The words “economical” and “auto insurance” really shouldn’t be used in the same sentence, specifically when looking for the lowest insurance rates for a learners permit. Because of the high cost, let’s get started by showing you a few of the things that impact car insurance rates, and find a few ways to lower the cost of the next policy you buy.
Trying to find budget auto insurance is challenging, and deciding which companies have the lowest-priced car insurance rates for a learners permit will take more quotes for comparison.
Every insurance provider uses their own calculation to set policy rates, so first let’s look at the rankings for the car insurance companies with the overall best prices in Bakersfield, CA.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,146 |
| 3 | CSAA | $1,186 |
| 4 | Nationwide | $1,226 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,513 |
| 10 | Allied | $1,556 |
| 11 | Progressive | $1,558 |
| 12 | GEICO | $1,559 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,638 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,699 |
| 17 | State Farm | $1,733 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $2,006 |
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USAA normally has some of the most affordable car insurance rates in Bakersfield at around $1,143 per year. Wawanesa, CSAA, Nationwide, and Century National also qualify as some of the cheaper Bakersfield, CA auto insurance companies.
As the rates illustrate above, if you buy coverage from Century National and switched to Wawanesa, you could see a yearly price reduction of in the neighborhood of $80. Drivers with 21st Century could save as much as $192 a year, and Grange policyholders might cut rates by $331 a year.
To get a quick, customized rate comparison, click here to begin a quote or visit any of the low-priced companies below.
Bear in mind that those rates are averaged across all types of drivers and the different vehicles they drive and do not factor in an exact zip code location for a learners permit. So the car insurance company that is best suited for you may not even be in the top 24 companies shown above. That points out the importance of why you need to get auto insurance quotes using your own driver data and vehicle information.
One of the more important factors that are looked at to help calculate auto insurance rates is where your car is garaged. Areas with more people or higher crime rates likely pay more, whereas less populated areas can boast about having cheaper rates.
The information below shows the most expensive areas in California for a learners permit to buy auto insurance in. Bakersfield ranks #22 with an annual rate of $1,381 for car insurance, which is around $115 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,703 |
| 6 | Long Beach | $1,626 |
| 7 | Santa Clarita | $1,580 |
| 8 | San Bernardino | $1,580 |
| 9 | Stockton | $1,556 |
| 10 | Modesto | $1,547 |
| 11 | Fontana | $1,535 |
| 12 | Riverside | $1,527 |
| 13 | Garden Grove | $1,508 |
| 14 | Moreno Valley | $1,506 |
| 15 | Santa Ana | $1,497 |
| 16 | Fresno | $1,457 |
| 17 | San Jose | $1,437 |
| 18 | Anaheim | $1,430 |
| 19 | Huntington Beach | $1,416 |
| 20 | Fremont | $1,403 |
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Prices are comparative as vehicle location can affect auto insurance rates greatly.
The vehicle that is being insured is probably the biggest factor that determines whether or not you can buy the lowest-priced auto insurance for a learners permit. Vehicles with high performance engines, poor safety features, or an increased likelihood of liability claims will cost much more to insure than more economical and safe models.
The next list illustrates car insurance prices for a number of the cheapest automobiles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $3,326 |
| Honda Accord LX 4-Dr Sedan | $3,336 |
| Honda CR-V LX 2WD | $3,326 |
| Toyota Prius | $3,589 |
| Ford Explorer Eddie Bauer 2WD | $3,741 |
| Ford F-150 XL Crew Cab 2WD | $3,747 |
| Dodge Grand Caravan CV | $3,741 |
| Volkswagen Jetta SE 2.5 Station Wagon | $3,791 |
| Chevrolet Impala LS | $3,913 |
| Ford Edge SE AWD | $3,921 |
| Chevrolet Malibu LS | $3,944 |
| Jeep Grand Cherokee Laredo 4WD | $3,949 |
| Toyota Tacoma Double Cab 4WD | $3,944 |
| Chevrolet Equinox LT 2WD | $3,951 |
| Toyota RAV4 4WD | $3,944 |
| Dodge Ram Quad Cab ST 2WD | $4,077 |
| Ford Focus SEL 4-Dr Sedan | $4,115 |
| Honda Odyssey EX-L W/Navigation | $4,146 |
| Hyundai Elantra GLS 4-Dr Sedan | $4,153 |
| Toyota Corolla XLE | $4,146 |
| Nissan Altima Hybrid 4-Dr Sedan | $4,175 |
| Honda Civic Hybrid 4-Dr Sedan | $4,182 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $4,175 |
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Data rating is based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in specific location which can impact premium rates significantly.
Looking at the data, vehicles like the Ford Escape, Honda Accord, and Honda CR-V are most likely going to be some of the most economical vehicles to insure for new drivers. The price for an auto insurance policy will tend to be more expensive just due to the fact that there is more exposure for a learners permit, but in general those particular models will probably have the lowest insurance prices available.
Tickets and at-fault accidents raise rates
The common sense way to earn the most affordable car insurance rates in Bakersfield for new drivers is to drive safely and avoid accidents and traffic citations. The chart below illustrates how traffic citations and at-fault collisions can influence car insurance costs for different age groups. The rates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.
The data above shows the average cost of auto insurance in California per year with no accidents and a clean driving record is $1,767. Get written up for one speeding ticket and the average cost hikes up to $2,006, an increase of $239 each year. Next add one accident along with the one speeding ticket and the 12-month cost of car insurance for a learners permit jumps again to an average of $2,662. That’s an increase of $895, or $75 per month, just for not being attentive to the road!
Choosing the highest-rated company can be a challenge considering how many different companies insure vehicles in Bakersfield. The ranking data below can help you pick which auto insurance companies you want to consider when comparing insurance rates for a learners permit. These rankings are only comprised of large, nationwide insurance companies, so companies that have a smaller presence are not factored into this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
You are probably paying too much for car insurance
Bakersfield, CA car insurance rates are based on many factors that control the price you have to pay for coverage. Simply getting older, buying another vehicle, or getting a ticket for running a stop sign may generate price changes that can cause some rates to be cheaper than others. Not only may things change on your end, but auto insurance companies change rates as needed in order to maintain liquidity for claims. Significantly higher claims may result in price increases, while a lower level of claims can result in lower-priced Bakersfield car insurance rates.
To illustrate this example, the graph below shows the cheapest car insurance in Bakersfield, CA for a 45-year-old male driver with no accidents, a clean driving record, and a high credit rating. If we compare prices based on his current risk profile, USAA offers the most affordable car insurance rates in Bakersfield at $1,163 each year. This is $488 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide round out the rest of the cheapest Bakersfield, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from above an at-fault accident, slightly worse credit, and a few traffic violations. Because each company uses their own calculation to establish rates, comparing insurance quotes may now present a slightly different list of affordable companies as shown below.
Grange now has the best auto insurance rate in Bakersfield with Allstate, Allied, Mercury, and Progressive also being competitive. This example proves why it is important to compare as many rates as possible when trying to find the most affordable auto insurance quotes for a learners permit. Car insurance prices are impacted by many risk factors and can increase or decrease at any time, so the best option the last time you checked may now cost much more than other companies.
The agents listed below are a good start to help you make a decision which car insurance company is the best fit, as some people prefer to have a little guidance when shopping for cheaper insurance for new drivers. It’s not always simple to find the cheapest car insurance policy, and insurance agents licensed in the state of California can add satisfaction knowing your policy gives you adequate protection in case of an accident or claim. To locate a Bakersfield car insurance agency using an interactive map, click the button below the list or click here to compare price quotes.
- State Farm: Janet Hopkins
1528 18th St – Bakersfield, CA 93301 – (661) 327-8621 - Mike Brazzell – State Farm Insurance Agent
3721 Columbus St – Bakersfield, CA 93306 – (661) 872-7770 - Nationwide Insurance: Mountain Pacific Insurance And Financial Services
3100 19th St #250 – Bakersfield, CA 93301 – (661) 873-4780 - Keith Stonebraker – State Farm Insurance Agent
4600 Ashe Rd #308 – Bakersfield, CA 93313 – (661) 664-9663