Compare the Cheapest Car Insurance Quotes in Bakersfield, CA

2022

The Cheapest and Best Car Insurance in Bakersfield

The Cheapest Car Insurance Companies in Bakersfield

MoneyGeek found the following companies offer the cheapest wide coverage policies in Bakersfield :

• Esurance: $959 per year
• Progressive: $1,092 per year

For drivers with a military background, USAA is besides one of the cheapest options, with an average annual cost of $ 1,092. In Bakersfield, Esurance offers the cheapest car policy at $ 598 less per annum than Travelers, the most expensive car insurance company in the city, with an average price of $ 1,557 per year. Full coverage includes collision policy and comprehensive coverage ; the sum of liability you choose determines the price .

Cheapest Car Insurance in Bakersfield

Full Coverage 100/300/100

• company 100/300/100

  per year

• 1 .Esurance

  $959

• 2 .USAA

  $1,092

• 3 .Progressive

  $1,092

• 4 .GEICO

  $1,131

• 5 .AAA

  $1,149

• 6 .MetLife

  $1,171

• 7 .Allstate

  $1,220

• 8 .Mercury

  $1,310

• 9 .State Farm

  $1,445

• 10 .Hartford

  $1,448

• 11 .Farmers

  $1,497

• 12. Allied

  $1,518

• 13 .Travelers

  $1,557

For this analysis, MoneyGeek collected the average rate for a 40-year-old male driver with a entire coverage policy in Bakersfield, in accordance with our methodology. While a full coverage policy is more expensive than a policy with California ’ s minimum required coverage, it ’ sulfur surely more valuable as it protects you against wrong to your vehicle by including collision policy and comprehensive coverage .

• Comprehensive Coverage: Pays for the repair or replacement of your vehicle after it’s damaged in an incident or stolen.
• Collision Insurance: Covers the cost of loss or damage to your vehicle in case of an at-fault accident.

People with older cars may not want a broad coverage policy because it could cost more than the car ’ s respect. alternatively, they can buy a minimum coverage policy or liability-only indemnity .

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Cheapest Car Insurance in Bakersfield for Minimum Coverage

A minimum coverage policy is the cheapest car indemnity option in Bakersfield. MoneyGeek found the follow companies offer, on average, the most low-cost minimal coverage :

• GEICO: $454 per year
• Progressive: $460 per year

USAA offers a cheaper minimal coverage policy for the military at $ 446 per annum. The cheapest company in Bakersfield for a minimum coverage policy is GEICO. Farmers offers the most expensive minimum coverage policy at $ 774. Farmers ’ policyholders pay $ 320 more than GEICO ’ randomness. While minimum coverage is the cheapest, it may not be best because it has moo levels of liability coverage and does not include comprehensive examination and collision indemnity, making you less protected. See the board below to understand how much higher levels of indebtedness coverage monetary value .

Cheapest Minimum Liability Car Insurance in Bakersfield

submit Minimum

• party State Minimum

  per year

• 1 .USAA

  $446

• 2 .GEICO

  $454

• 3 .Progressive

  $460

• 4 .AAA

  $508

• 5 .Esurance

  $525

• 6 .Mercury

  $534

• 7 .MetLife

  $586

• 8 .Travelers

  $614

• 9 .State Farm

  $681

• 10 .Allstate

  $685

• 11. Allied

  $688

• 12 .Hartford

  $692

• 13 .Farmers

  $774

California requires an car indemnity policy with $ 15,000 per person and $ 30,000 per accident worth of bodily injury liability coverage and property damage liability coverage worth $ 5,000 per accident. A minimum coverage policy is cheaper and helps you save money, but you have to pay more out of scoop after an accident. For exercise, if your accident results in $ 20,000 in damages for the other car, the policy policy pays $ 5,000 — you pay the rest : $ 15,000 .

California Minimum Liability Requirements

• token description
• Bodily Injury and Property Damage $ 15,000 per person, $ 30,000 per accident and $ 5,000 for property damage. A more protective level is 100/300/100 .

Cheapest Car Insurance in Bakersfield if You Have Driving Violations

Driving violations like a DUI, speeding ticket or an at-fault accident can significantly increase the cost of car insurance. MoneyGeek found the comply brassy companies in Bakersfield, depending on driving trespass :

• Cheapest after a speeding ticket: Esurance, $1,213 annually on average
• Cheapest after an at-fault accident: Esurance, $1,493 annually on average
• Cheapest after a DUI: Mercury, $2,149 annually on average

Drivers with a military background and a accelerate ticket benefit the most from a policy with USAA. If you have a bad drive commemorate, you can improve it to find more low-cost rates in Bakersfield. Shop around, for now, to compare rates and find a policy for your needs .

Cheapest Car Insurance in Bakersfield With a Violation

Speeding ticket

• ship’s company Speeding Ticket

  per year

• 1 .USAA

  $1,194

• 2 .Esurance

  $1,213

• 3 .MetLife

  $1,515

• 4 .AAA

  $1,517

• 5 .GEICO

  $1,667

• 6 .Mercury

  $1,719

• 7 .Allstate

  $1,719

• 8 .Farmers

  $2,055

• 9 .Progressive

  $2,085

• 10 .State Farm

  $2,119

• 11. Allied

  $2,125

• 12 .Hartford

  $2,280

• 13 .Travelers

  $2,315

Average Cost of Car Insurance in Bakersfield

Bakersfield

$1,291

California

$1,429

U.S.

$1,424

The average annual car insurance in Bakersfield is $ 1,291, which is lower than both the state average and national average costs of cable car policy. Car indemnity policyholders living in Bakersfield pay 9.6 % less than the average annual monetary value of cable car policy in California, and 9.3 % less than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Bakersfield

car insurance companies take eminence of several factors that can affect your cable car indemnity rate. In accession to placement, assorted factors such as the driver ‘s age, the gain and model of the fomite and a person ‘s drive record are taken into circumstance. For exemplar, an Allstate policy for an 18-year-old driver in Bakersfield averages to $ 2,850. meanwhile, a 40-year-old driver in Bakersfield with Allstate may pay $ 1,220 for exchangeable coverage. Because individual factors, like age, variety over time, it ’ s a commodity idea to regularly request personalized quotes from respective cable car indemnity companies to check if you can qualify for a better rate .

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The Best Car Insurance Companies in Bakersfield

MoneyGeek ranked the best car policy companies in Bakersfield to help drivers find the right balance between cost and quality of service. Based on MoneyGeek ’ s findings, the best cable car indemnity companies in Bakersfield for most drivers are :

• AAA: MoneyGeek score of 90 out of 100
• GEICO: MoneyGeek score of 90 out of 100

USAA received the highest MoneyGeek score in Bakersfield and is the best available for eligible military members, veterans and their families. To calculate the concluding scores out of 100, MoneyGeek considered assorted factors, including J.D. Power drug user satisfaction, fiscal stability and affordability .
1

USAA

mark :

100

5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2

Auto Club of Southern California Insurance Group

score :

90

4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 3

GEICO

mark :

90

4/5 Affordability

3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 4

Wawanesa

score :

87.5

5/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A- fiscal constancy 5

State Farm

mark :

87.5

3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 6

Ameriprise

score :

85

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 7

Hartford

score :

85

3/5 Affordability 4/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 8

Progressive

score :

82.5

4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 9

Allstate

score :

82.5

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 10

Safeco

seduce :

80

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 11

CSAA

score :

77.5

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 12

Liberty Mutual

score :

77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 13

Farmers

score :

77.5

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 14

Mercury

score :

77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 15

Nationwide

score :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 16

Kemper

score :

70

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability

Average Cost of Car Insurance by Postal Code

Your residential address in Bakersfield affects your car policy rates. Different neighborhoods in California have unlike statistics when it comes to car-related crime, larceny and the number of traffic accidents per year. For exemplify, drivers living in the city ’ s most insurance-expensive region, 93309, will pay an average of $ 104 more in annual car policy premiums than drivers who live in ZIP code 93312 .

• Zip Code State Minimum

  per year

• 93312

  $1,229

• 93306

  $1,274

• 93307

  $1,330

• 93309

  $1,333

Factors That Impact Insurance Costs in Bakersfield

In addition to individual driver needs and history, location-specific factors like the share of uninsured motorists and the pace of fatal accidents besides contribute to car insurance rates in Bakersfield. How Bakersfield ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs . Most Accidents With Fatalities

197th

/ 300 Most cable car Thefts

303rd

/ 300 Most uninsured Motorists by State

12th

/ 50 personal Injury Protection Required No Most annual rain

301st

/ 300 Most showery Days

256th

/ 300

Methodology and Assumptions

MoneyGeek ’ randomness modal bounty rates for Bakersfield are based on 100/300/100 comprehensive examination collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and drive record. Learn more about MoneyGeek ’ south data and methodology here. About the writer

Mark Fitzpatrick is a aged content director with MoneyGeek specializing in indemnity. Mark has years of know analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a overlord of Arts .