Cheapest Car Insurance Quotes In Bakersfield, CA For 2024

In Bakersfield, GEICO is the most affordable choice, with an average monthly rate of $32.

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Updated: 01 April 2024
Written by
Bob Phillips
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When searching for the most budget-friendly car insurance in Bakersfield, California, you’ll encounter various options. However, GEICO stands out for its competitive pricing. On average, residents can obtain car insurance for approximately $32 per month, significantly lower than the state’s average of $167.

For individuals interested in the most affordable liability-only coverage, GEICO is the top choice. On the other hand, those desiring more comprehensive protection will find that GEICO provides the best rates for full coverage policies, priced at $95 per month. While State Farm offers the cheapest rates for young drivers, coming in at $240 per month.

Cheapest Car Insurance Companies In Bakersfield, CA

Cheapest Car Insurance, Bakersfield, CA

Our Methodology

Utilizing a comprehensive analysis that considers various aspects including customer service ratings, product offerings, pricing, and a thorough examination of multiple online review platforms and user feedback, I've developed a detailed understanding of the car insurance provider landscape in Bakersfield, California. This perspective is well-informed, drawing from over 15 years of active engagement in the industry as a licensed insurance agent. It encompasses numerous interactions with representatives from different companies and insights gained from firsthand experiences.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Bakersfield, CA?

GEICO provides the most affordable car insurance in Bakersfield, CA, with coverage available for $132 per month.

As illustrated in the table below, rates are notably lower than the average rates in both California and the entire United States:

Area Average Monthly Rate
National $152
California $167
Bakersfield, CA $132

It’s important to note that the national average cost incorporates a wide range of states, including high-cost ones like New York, New Jersey, and California, as well as low-cost states such as Mississippi, Kentucky, and Wyoming. Rates are subject to variation based on numerous factors including vehicle type, coverage amount, zip code, driving history, and more.

Cheapest Car Insurance Rates In Bakersfield For Young Adults

For young adults in Bakersfield, State Farm provides the most budget-friendly quotes, with rates averaging around $240 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $240 $2,876
GEICO $242 $2,917
Kemper $257 $3,020
Allstate $264 $3,119
Travelers $278 $3,214

In California, young adult drivers usually enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a decrease in risk-taking behaviors as drivers mature.

Statistically, young adults are less prone to file claims with insurance companies, indicating a reduced involvement in accidents. As a result, insurers lower premiums, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Bakersfield For Minimum Coverage

GEICO stands out as the most affordable car insurance company for minimum coverage in Bakersfield, boasting an average monthly cost of $32.

Provider Average Monthly Cost Average Annual Cost
GEICO $32 $384
Progressive $42 $500
Mercury $43 $514
State Farm $48 $574
Kemper $49 $581

The minimum car insurance requirement in California is 15/30/5, which means your policy must include:

  • $15,000 for bodily injury per person
  •  $30,000 for bodily injury per accident
  •  $5,000 for property damage per accident

Having minimum car insurance provides some protection while driving, but it doesn’t cover collision or comprehensive insurance. This means damages to your own vehicle in accidents or other incidents like theft and natural disasters won’t be covered.

Driving without insurance is illegal in California. Failing to provide proof of insurance during a traffic stop can lead to various penalties, including fines, license suspension, or more severe consequences.

Cheapest Car Insurance Rates In Bakersfield For Full Coverage

GEICO offers the most affordable car insurance rates for full coverage in Bakersfield, with an average quote of $95 per month.

Provider Average Monthly Cost Average Annual Cost
Progressive $97 $1,286
GEICO $95 $1,141
Mercury $103 $1,238
Allstate $110 $1,314
State Farm $111 $1,326

Full coverage car insurance provides comprehensive protection beyond the basic coverage required by law. This type of insurance usually combines comprehensive and collision coverages.

Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters. Meanwhile, collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of fault.

Cheapest Car Insurance Rates In Bakersfield For Seniors

State Farm offers the most budget-friendly car insurance rates for seniors in Bakersfield, with an average quote of $85 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $85 $1,040
GEICO $92 $1,095
Progressive $93 $1,107
Mercury $101 $1,213
Allstate $104 $1,249

In California, numerous seniors may benefit from advantageous car insurance rates, influenced by various favorable factors. While age often plays a role in insurance rate calculations, with older age sometimes linked to reduced driving ability, this stereotype doesn’t apply universally.

Cheapest Car Insurance Rates In Bakersfield For Teenagers

Teenage drivers in Bakersfield can secure the most affordable quotes from State Farm, with average monthly premiums of $309.

Provider Average Monthly Cost Average Annual Cost
State Farm $309 $3,741
GEICO $319 $3,832
Kemper $327 $3,921
Travelers $354 $4,112
Allstate $380 $4,591

Teenage drivers typically encounter the highest car insurance premiums, primarily due to their lack of experience on the road. Insurance providers categorize these young drivers as high-risk because they statistically have a higher likelihood of being involved in accidents and committing traffic violations.

Cheapest Car Insurance Rates In Bakersfield For Good Drivers

In Bakersfield, good drivers can access the most affordable car insurance quotes from GEICO, averaging around $32 per month.

Provider Average Monthly Cost Average Annual Cost
GEICO $32 $384
Progressive $42 $500
Mercury $43 $514
State Farm $48 $574
Kemper $49 $581

In Bakersfield, drivers with clean driving records usually enjoy lower car insurance rates because they’re seen as lower risk. Insurance companies assess driving records to gauge how safely individuals drive. Fewer incidents such as accidents or traffic violations indicate cautious driving behavior, reducing the likelihood of filing a claim.

Insurers determine rates based on the probability of a driver making a claim. A pristine driving record translates to substantial savings on premiums. It boils down to risk assessment: the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.

Cheapest Car Insurance Rates In Bakersfield For Drivers With Prior Incidents

In Bakersfield, drivers with records of traffic violations, such as accidents, speeding tickets, or DUIs, often encounter challenges in securing affordable car insurance. These driving infractions prompt insurance companies to classify them as high-risk, anticipating a higher likelihood of future insurance claims.

As a result, insurance providers raise their rates for these individuals to offset the risk of potential higher claim payouts.

Cheapest Car Insurance Rates In Bakersfield For Drivers With A Speeding Ticket

State Farm stands out for its affordability compared to other companies, offering average rates of $174 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $174 $2,099
Travelers $241 $2,842
Geico $320 $3,894
Allstate $329 $4,012
Progressive $368 $4,477

Cheapest Car Insurance Rates In Bakersfield For Drivers With An At-Fault Accident

State Farm provides the most budget-friendly car insurance quotes for drivers with an at-fault incident, averaging around $192 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $192 $2,375
Travelers $259 $3,218
Geico $265 $3,242
Progressive $400 $4,897
Allstate $555 $6,717

Cheapest Car Insurance Rates In Bakersfield For Drivers After A DUI

State Farm offers the most economical rates for drivers with a DUI in Bakersfield, with average monthly premiums of $188.

Provider Average Monthly Cost Average Annual Cost
State Farm $188 $2,319
Travelers $269 $3,286
Progressive $319 $3,623
Geico $337 $4,042
Allstate $407 $5,059

Best Car Insurance Companies In Bakersfield

When selecting a car insurance provider in Bakersfield, it’s essential to consider both affordability and dependable coverage. Below are the top 10 car insurance companies in Bakersfield, CA, ranked by the average monthly rate they offer:

Company Monthly Premium
California Capital $180
Progressive $90
GEICO $93
National General $101
Mercury $157
USAA $150
Allstate $108
State Farm $109
Capital Insurance Group $118
Nationwide $120

Average Car Insurance Rates By Age In Bakersfield

Age Average Yearly Rate
Teenagers $3,188
20s $2,220
30s $1,608
40s $1,320
50s $1,560
60s $1,560
70s $1,740

Age plays a crucial role in determining car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. As drivers reach the age of 25, their rates typically begin to decrease, assuming they maintain a clean driving record.

The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies use age as a metric to assess driving experience and risk potential, thereby adjusting the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Bakersfield

Vehicle Average Monthly Rate
Chevrolet Impala $95
Honda Odyssey $78
Mitsubishi Outlander $93
Nissan Versa $250
Hyundai Sonata $65

The type of vehicle you own significantly affects your car insurance expenses. Insurance companies consider factors such as the make, model, year, and body type of the car. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to result in higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may lead to lower premiums. Insurers take these factors into account because they directly impact the potential cost of claims. For example, repairs for a high-end car are generally more expensive than for a standard vehicle. Moreover, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In California?

City Average Monthly Rate
Jurupa Valley $140
San Diego $126
Anderson $123
Culver City $160
Fresno $132
Pleasanton $124
Lynwood $160
Norwalk $147
Redlands $143
Lancaster $181

The city you live in has a substantial influence on your car insurance rates. Insurance companies evaluate numerous factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban areas. This heightened risk frequently results in higher premiums.

FAQs

Who has the lowest car insurance rates in Bakersfield?

GEICO provides the lowest car insurance rates in Bakersfield for both the minimum coverage required by the State of California and for full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Bakersfield?

The average cost of car insurance in Bakersfield is approximately $132 per month. However, rates can vary based on factors such as your zip code, the year and model of your car, your driving record, and other relevant details.

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