For drivers in Bakersfield, one of the big factors that are used to help calculate the price you pay for insurance is where you call home. More populated areas tend to have higher rates, whereas more rural areas can boast about having cheaper rates.
The illustration below shows the most costly cities in California to buy auto insurance in. Bakersfield comes in at #21 with a yearly cost of $1,353 for coverage, which is around $113 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,121 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,745 |
| 5 | Sacramento | $1,720 |
| 6 | San Bernardino | $1,596 |
| 7 | Fontana | $1,581 |
| 8 | Santa Clarita | $1,580 |
| 9 | Long Beach | $1,562 |
| 10 | Stockton | $1,556 |
| 11 | Garden Grove | $1,524 |
| 12 | Fresno | $1,517 |
| 13 | Moreno Valley | $1,506 |
| 14 | Modesto | $1,502 |
| 15 | Riverside | $1,497 |
| 16 | Anaheim | $1,488 |
| 17 | Santa Ana | $1,453 |
| 18 | San Jose | $1,423 |
| 19 | Fremont | $1,403 |
| 20 | Huntington Beach | $1,360 |
| 21 | Bakersfield | $1,353 |
| 22 | Irvine | $1,330 |
| 23 | San Diego | $1,327 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,298 |
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Price information shown is estimated as zip code location can influence coverage prices greatly.
Since we know where Bakersfield ranks on price, determining which company offers the cheapest auto insurance rates in Bakersfield will require a tad more effort than just picking a company at random. Each company uses a slightly different approach to determine premium rates, so let’s look at the rankings for the auto insurance companies with the most affordable rates in Bakersfield.
It’s important that you understand California auto insurance rates are based on many factors that can increase the price you pay. Improving your credit score, having a teenage driver, or having an accident can produce rate changes resulting in some rates now being more affordable than others.
Find the Cheapest Auto Insurance in Bakersfield
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,181 |
| 3 | CSAA | $1,186 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | Progressive | $1,512 |
| 10 | GEICO | $1,529 |
| 11 | Mercury | $1,533 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,682 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,006 |
| Find Your Rate Go | ||
USAA may offer some of the lowest car insurance rates in Bakersfield at around $1,143 per year. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the most economical Bakersfield, CA auto insurance companies.
In the rate table above, if you are a policyholder with Century National and switched to Wawanesa, you may realize yearly savings of approximately $45. Drivers with Nationwide might save as much as $82 a year, and 21st Century insureds might reduce prices by as much as $185 a year.
If you want to see how much you could save, click here to start your custom quote or visit several of the following companies.
Be aware that those rates are averages for all drivers and vehicles and do not factor in a specific zip code in Bakersfield. So the car insurance company that can offer you the best rate may not even be in the top 24 companies shown above. That point stresses why you need to get auto insurance quotes using your own driver information and specific vehicle type.
The make and model of vehicle requiring insurance is probably the biggest factor that determines if you can find the best car insurance in Bakersfield. Vehicles with economical engines, an excellent safety record, or a track record of few liability claims will cost significantly less to insure than adrenaline junky models.
The next table presents coverage prices for a selection of the cheaper automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $878 |
| Jeep Wrangler Sport 4WD 2-Dr | $912 |
| Honda Accord EX 4-Dr Sedan | $1,006 |
| Ford Escape Limited 2WD | $1,027 |
| Chevrolet Equinox LS AWD | $1,040 |
| Toyota RAV4 4WD | $1,050 |
| Toyota Camry XLE | $1,093 |
| Toyota Corolla XLE | $1,101 |
| Toyota Prius | $1,112 |
| Jeep Grand Cherokee Limited 2WD | $1,122 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,114 |
| Toyota Tacoma 4WD | $1,127 |
| Ford Edge SE 2WD | $1,180 |
| Kia Optima EX | $1,187 |
| Toyota Camry Hybrid | $1,197 |
| Volkswagen Jetta S 4-Dr Sedan | $1,189 |
| Dodge Grand Caravan Crew | $1,212 |
| Chevrolet Malibu LT | $1,219 |
| Honda Odyssey EX W/Rear Entertainment | $1,248 |
| Chevrolet Impala LTZ | $1,253 |
| Start Your Quote Go | |
Table data assumes 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, multi-policy, homeowner, and multi-vehicle. Prices do not factor in specific garaging location which can affect price quotes considerably.
Based upon the table data, you can see that cars like the Honda CR-V, Jeep Wrangler, Honda Accord, and Ford Escape are most likely going to be a few of the cheaper vehicles to insure for drivers in Bakersfield.
Tickets and at-fault accidents raise rates
In a perfect world, the best way to enjoy the cheapest car insurance prices in California for drivers in Bakersfield is to drive carefully and avoid traffic citations and accidents. The example below demonstrates how speeding tickets and at-fault accidents drive up insurance rates for different categories of driver ages. The rates are based on a married female driver, full coverage, $500 deductibles, and no discounts are applied.
The data above shows the average cost of an auto insurance policy in Bakersfield per year with a clean driving record and no accidents is $1,598. Receive one speeding ticket and the average cost rises to $1,862, an increase of $264 each year. Then throw in one accident along with the one speeding ticket and the annual cost of car insurance in Bakersfield jumps again to an average of $2,597. That’s an increase of $999, or $83 per month, just for not driving carefully!
How to get discounts on Bakersfield insurance rates
Insurers that offer quotes in Bakersfield may provide premium discounts that could lower prices by as much as 35% if you are eligible to receive them. Popular car insurance companies and the discounts they provide are outlined below.
- State Farm offers discounts for multiple autos, safe vehicle, driver’s education, Steer Clear safe driver discount, defensive driving training, passive restraint, and Drive Safe & Save.
- Farmers Insurance includes discounts for business and professional, switch companies, multi-car, early shopping, alternative fuel, and pay in full.
- Progressive has discounts for multi-vehicle, continuous coverage, online signing, multi-policy, good student, homeowner, and online quote discount.
- GEICO policyholders can earn discounts including seat belt use, membership and employees, emergency military deployment, air bags, anti-theft, and five-year accident-free.
- Auto-Owners Insurance has savings for multiple vehicles, anti-theft, good student, air bags, and safe vehicle.
- The Hartford offers discounts including air bag, good student, bundle, anti-theft, and vehicle fuel type.
- Farm Bureau may have discounts that include multi-policy, good student, youthful driver, renewal discount, safe driver, and driver training.
- USAA discounts include new vehicle, defensive driver, military installation, family discount, driver training, and multi-vehicle.
The example below illustrates the comparison of auto insurance rates with and without discounts applied to the policy rates. The costs are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with claim-free, multiple policy, marriage, anti-theft, vehicle safety, and multiple vehicle discounts applied. In this example, theaverage yearly reduction on car insurance in Bakersfield is 28% or $516.
The Bakersfield auto insurance agencies shown below can answer your questions and help you decide which auto insurance policy would work best for you, since some people have coverage questions and would like to have a consultation when buying car insurance in Bakersfield. It can be difficult to find the best rates on your own, so professional agents can provide you satisfaction knowing your policy gives you sufficient protection if you have a claim.
To locate a Bakersfield insurance agent close to where you live, click the button at the bottom of the list or click here to get price quotes now.
William K Lyons Agency Inc
2100 F St # 200 – Bakersfield, CA 93301 – (661) 327-9731
NSE Insurance Agencies, Inc.
5330 Office Center Ct # 69 – Bakersfield, CA 93309 – (661) 327-0620
California Insurance Specialist
1601 New Stine Rd # 100 – Bakersfield, CA 93309 – (661) 397-3944
More Bakersfield, CA insurance agents
Tips for buying low-cost car insurance in Bakersfield
The list below details many thrifty solutions that can help you get cheaper auto insurance.
- Drop full coverage on older vehicles
- Improve your credit rating
- Buy a safer vehicle
- Do not get into accidents
- Avoid getting tickets or violations
- Higher deductibles save money
- Compare prices frequently to find the best deal
The last tip is extraordinarily valuable, as was pointed out in the article above. Coverage rates can change considerably in a year, so don’t be tentative to buy from a new company if a better rate can be found. Loyalty to a specific company is fine, but it isn’t a good idea if your bullheadedness ends up costing you money that could be spent on other things. In just a few minutes you could shop around to find cheaper auto insurance in Bakersfield in Bakersfield.