Affordable Car Insurance Rates in Bakersfield, CA (2024)
Car insurance rates in Bakersfield, CA are $301/month on average. By law, California drivers need to carry at least 15/30/5 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Bakersfield car insurance companies to get the coverage you need at the best rates available.
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Tonya Sisler
Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Content Team Lead
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The annual number of car thefts in Bakersfield is 2,777.
- The cheapest car insurance company in Bakersfield for teen drivers is USAA
- Average car insurance rates in Bakersfield, CA are $301/month
Average car insurance rates in Bakersfield, California are $301 a month. But with a little research you can get a great deal from the top car insurance companies in Bakersfield, CA. Before you buy Bakersfield, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.
It may even be helpful to compare Bakersfield car insurance rates with San Diego car insurance rates, Long Beach car insurance rates, or San Jose car insurance rates to make sure you’re getting the best Bakersfield, CA car insurance quotes available.
Need affordable Bakersfield, CA car insurance? Enter your ZIP code to compare Bakersfield car insurance quotes from multiple car insurance companies near you.
Bakersfield, CA Minimum Car Insurance Coverage
Bakersfield, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Bakersfield, CA Car Insurance Rates by Coverage Level
Some Bakersfield drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Bakersfield, California car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,166 | $4,471 | $4,653 |
| Farmers | $4,579 | $4,943 | $5,197 |
| Geico | $2,374 | $2,637 | $2,814 |
| Liberty Mutual | $2,593 | $2,824 | $2,983 |
| Nationwide | $4,005 | $4,545 | $4,848 |
| Progressive | $2,657 | $3,057 | $3,190 |
| State Farm | $3,924 | $4,428 | $4,706 |
| Travelers | $2,820 | $3,332 | $3,585 |
| USAA | $2,428 | $2,731 | $2,876 |
Bakersfield, CA Car Insurance Rates by Age, Gender, and Marital Status
Bakersfield, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Bakersfield, CA car insurance, get quotes from multiple car insurance companies in the Bakersfield area and see how these criteria affect your rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,879 | $2,883 | $2,082 | $2,109 | $7,859 | $9,876 | $3,689 | $4,065 |
| Farmers | $2,661 | $2,661 | $2,399 | $2,399 | $8,505 | $13,958 | $3,155 | $3,515 |
| Geico | $1,615 | $1,617 | $1,520 | $1,520 | $4,908 | $4,995 | $2,319 | $2,373 |
| Liberty Mutual | $2,133 | $2,011 | $1,991 | $1,924 | $4,596 | $4,922 | $2,393 | $2,428 |
| Nationwide | $3,140 | $2,997 | $2,751 | $2,593 | $7,984 | $8,816 | $3,747 | $3,700 |
| Progressive | $1,861 | $1,915 | $1,582 | $1,877 | $4,958 | $5,975 | $2,687 | $2,888 |
| State Farm | $3,426 | $3,426 | $3,061 | $3,061 | $6,313 | $7,831 | $3,793 | $3,911 |
| Travelers | $2,425 | $2,348 | $2,142 | $2,120 | $5,001 | $5,702 | $3,148 | $3,080 |
| USAA | $1,921 | $1,820 | $1,873 | $1,882 | $4,371 | $4,395 | $2,655 | $2,510 |
Bakersfield, CA Car Insurance Rates for Teens
How much is Bakersfield, California car insurance for teens? Compare rates from top Bakersfield car insurance companies below to help find the cheapest teen car insurance in Bakersfield, CA.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,859 | $9,876 |
| Farmers | $8,505 | $13,958 |
| Geico | $4,908 | $4,995 |
| Liberty Mutual | $4,596 | $4,922 |
| Nationwide | $7,984 | $8,816 |
| Progressive | $4,958 | $5,975 |
| State Farm | $6,313 | $7,831 |
| Travelers | $5,001 | $5,702 |
| USAA | $4,371 | $4,395 |
Bakersfield, CA Car Insurance Rates for Seniors
Before seniors buy Bakersfield, California car insurance, they should make sure to shop around. Some Bakersfield, CA car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,082 | $2,109 |
| Farmers | $2,399 | $2,399 |
| Geico | $1,520 | $1,520 |
| Liberty Mutual | $1,991 | $1,924 |
| Nationwide | $2,751 | $2,593 |
| Progressive | $1,582 | $1,877 |
| State Farm | $3,061 | $3,061 |
| Travelers | $2,142 | $2,120 |
| USAA | $1,873 | $1,882 |
Bakersfield, CA Car Insurance Rates by Driver History
How does a single speeding ticket affect your Bakersfield, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Bakersfield.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,664 | $4,491 | $7,070 | $3,495 |
| Farmers | $3,626 | $4,939 | $6,155 | $4,906 |
| Geico | $1,825 | $2,813 | $3,532 | $2,263 |
| Liberty Mutual | $2,430 | $3,254 | $2,940 | $2,575 |
| Nationwide | $3,117 | $3,996 | $6,756 | $3,996 |
| Progressive | $1,941 | $3,301 | $3,830 | $2,799 |
| State Farm | $3,106 | $3,704 | $6,995 | $3,605 |
| Travelers | $2,166 | $3,534 | $4,096 | $3,187 |
| USAA | $1,780 | $2,648 | $4,337 | $1,949 |
Bakersfield, CA Car Insurance Rates With a DUI
Even a single DUI can increase your Bakersfield, CA car insurance rates. Compare rates below to see which Bakersfield car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,070 |
| Farmers | $6,155 |
| Geico | $3,532 |
| Liberty Mutual | $2,940 |
| Nationwide | $6,756 |
| Progressive | $3,830 |
| State Farm | $6,995 |
| Travelers | $4,096 |
| USAA | $4,337 |
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Bakersfield, CA Car Insurance Rates by ZIP Code
Just like Bakersfield car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Bakersfield, CA car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 93301 | $5,125 |
| 93304 | $5,075 |
| 93305 | $5,071 |
| 93306 | $4,913 |
| 93307 | $5,020 |
| 93309 | $4,922 |
| 93311 | $4,927 |
| 93312 | $4,661 |
| 93313 | $4,955 |
Bakersfield, CA Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Bakersfield, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Bakersfield companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,989 | $4,872 |
| Farmers | $4,452 | $5,361 |
| Geico | $2,370 | $2,847 |
| Liberty Mutual | $2,569 | $3,031 |
| Nationwide | $3,944 | $4,988 |
| Progressive | $2,693 | $3,243 |
| State Farm | $4,194 | $4,511 |
| Travelers | $2,922 | $3,569 |
| USAA | $2,468 | $2,888 |
Bakersfield, CA Cheapest Car Insurance Rates
How do the top Bakersfield, California car insurance companies’ average rates stack up against the Bakersfield average monthly car insurance rates of $301? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Geico |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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Bakersfield, CA Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Bakersfield, California car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,430 |
| Farmers | $4,906 |
| Geico | $2,608 |
| Liberty Mutual | $2,800 |
| Nationwide | $4,466 |
| Progressive | $2,968 |
| State Farm | $4,353 |
| Travelers | $3,246 |
| USAA | $2,678 |
Other Factors Affecting Bakersfield, CA Car Insurance Rates
Before you buy Bakersfield, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Bakersfield, CA Car Theft Rates
The car theft rate in Bakersfield, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Bakersfield, California is 2,777 stolen cars.
Bakersfield, CA Commute Time
How does your Bakersfield, CA commute time compare with the average driver? In Bakersfield, the average commute is 23.0 minutes.
Bakersfield, CA Traffic
Spending time in Bakersfield traffic can lead to higher car insurance rates. According to INRIX data, Bakersfield, CA ranks as the 208th-most congested with traffic in the world.
Bakersfield, CA Car Insurance Quotes
Compare Bakersfield, CA car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tonya Sisler
Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Content Team Lead
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.