GEICO | $1,559 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,623 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $2,006 |
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USAA generally has some of the most affordable car insurance rates in Bakersfield at around $1,109 a year. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also are some of the best Bakersfield, CA car insurance companies.
As shown above, if you currently have a policy with Century National and switched to USAA, you might see a yearly price reduction of about $117. Drivers with CSAA may save as much as $125 a year, and Nationwide policyholders might reduce prices by as much as $141 a year.
To see if your current coverage is too expensive, click here to start your free quote or feel free to get quotes from the companies below.
Remember that these estimates are averages for all ages of drivers and types of vehicles and and are not figured with an exact location for active military. So the insurer that fits your situation best may not even be in the top 24 companies in the list above. That point stresses why you need to compare as many prices as possible using your own specific driver and vehicle information.
Safe drivers pay cheaper rates
A great way to snag the most affordable insurance prices in California for military personnel is to drive cautiously and avoid traffic citations and accidents. The diagram below illustrates how traffic citations and at-fault claims can influence auto insurance rates for different age categories. The information is based on a married male driver, comp and collision included, $500 deductibles, and no discounts are factored in.
The data above shows the average cost of car insurance per year with no accidents and a clean driving record is $2,396. Get written up for one speeding ticket and the average cost swells to $2,757, an increase of $361 each year. Then throw in two accidents along with the one speeding ticket and the annual cost of insurance for active military goes up to an average of $5,980. That’s an increase of $3,584, or $299 per month, just for being a careless driver!
The information below demonstrates how choosing different deductibles can influence insurance costs when searching for cheap insurance for active military. The premiums assume a married male driver, full coverage, and no other discounts are factored in.
The data above shows that a 30-year-old driver could save $408 a year by increasing from a $100 deductible up to a $500 deductible, or save $618 by using a $1,000 deductible. Youthful drivers, like the Age 20 category, have the ability to save as much as $1,230 each year by using a higher deductible. When raising deductibles, it will be necessary to have plenty of money set aside to be able to cover the extra out-of-pocket expense associated with higher deductibles.
Why it’s important to shop around
Bakersfield, CA insurance rates are impacted by many things which can substantially decrease or increase the policy premium. Getting older, marrying your spouse, or having an at-fault accident can trigger price changes resulting in some companies being affordable when they were higher priced.
In addition, insurers modify pricing as often as every quarter to adjust for gains or losses. Larger than normal claims may cause high rates, while a lower level of claims may result in lower-priced Bakersfield car insurance rates.
The chart below shows which companies have the cheapest car insurance in Bakersfield, CA for a 40-year-old female driver with a clear driving record, no claims, and great credit. If we estimate prices based on her personal profile, USAA may have the lowest car insurance rates in Bakersfield at $1,155 a year. This is $496 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remaining cheapest Bakersfield, CA auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison a couple of claims, less-than-perfect credit, and an imperfect driving record. Since each company has their own process for filing rates in each state, comparing prices most likely will result in a significantly different list of affordable companies as shown below.
Grange now has the best price in Bakersfield, CA with Progressive, GEICO, Allied, and Allstate also being competitive. This shows why consumers need to take the time to spend some time comparing rates when trying to get cheap car insurance rates for active military. Car insurance prices are determined by many things and change dramatically, so the most economical option three years ago may now be quite expensive.
If you have questions and prefer to get some professional advice when comparing insurance rates for active military, the agents listed below are a good start to help you make a decision which car insurance company is the best fit.
To find an agent using an interactive map, click the button at the bottom or click here to compare rates now.
- Stockdale Insurance Agency Inc
1675 Chester Ave #310 – Bakersfield, CA 93301 – (661) 327-3321 - Dennis Stitt – State Farm Insurance Agent
1811 Oak St Ste 155 – Bakersfield, CA 93301 – (661) 327-6990 - Farmers Insurance: Ruth Escobar
400 Chester Ave – Bakersfield, CA 93301 – (661) 631-2420 - Mike Boyer – State Farm Insurance Agent
9720 Brimhall Rd Ste 200 – Bakersfield, CA 93312 – (661) 588-1140 - State Farm: Janet Hopkins
1528 18th St – Bakersfield, CA 93301 – (661) 327-8621