The vehicle model requiring coverage is probably the most important factor in finding low-cost insurance for uninsured drivers. Vehicles with average performance, good safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than higher performance models.
The information below showcases car insurance rates for a selection of the more affordable automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $878 |
| Ford Escape XLS 2WD | $1,006 |
| Ford Edge SEL 2WD | $1,021 |
| Honda CR-V EX-L 4WD | $1,027 |
| Jeep Grand Cherokee Laredo 2WD | $1,040 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,044 |
| Ford Explorer Limited 2WD | $1,059 |
| Dodge Grand Caravan Crew | $1,068 |
| Hyundai Elantra GLS Touring Station Wagon | $1,076 |
| Chevrolet Impala LTZ | $1,093 |
| Toyota Corolla S | $1,103 |
| Toyota Prius | $1,112 |
| Chevrolet Equinox LTZ AWD | $1,121 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,112 |
| Honda Odyssey Touring | $1,121 |
| Nissan Rogue S AWD | $1,114 |
| Toyota Tacoma 4WD | $1,127 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Premium amounts do not factor in specific location information which can decrease or increase premium rates greatly.
Based on these rates, vehicles like the Honda Accord, Ford Escape, Ford Edge, Honda CR-V, and Jeep Grand Cherokee are a few of the cheaper vehicles to insure for drivers with no prior coverage.
Trying to buy budget auto insurance is not always easy, and figuring out which companies quote the most affordable auto insurance rates for uninsured drivers requires a bit more work. Every auto insurer uses different criteria for filing rates in each state, so let’s take a look at the auto insurance companies that tend to be cheaper in California.
Cheapest Insurance Rates in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,226 |
| 4 | Nationwide | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | GEICO | $1,513 |
| 11 | Allied | $1,556 |
| 12 | Progressive | $1,558 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,623 |
| 15 | State Farm | $1,699 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,026 |
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USAA normally has some of the best car insurance rates in Bakersfield at around $1,109 annually. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA would also make the list of some of the more affordable Bakersfield, CA car insurance companies.
As shown above, if you are currently insured with Nationwide and switched to Wawanesa, you might achieve a yearly price reduction of in the vicinity of $45. Policyholders with CSAA might save as much as $53 a year, and 21st Century policyholders might cut rates by $198 a year.
To see how much you can save, click here to start your custom quote or visit any of the companies below.
Bear in mind that those premiums are averages for all ages of drivers and types of vehicles and do not factor in an exact vehicle garaging location for uninsured drivers. So the company that is most affordable for your situation may not even be in the top 24 companies in the list above. That point stresses why you need to compare prices as often as possible using your own driver data and vehicle information.
One of the more important criteria that are used to help calculate the amount you pay for auto insurance is the neighborhood you call home in Bakersfield. Areas with more people or more claims tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents tend to receive cheaper rates.
The following table shows the most expensive areas in California for uninsured drivers to buy car insurance in. Bakersfield is ranked #22 with a yearly premium of $1,353 on average, which is approximately $113 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,745 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,610 |
| 8 | Stockton | $1,556 |
| 9 | Santa Clarita | $1,548 |
| 10 | Riverside | $1,542 |
| 11 | Fontana | $1,535 |
| 12 | Modesto | $1,532 |
| 13 | Garden Grove | $1,508 |
| 14 | Moreno Valley | $1,506 |
| 15 | Santa Ana | $1,483 |
| 16 | Anaheim | $1,474 |
| 17 | Fresno | $1,457 |
| 18 | San Jose | $1,423 |
| 19 | Irvine | $1,371 |
| 20 | San Diego | $1,368 |
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Annual rates are estimated as the specific garaging location can lower or raise price quotes noticeably.
Types of discounts on Bakersfield car insurance rates
Insurance companies that provide coverage for uninsured drivers may also give you special discounts that can lower rates by as much as 30% if you can meet the requirements. Large auto insurance companies and their offered discounts can be read below.
- Farm Bureau includes discounts for multi-policy, renewal discount, safe driver, 55 and retired, and driver training.
- MetLife may offer discounts for multi-policy, good driver, defensive driver, claim-free, and good student.
- Progressive offers premium reductions for good student, homeowner, continuous coverage, multi-vehicle, multi-policy, and online signing.
- AAA may include discounts for multi-policy, pay-in-full, good student, multi-car, good driver, anti-theft, and education and occupation.
- American Family offers discounts including TimeAway discount, good driver, accident-free, defensive driver, Steer into Savings, early bird, and good student.
- GEICO may have discounts that include seat belt use, air bags, anti-theft, five-year accident-free, and good student.
- State Farm policyholders can earn discounts including safe vehicle, defensive driving training, driver’s education, multiple policy, anti-theft, good student, and passive restraint.
The example below illustrates the comparison of yearly insurance costs with and without discounts. The premiums are based on a male driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with marriage, defensive driving course, multiple vehicle, safe-driver, claim-free, and anti-theft discounts applied. When discounts are applied, theamount saved on auto insurance for uninsured drivers is 28% or $695.
The diagram below highlights how deductible selection can raise or lower insurance premiums when quoting cheap insurance for uninsured drivers. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $416 a year by switching from a $100 deductible to a $500 deductible, or save $626 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, can cut as much as $1,398 each year by choosing a larger deductible amount. When increasing deductibles, it is necessary to have additional savings on hand to enable you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
How to find the cheapest insurance for uninsured drivers
The list below details some penny-pinching ideas that can help Bakersfield drivers locate more affordable auto insurance.
- Full coverage may not be needed on older vehicles
- Be a safe driver
- Claim-free drivers earn discounts
- Raise physical damage deductibles
- Maintain a safe distance and avoid accidents
- Compare rate quotes often
The last tip is particularly significant, as we noted in the prior article. Car insurance prices fluctuate constantly, so you should be ready to change to a new company if a lower price can be found. Loyalty to a specific company is fine, but is isn’t recommended if that loyalty results in overpaying a small fortune year after year. If you have a few minutes, shop around to find cheaper insurance for uninsured drivers in Bakersfield.
If you would rather get some professional advice when shopping for cheaper insurance for drivers with no prior coverage, the insurance agencies listed below are a good start to answer your questions and help you decide which coverages you need.
To locate an agency close to you, click the button at the bottom.
- Farmers Insurance – E Bob White
3811 Auburn St – Bakersfield, CA 93306 – (661) 871-3000 - Covermax Insurance Agency Inc.
1910 E California Ave – Bakersfield, CA 93307 – (661) 363-0645 - California Canyon Insurance Agency
B, 4900 California Ave #210 – Bakersfield, CA 93309 – (661) 377-2978