Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Sep 16, 2020

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Can't-Miss Facts

  • California requires 15/30/5 minimum liability auto insurance coverage.
  • 21st Century and Allied offer auto insurance rates that are among the lowest in Bakersfield, CA.
  • The average cost of full coverage auto insurance in California is about $84 per month.
  • Auto insurance rates in Bakersfield, CA are anywhere from 25 percent to 50 percent lower than rates in Los Angeles.

California auto insurance lists its minimum liability coverage as 15/30/5. Drivers searching for cheap Bakersfield, CA auto insurance, will be able to find affordable premiums. Allied, 21st Century, Kemper Specialty, Mercury, and Nationwide rank as some of the best Bakersfield, CA car insurance companies. The 21st Century insurance company leads the way in offering Bakersfield, CA auto insurance at $56/month.

Are you one of the many drivers looking for cheap auto insurance quotes in Bakersfield, CA? We have what you need to lower your monthly premiums while getting the best available coverage in your area. Use our FREE quote tool to compare cheap auto insurance quotes in Bakersfield, California now or enter your ZIP code to find auto insurance in your local area.

California Auto Insurance Coverage Requirements

The city of Bakersfield has a long and storied past. Native Americans lived in the area for thousands of years until Spanish missionaries started exploring the site in the late 1700s. It was spared most of the tragedies of colonialism until the Mexican War of Independence sent settlers flocking to the region.

Watch this video to learn more about Bakersfield, CA.

The city was officially founded in the late 1800s and is a beacon of production and fossil fuel.

Fun fact: Did you know that this city has an entire sub-genre of country music named after it? Unsurprisingly, it’s called “Bakersfield Sound.”

Here are the requirements for California insurance, according to the California Department of Motor Vehicles.

CoverageRequirementsMost Common
Bodily Injury Liability15,000/30,000100,000/300,000
Property Damage Liability5,000100,000
Uninsured Motorist Bodily InjuryNot required20,000/40,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required250 deductible

Different types and amounts of coverage will work better for some vehicles than others. A newer, more expensive car will need extra, optional coverages like comprehensive and collision.

An older vehicle that wouldn’t cost much to repair/replace, on the other hand, might be sufficiently protected with liability auto insurance coverage only. It varies from one driver to another.

According to our research, many California drivers are paying $139 or more each month just to maintain coverage on their vehicles. We think that’s absurd.

 

Bakersfield, CA Average Monthly Auto Insurance Rates Legend: Bakersfield 21st Century Mercury Kemper Specialty Nationwide Allied 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 90 95 $56 $85 $97 $74 $64

Our research shows that Bakersfield residents like you could be paying nearly 59 percent less for your premiums if you know how to shop the right way.

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Cheap Auto Insurance in Bakersfield, CA

California is a big state, and Bakersfield is a big city. This means you have your pick of the litter when it comes to auto insurance options. There are some reasonably reliable Bakersfield, CA auto insurance companies out there such as Nationwide or Allied that are offering decent coverage at some pretty comfortable prices.

But don’t just accept the first recommendation that crosses your path – do your due diligence and make sure you find the right company at the right price for you.

Companies that offer California auto insurance policies may calculate your premiums based on factors like credit, age, marital status, or even the number of miles you drive each year.

If you are a responsible driver, you should take every opportunity to change these factors in your favor. But not all of them are so easy to control. It’s important to know what they are so that you can plan a strategy that will get you the most affordable Bakersfield, CA, auto insurance.

Major Factors in the Cheapest Auto Insurance in Bakersfield, California

Below, we’re going to discuss some of the most important things that your Bakersfield, CA, auto insurance company will want to know before they issue you a policy.

They need this information to figure out how risky a driver you are and how much they need to charge you for their services. The better your profile, the better your monthly rate.

Your ZIP Code

Well over 300,000 people are living in Bakersfield right now – 376,371 to be precise. With so many fellow residents driving their cars and sharing the road with you, it makes the likelihood of an accident frighteningly high.

Unfortunately, this is an aspect of your profile that you can’t necessarily control. Big cities tend to cost drivers more money in monthly premiums – and it’s not exactly easy to pick up and move just to pay a little bit less for your coverage.

California Average Monthly Auto Insurance Rate by City Legend: Bakersfield Los Angeles Oakland 21st Century Mercury Kemper Specialty 7 14 21 28 35 42 49 56 63 70 77 84 91 98 105 112 119 126 133 $56 $102 $59 $85 $108 $63 $97 $135 $68

 

Automotive Accidents

The odds that a Bakersfield resident will get into a fatal crash and perish are well below 1%. But that doesn’t mean there isn’t any risk at all.

This lower-than-average risk can help some motorists save money when they buy Bakersfield, CA, auto insurance, especially if they don’t drive that much in the first place.

Fatal Accidents in Bakersfield, CA Legend: Bakersfield Fatal Accidents Vehicles Involved in Fatal Accidents Fatal Crashes Involving Drunk Persons Fatalities Persons Involved in Fatal Crashes Pedestrians Involved in Fatal Crashes 7 14 21 28 35 42 49 56 63 70 $34 $56 $13 $36 $76 $12

 

Auto Thefts in Bakersfield

There were a total of 3,048 cars stolen in Bakersfield last year. That’s almost 805 vehicles per 100,000 residents. Many insurance companies may see this as a higher than average risk of auto theft.

Not only will they charge you more money for this, but they will charge you more money on top of that if they think your car is a high-profile target.

Prove them wrong by installing an anti-theft device and making sure you park your car somewhere safe at night like a garage or some other secured area.

 

Bakersfield, CA Average Monthly Basic vs. Comprehensive Auto Insurance Rates Legend: Basic Coverage Comprehensive Coverage 21st Century Mercury Kemper Specialty 15 30 45 60 75 90 105 120 135 150 165 180 195 210 225 240 255 270 $56 $132 $85 $172 $97 $279

 

Your Credit Score

Did you know that California is one of three states where it is legally forbidden for your car insurance company to use your credit score against you when determining premiums?

For people with credit problems, this can be a huge blessing. But for people with excellent credit, it can be a curse. Many car insurance companies hedge their bets by charging everyone across the board a little bit more money.

So someone was good credit may end up paying a little bit more than they usually would in another state, while someone with poor credit may not get a discount.

Your Age

Older drivers who have had their license for many years (and used it) are some of the least risky drivers in the eyes of an insurance company. Motorists in their thirties and forties tend to get the best age-related discounts, especially since most of them can do things like bundling their auto policy with homeowners’ insurance or other assets.

Young drivers, on the other hand, usually lack the experience and the decision-making necessary to avoid serious accidents. This makes them very expensive to insure.

Bakersfield, CA Average Monthly Auto Insurance Rates by Age Legend: 17 Year Old Driver 35 Year Old Driver 21st Century Mercury Kemper Specialty 20 40 60 80 100 120 140 160 180 200 220 240 $252 $56 Does Not Sell $85 $151 $97

 

Your Driving Record

If you haven’t had any tickets, accidents, or filed any auto insurance claims in the last three to five years, then you’ll have an opportunity to score some serious discounts.

If nothing in that previous sentence applies to you, don’t despair just yet. As we said, your insurance company is only allowed to evaluate the most recent years of your driving history.

Keeping your nose clean and your driving record spotless for as long as you can from this moment on will eventually scrub your record and give you opportunities to save.

Bakersfield, CA Average Monthly Auto Insurance Rates by Driving History Legend: Perfect Record Minor Violation Major Violation 21st Century Mercury Kemper Specialty 25 50 75 100 125 150 175 200 225 250 275 300 325 $56 $132 $163 $85 $149 $188 $97 $278 $344

 

Your Vehicle

Specific vehicles are riskier and more expensive to insure than others. This is a simple fact of life. An expensive sports car that most owners like to drive fast (and many thieves like to steal), for example, is going to have much higher premiums than a 2010 Toyota Corolla driven by a soccer mom.

Just remember one rule: the flashier and more expensive your vehicle is, the more you should expect to pay for your premiums.

Bakersfield, CA Average Monthly Auto Insurance Rates by Vehicle Make and Model Legend: 2015 Honda Accord 2015 Chevy Corvette 21st Century Mercury Kemper Specialty 15 30 45 60 75 90 105 120 135 150 165 180 195 210 $56 $203 $85 $219 $97 Does Not Sell

 

Minor Factors in Auto Insurance in Bakersfield, California

The factors we just finished discussing can have a potentially serious impact on how expensive your coverage will be. If there are parts of your profile that aren’t so appealing to your insurance provider, these minor factors could still help you save some money on Bakersfield insurance companies like Freeway Insurance and Personal Express Insurance.

Your Marital Status

In an ideal world, your relationship status shouldn’t be anybody’s business. But for your insurance company, it can be their business. This may work out in your favor if you happen to be married or involved in some other serious domestic partnership.

Not only can you bundle coverage on the same policy with your significant other, but being married in general makes car insurance companies think that you are less of a risk.

Find cheap Bakersfield, CA, auto insurance quotes right now. Just enter your ZIP code in the FREE comparison tool.

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Your Gender

If your gender has any effect at all on your car insurance rates, it is highly variable from one company to another. Some insurance providers don’t e factor gender in at all.

Still, others could charge you as much as 3 percent or more extra based on whether you are male or female. And the favorite sex will vary from one company to the next!

Your Driving Distance to Work

Working in Bakersfield means that you have short work commutes. The average driver will spend about 15 to 20 minutes behind the wheel on their way to work each day. Let’s take a look at the average annual auto insurance rates based on commute in California.

California Average Annual Auto Insurance Rates by Commute
CompaniesAverage Annual Rates for
10-Mile Commute
6,000 Miles Annually
Average Annual Rates for 25-Mile Commute
12,000 Miles Annually
USAA$2,482.96$2,906.28
Progressive$2,587.19$3,115.09
Geico$2,621.93$3,150.55
Liberty Mutual$2,786.10$3,284.23
Travelers$3,014.07$3,687.49
State Farm$4,049.89$4,355.54
Allstate$4,086.25$4,979.93
Nationwide$4,108.79$5,198.37
Farmers$4,535.69$5,462.84
Get Your Rates Quote Now

There’s also a decent population of carpoolers in the city, which reduces your likelihood of an accident.

Getting a better rate for your coverage can be easier said than done when it comes to reporting your mileage to your insurance agent. The average is about 15,000 miles per year for most drivers.

Going above or below that may get you a discount, but you may have to install a device in your vehicle to track those miles. If you guess wrong and you end up driving more miles than less, you could end up paying more money!

Your Coverage and Deductibles

If you’re worried about getting into an accident or if you have a history of collisions, you may want to keep your deductible low. Yes, this will cost you more money each month for your premiums, but it could be a lifesaver if you ever need to file a claim and get back on the road sooner rather than later.

You could also try putting a little extra money away in your savings just in case that high-deductible rainy day ever comes along.

Education in Bakersfield, CA

At least one-quarter of the adult population in Bakersfield has a high school diploma or a GED. That’s good news. The bad news is that another 20 percent have less education than that.

In many other categories, such as bachelor’s and master’s degrees, Bakersfield is significantly below the California average.

For better or worse, your insurance company will likely charge you more if they don’t think you have a good enough education. But well-educated drivers should be in store for a discount.

If you would like to improve your education, hopefully, for reasons that go beyond just lower Bakersfield, CA auto insurance rates, you have several options in Bakersfield. CSU has a Bakersfield campus that offers bachelor’s and master’s degrees to students.

Bakersfield College is another public option. There are private schools such as Kaplan College Bakersfield and San Joaquin Valley College, but these are for-profit institutions, so be wary.

Just because searching for a cheaper auto insurance rate is difficult doesn’t mean you shouldn’t do it. Not only can you save money by doing this, but you may be able to get as good or better coverage than what you are getting now.

All you have to do is let us know what ZIP code you live in, and we can take care of the hard work for you. You can start saving in a matter of minutes!

Enter your zip code below to view companies that have cheap auto insurance rates.

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How We Conducted Our Auto Insurance Analysis

We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.

Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Frequently Asked Questions: Bakersfield, CA Auto Insurance

We located a few frequently asked questions related to Bakersfield, CA car insurance, and answered them for you in this section. These questions appear on search engines across the internet, so we’ve added them here for your convenience.

If you want to skip the question and want to find “car insurance near me,” enter your ZIP code in the FREE comparison below to compare auto insurance in your area.

#1 – Who has the cheapest auto insurance in California?

Geico has the cheapest car insurance in California.

#2 – What is the average cost of auto insurance in California?

According to the National Association of Insurance Commissioners (NAIC), the average cost of California’s full coverage insurance is $1,004 per year or $84.

#3 – Is auto insurance cheaper in Texas than California?

No. The cost of insurance in Texas is $133 more expensive than California insurance.

#4 – Where can I get the cheapest full coverage auto insurance?

Geico, USAA, and State Farm have the cheapest full coverage auto insurance.

#5 – What are the worst insurance companies?

According to Consumer Reports, Esurance, Liberty Mutual, and Nationwide are the worst-rated auto insurance companies.