Cheapest & Best Renters Insurance In Bakersfield 2025
CSAA offers the most affordable renters insurance in Bakersfield, CA, with an average cost of around $9 per month. However, many consider Farmers to be the top choice in the area.
We’ve saved shoppers an average of $200 per year on their renters insurance.
CSAA provides the most affordable renters insurance in Bakersfield, with monthly rates averaging around $9. Meanwhile, Farmers delivers the best customer service and online experience, though it comes at a higher cost of about $19 per month.
Known as the Country Music Capital of the West Coast, Bakersfield sees over 14,000 property crimes annually, affecting roughly 34 out of every 1,000 residents. With crime rates this high, having renters insurance is a wise decision. It safeguards your personal belongings, offers financial protection, and ensures peace of mind.
Cheapest Renters Insurance Companies In Bakersfield
If you’re looking for budget-friendly renters insurance in Bakersfield, CSAA offers the lowest rates, averaging around $9 per month. To help you compare options, the table below highlights the five most affordable providers.
| Company | Average Monthly Cost |
| State Farm | $12 |
| Mercury | $14 |
| Nationwide | $10 |
| CSAA | $9 |
| Travelers | $11 |
Best Renters Insurance Companies In Bakersfield
CSAA is a great option for renters in Bakersfield who want low-cost insurance. However, the most affordable choice doesn’t always mean the best coverage. In my view, Farmers is the top pick for renters insurance in the area. Although it has a higher monthly cost, it stands out with excellent customer ratings and a seamless online experience through its website and app. Plus, Farmers offers multiple discounts, allowing renters to get quality coverage at a reasonable price.
| Company | Average Monthly Cost |
| Allstate | $23 |
| Assurant | $27 |
| State Farm | $12 |
| Chubb | $24 |
| Farmers | $19 |
Average Cost Of Renters Insurance In Bakersfield
Renters insurance in Bakersfield usually costs about $24 per month or $288 per year. However, your actual price may differ based on factors like your coverage amount, location, deductible, and the insurer’s pricing structure. The table below shows the average rates from five top providers in the area.
| Company | Average Monthly Cost |
| State Farm | $16 |
| Chubb | $28 |
| Assurant | $30 |
| Allstate | $25 |
| Farmers | $21 |
Average Cost Of Renters Insurance In Bakersfield By Deductible
A deductible is the amount you pay out of pocket before your renters insurance kicks in to cover a claim. Choosing a higher deductible can lower your monthly premium, while a lower deductible typically means higher monthly costs. The table below illustrates how renters insurance rates in Bakersfield change based on different deductible options.
| Deductible Amount | Average Monthly Cost |
| $250 | $24 |
| $500 | $23 |
| $1,000 | $21 |
| $1,500 | $19 |
| $2,000 | $18 |
Factors That Impact Renters Insurance Costs In Bakersfield
Several factors influence the cost of renters insurance in Bakersfield:
Location: If you live in an area with high crime rates or a greater risk of natural disasters like wildfires or floods, your insurance premiums may be higher.
Claim History: Filing multiple claims can make insurers view you as a higher risk, which often results in increased rates.
Credit Score: Many insurers consider your credit score when setting rates, with lower scores typically leading to higher premiums.
Coverage Limits: Policies that include extensive coverage, such as replacement cost protection or identity theft coverage, generally cost more.
Home Safety Features: Installing security systems, smoke detectors, or sprinkler systems can help lower risks and may qualify you for discounts.
Deductible Amount: Choosing a higher deductible can reduce your monthly premium, while a lower deductible increases costs since the insurer takes on more risk.
Common Causes Of Loss In California
Renters in California frequently file claims for theft, fire, water damage, and other losses. Understanding these risks can help tenants select the right coverage to protect their belongings and finances.
Water Damage
Leaks from plumbing, burst pipes, or roof issues can lead to costly repairs. While standard renters insurance generally covers internal water damage, flood-related losses typically require a separate flood insurance policy.
Theft
With over 14,000 property crimes reported annually in Bakersfield and more than 700,000 across California, renters insurance provides vital protection. Many policies also include liability coverage if someone is injured during a break-in, although damage to vehicles or the building itself is typically excluded.
Wildfires
Given California’s geography and climate, wildfires pose a serious risk. Most renters insurance policies exclude wildfire damage, and some insurers have stopped offering wildfire coverage due to the growing threat. Wildfire coverage can be secured through the FAIR Plan, but it tends to be expensive.
Fire
In multi-unit buildings, fires can spread quickly, causing significant losses. Renters insurance helps cover the cost of replacing personal belongings damaged by fire.
Earthquakes
Bakersfield is vulnerable to earthquakes due to the region’s seismic activity. Renters insurance usually doesn’t cover earthquake damage, so you’ll need to purchase separate earthquake coverage to protect your property from earthquake-related losses.
Other Covered Losses
Renters insurance can also cover vandalism, accidental damage, and certain natural disasters, offering extra financial security.
By understanding these risks, renters can make informed decisions and choose a policy that offers the best protection for their needs.
Our Methodology
To evaluate renters insurance providers, we looked at key factors like pricing, coverage options, claims handling, and customer service. Our analysis involved collecting quotes from various insurers in Bakersfield for standard policies offering $20,000 in personal property coverage and $100,000 in liability protection.
We also considered different deductible options, coverage for risks such as floods and earthquakes, and discounts for bundling renters and auto insurance. Customer satisfaction was a crucial element, and insights from sources like J.D. Power and Consumer Reports helped us identify insurers with a reputation for reliable service and efficient claims processing.
Furthermore, we took into account risks specific to Bakersfield—such as theft and water damage—that can affect coverage needs. By considering all these factors, our guide provides a comprehensive comparison of renters insurance options in California.
Quotes Analyzed
Brands Reviewed
Research Hours
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About Bob Phillips
