Trying to buy reasonably-priced auto insurance is difficult, and finding out which companies quote the lowest-priced car insurance rates for high school students will take additional perseverance. Each company uses different criteria for determining rates in each state, so to begin we’ll rank the most competitive car insurance companies in Bakersfield, CA.
Keep in mind that Bakersfield car insurance rates are impacted by many things that can increase the price you have to pay. Improving your credit score, filing a claim, or having an accident can trigger rate changes that can cause some rates to be more affordable than the competition.
Best Car Insurance Prices for Students
USAA may offer some of the best car insurance rates in Bakersfield at around $1,143 a year. Century National, Wawanesa, CSAA, and Nationwide would also make the list of some of the most economical Bakersfield, CA auto insurance companies.
As depicted above, if you currently have a policy with CSAA and switched to USAA, you might achieve savings of roughly $43. California drivers with Nationwide may save as much as $107 a year, and 21st Century insureds might realize rate reductions of up to $182 a year.
To see how much you can save, click here or visit several of the following companies.
Understand that those rates are averaged across all insureds and vehicles and do not factor in a vehicle location for high school students. So the auto insurance company that is most affordable for your situation may not even be in the top 24 companies in the list above. That illustrates why you need to quote rates from many companies using your own specific driver information and vehicle.
The vehicle you are seeking coverage for is one of the largest considerations when comparing cheaper auto insurance for high school students. Vehicles with higher performance characteristics, poor safety ratings, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models.
The table below estimates car insurance costs for a selection of the cheapest vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $2,963 |
| Ford Escape Limited 2WD | $2,991 |
| Toyota Prius | $3,209 |
| Dodge Grand Caravan SE | $3,329 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $3,336 |
| Volkswagen Jetta SE 2.5 Station Wagon | $3,396 |
| Honda Odyssey EX W/Rear Entertainment | $3,487 |
| Ford Edge Limited 2WD | $3,493 |
| Toyota Tacoma 2WD | $3,487 |
| Toyota RAV4 Limited 4WD | $3,516 |
| Jeep Grand Cherokee Laredo 2WD | $3,521 |
| Chevrolet Impala LT | $3,516 |
| Chevrolet Malibu LS | $3,526 |
| Chevrolet Equinox LS AWD | $3,516 |
| Ford F-150 XLT Crew Cab 4WD | $3,546 |
| Ford Explorer Eddie Bauer 4WD | $3,553 |
| Toyota Camry XLE | $3,703 |
| Toyota Corolla XLE | $3,709 |
| Hyundai Elantra GLS 4-Dr Sedan | $3,703 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $3,733 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $3,741 |
| Chevrolet Silverado LT Crew Cab 4WD | $3,733 |
| Honda Civic Hybrid 4-Dr Sedan | $3,738 |
| Start Your Quote Go | |
Prices based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in garaging location in Bakersfield, CA which can raise or lower premiums considerably.
Looking at the data, vehicles like the Honda CR-V, Ford Escape, and Toyota Prius are a few of the less-costly vehicles to insure for teenagers. The price for an auto insurance policy will tend to be more expensive because there is more liability exposure for high school students, but generally speaking those makes and models will have the best rates available.
Get discount Bakersfield car insurance
Car insurance companies that provide policies for high school students may also provide discounts that could reduce prices by 30% or more if you are eligible to receive them. Large car insurance companies and some of the discounts are shown below.
- GEICO includes discounts for membership and employees, multi-policy, driver training, good student, and seat belt use.
- Mercury Insurance has savings for good driver, location of vehicle, multi-car, anti-theft, professional/association, low natural disaster claims, and age of vehicle.
- Farmers Insurance may offer discounts for electronic funds transfer, mature driver, pay in full, business and professional, bundle discounts, distant student, and early shopping.
- Auto-Owners Insurance offers premium reductions for paperless, group or association, good student, air bags, and anti-theft.
- Liberty Mutual may include discounts for new graduate, new move discount, hybrid vehicle, newly married, and safety features.
- SAFECO may have discounts that include teen safe driver, bundle discounts, multi-car, anti-lock brakes, homeowner, and anti-theft.
- Progressive discounts include continuous coverage, multi-vehicle, online quote discount, homeowner, and online signing.
- USAA offers discounts for annual mileage, vehicle storage, new vehicle, loyalty savings, defensive driver, and multi-policy.
The chart below illustrates the difference between car insurance rates with and without some available policy discounts. The information is based on a female driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with paperless filing, passive restraint, anti-theft, good student, paid-in-full, and vehicle safety discounts applied. When discounts are applied, theaverage amount saved on car insurance for high school students is 28% or $934.
The information below demonstrates how deductible levels can change yearly insurance costs when researching cheap insurance for high school students. The premium estimates are based on a single female driver, full coverage, and no discounts are applied to the premium.
The data above shows that a 40-year-old driver could lower rates by $476 a year by changing from a $100 deductible to a $500 deductible, or save $712 by using a $1,000 deductible. Youthful drivers, like the 20-year-old, have the ability to save up to $1,216 each year by using higher deductibles when buying full coverage. If you do decide to increase your deductibles, it is essential to have additional savings on hand to enable you to cover the extra out-of-pocket expense that comes with higher deductibles.
Why are you paying too much for car insurance?
Bakersfield car insurance rates are based on many factors that control the cost of your policy. Getting older, having a claim, or having an at-fault accident can trigger changes in premium that can cause some rates to be more affordable than others.
Not only may your situation change, but car insurance companies change the rates they charge in California as needed to help ensure profitability. Higher than normal claim frequency or severity may cause higher prices, while less frequent claims can result in lower-priced Bakersfield car insurance rates.
To illustrate this point, the chart below shows the companies that have the cheapest car insurance in Bakersfield, CA for a 45-year-old female driver with no violations or accidents, and good financial standing. If we estimate prices based on her current risk factors, USAA may have the cheapest car insurance rates in Bakersfield at $1,128 per year. This is $523 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also on the list of the cheapest Bakersfield, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from the first example a chargeable claim, a little lower credit rating, and a blemish on her driving record. Since every insurance provider has a different formula for setting prices, analyzing rates could now result in a slightly different list of affordable companies as shown below.
Grange now has the best insurance rate in Bakersfield, CA with Mercury, Progressive, Allstate, and GEICO also having competitive pricing. This demonstrates why it is important to perform a complete rate comparison when trying to get the most budget-friendly insurance rates for high school students. Insurance prices are made up of many factors and change dramatically, so the cheapest company the last time you shopped your coverage around may now be one of the higher cost companies.
How to find the cheapest car insurance for high school students
It is possible to find better rates, and here are some penny-pinching solutions that can help you quote cheaper auto insurance.
- Remain accident-free and save
- Do not get traffic tickets
- Higher credit scores may earn you cheaper rates
- Assess whether full coverage is needed
- Raise physical damage deductibles
- Buy vehicles with good safety ratings
- Compare quotes from other companies often
The last idea is incredibly crucial, as was noted in the article above. Insurance prices in Bakersfield adjust often, so don’t be tentative to buy from a new company if a lower-cost policy is available.
Many consumers stick with the same company and that’s fine, but is isn’t recommended if that stubbornness costs you a small fortune year after year. If you have a few minutes, now is a great time to shop around to find cheaper auto insurance for high school students.
If you like to have the advice of a professional agent when comparing insurance rates for teenagers, the agents shown below can probably answer your questions and help you decide which auto insurance coverages would be the best in your situation.
To find an auto insurance agency using an interactive map, click the button at the bottom.
- Allstate Insurance: Shannon Hill
2500 New Stine Rd Ste 101 – Bakersfield, CA 93309 – (661) 836-1136 - Kelli Davis – State Farm Insurance Agent
2665 Calloway Dr #206 – Bakersfield, CA 93312 – (661) 829-1011 - Farmers Insurance – E Bob White
3811 Auburn St – Bakersfield, CA 93306 – (661) 871-3000 - Rosie Schweer – State Farm Insurance Agent
4200 Gosford Rd #103 – Bakersfield, CA 93313 – (661) 396-7961 - Keith Stonebraker – State Farm Insurance Agent
4600 Ashe Rd #308 – Bakersfield, CA 93313 – (661) 664-9663