One of the many components that help determine the price you pay for insurance is where you keep your vehicle. Areas with high crime rates or more dense population will most likely pay more, whereas areas with lower crime rates and fewer weather claims benefit from lower rates.
The illustration below rates the priciest cities in California for police officers to purchase car insurance in. Bakersfield makes the list at #18 with an annual cost of $1,394 for the average policy, which is around $116 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,669 |
| 6 | Long Beach | $1,610 |
| 7 | Stockton | $1,603 |
| 8 | San Bernardino | $1,580 |
| 9 | Garden Grove | $1,554 |
| 10 | Riverside | $1,542 |
| 11 | Santa Clarita | $1,533 |
| 12 | Fontana | $1,519 |
| 13 | Moreno Valley | $1,506 |
| 14 | Fresno | $1,502 |
| 15 | Modesto | $1,487 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,430 |
| 18 | Bakersfield | $1,394 |
| 19 | San Jose | $1,381 |
| 20 | Huntington Beach | $1,360 |
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Rate information is comparative as the vehicle garaging location can influence price quotes significantly.
Establishing which insurers offer the most affordable car insurance rates for police officers may require a little more effort in order to find the most economical policy.
Every insurance provider uses a slightly different approach for determining prices, so let’s examine the car insurance companies that tend to have lower prices in Bakersfield, CA. It’s important that readers know that Bakersfield, CA car insurance rates are impacted by many things that can increase the cost of coverage. Simply improving your credit, adding a teenager to your policy, or having an at-fault accident may prompt premium changes that can make some companies much cheaper than others.
Best Car Insurance Prices for Law Enforcement
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Wawanesa | $1,146 |
| 2 | USAA | $1,155 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,213 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | Progressive | $1,512 |
| 11 | Allied | $1,556 |
| 12 | GEICO | $1,559 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,699 |
| 16 | Unitrin | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,795 |
| 20 | Farmers | $2,026 |
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Wawanesa may offer some of the cheapest car insurance rates in Bakersfield at around $1,146 annually. This is $505 less than the average rate paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide also rank well as some of the lowest-priced Bakersfield, CA insurance companies.
As shown above, if you currently have coverage with CSAA and switched to USAA, you could see savings of about $43. Drivers with Nationwide might save as much as $58 a year, and 21st Century customers might lower prices by $183 a year.
To get a quick, customized rate comparison, click here to start your custom quote or click several companies below for low rates.
Bear in mind that those premiums are averaged across all types of insureds and vehicles and are not factoring in an exact zip code location for police officers. So the auto insurance company that has the cheapest price for you may not even be in the list above. That helps illustrate why you need to compare prices as often as possible using your own personal information and vehicle type.
The vehicle model requiring coverage is probably the largest consideration when comparing economical auto insurance for police officers. Vehicles with more horsepower, poor safety features, or a track record of large liability claims will cost significantly more to insure than more modest models.
The information below features car insurance prices for a handful of the most cost-effective vehicles to insure in California.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $827 |
| Hyundai Elantra GLS Touring Station Wagon | $834 |
| Ford Escape Limited 2WD | $845 |
| Toyota Prius | $913 |
| Dodge Grand Caravan CV | $928 |
| Honda Odyssey EX W/Rear Entertainment | $958 |
| Toyota Camry LE | $977 |
| Volkswagen Jetta LE 4-Dr Sedan | $987 |
| Chevrolet Silverado LS Regular Cab 2WD | $979 |
| Honda Civic LX 4-Dr Sedan | $1,010 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,047 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,053 |
| Ford Fusion Sport AWD 4-Dr Sedan | $1,117 |
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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 claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in specific garaging location which can increase or decrease coverage rates significantly.
Looking at the rates, makes and models like the Honda CR-V, Hyundai Elantra, and Ford Escape will be some of the most budget-friendly vehicles to insure for law enforcement personnel.
Get discounts on Bakersfield car insurance
Auto insurance companies that offer quotes for police officers could also offer policy discounts that can reduce rates by 35% or more if you meet the requirements. Larger car insurance companies and their offered discounts are detailed below.
- American Family may have discounts that include accident-free, defensive driver, bundled insurance, TimeAway discount, air bags, good student, and mySafetyValet.
- State Farm offers discounts including good driver, multiple policy, accident-free, passive restraint, and multiple autos.
- 21st Century has discounts for good student, student driver, air bags, anti-lock brakes, and homeowners.
- Travelers discounts include early quote, new car, multi-car, payment discounts, home ownership, and good student.
- GEICO policyholders can earn discounts including multi-vehicle, good student, military active duty, membership and employees, air bags, federal employee, and defensive driver.
The diagram below visualizes the comparison of car insurance rates with and without some available policy discounts. The rate quotes are based on a female driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with claim-free, passive restraint, safe-driver, multiple policy, accident-free, and marriage discounts applied. With discounts applied, the average amount saved each year on car insurance for police officers is 28% or $608.
Safe drivers pay cheaper rates
One of the best ways to enjoy cheap car insurance prices in Bakersfield for law enforcement personnel is to be a cautious driver and avoid accidents and traffic citations. The illustration below illustrates how traffic citations and accident claims drive up auto insurance costs for different age groups. The information is based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of auto insurance in Bakersfield per year with a clean driving record and no accidents is $1,849. Receive one speeding ticket and the average cost increases to $2,088, an increase of $239 each year. Then add one accident along with the one speeding ticket and the 12-month cost of car insurance for police officers goes up to an average of $2,744. That’s an increase of $895, or $75 per month, just for a couple of infractions!
The diagram below demonstrates how choosing different deductibles can change insurance costs when researching cheap insurance for police officers. The data assumes a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
As shown above, a 50-year-old driver could pocket $300 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $456 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old, could potentially save up to $750 each year just by choosing higher deductibles.
When increasing deductibles, it will be required to have enough funds in savings to be able to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Why you should be shopping around
California car insurance rates are determined by lots of factors that may substantially change the cost of coverage. Improving your credit rating, buying a home instead of renting, or having an at-fault accident can trigger price changes that can make some companies cheaper than competitors. Not only may your situation change, but insurers amend pricing multiple times each year in order to maintain liquidity for claims. Higher than usual claims can cause higher rates, while lower claim levels can cause cheaper Bakersfield car insurance rates.
The bar chart below shows the company with the cheapest car insurance in Bakersfield, CA for a 40-year-old male driver with no prior claims, no tickets, and a decent credit rating. If we compare prices based on his current situation, USAA may offer the cheapest car insurance rates in Bakersfield at $1,178 each year. This is $473 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are also included in the cheapest Bakersfield, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from the first set of rates some claims, a little lower credit rating, and a few blemishes on his driving record. Since each insurance company uses their own method to set their prices, analyzing rates may now show a different ranking of the cheapest companies as shown below.
Mercury now has the best car insurance rate in Bakersfield, CA with Grange, Progressive, Allstate, and GEICO also having competitive pricing. This demonstrates why consumers need to shop around with many companies to find the lowest car insurance quotes for police officers. Rates consist of many factors and change frequently, so the most economical company two years ago may now be one of the higher cost companies.