Cheap Auto Insurance in Bakersfield, California (2026)
USAA offers the cheapest car insurance in Bakersfield, with minimum-coverage policies as low as $75 per month.
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Written byAnna Baluch
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Anna BaluchAuto and Home Insurance Writer
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Bakersfield drivers enjoy lower car insurance rates than drivers in many other California cities. On average, Bakersfield drivers pay $83 per month for a liability-only policy and $181 for full-coverage auto insurance, while California’s averages are $92 a month for liability only and $191 a month for full coverage.
Residents of Bakersfield may have lower premiums because of its lower population and lower crime rate compared to its neighbors in Los Angeles County.[1] Here’s what you need to know about finding cheap car insurance in Bakersfield.
Quick Facts
USAA, National General, and Sun Coast are the three cheapest insurers for Bakersfield drivers.
Car insurance companies in California can’t use your credit history when determining your premiums.[2]
California’s Low Cost Auto Insurance plan helps qualifying drivers find affordable car insurance.
Best car insurance companies in Bakersfield
The best car insurance depends on your budget, driving record, and car insurance coverage needs. It’s important to compare car insurance quotes from multiple companies to find the best one for you.
Best insurer for liability-only coverage: Mile Auto
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $70/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $119/mo |
4.5
Best choiceBased on 188 verified driver reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (65)
Leroy
Verified Review
Why was I canceled?
Reviewed in Texas on February 9, 2026
1/14/26: Liked what I saw and purchased Auto Insurance.
1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit.
1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled.
2/01/26: Relented.
2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26.
2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
Ronald
Verified Purchase
Monthly Insurance for the Price of Takeout
Reviewed in Ohio on January 11, 2026
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
Hiram
Verified Purchase
Try Them, Then You Will See
Reviewed in Tennessee on December 22, 2025
You won't know until you try them. They are good.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto specializes in pay-per-mile auto insurance, making it a good option for infrequent drivers in the market for low-cost car insurance. Unlike other insurance companies, it doesn’t offer other types of insurance or discounts.
Pros
Cheap rates for low-mileage drivers
Doesn’t use vehicle-tracking devices
Cons
No advertised discounts
No mobile app available
Best insurer for military members and veterans: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $171/mo |
4.9
Best choiceBased on 2,986 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,455)
Harvey
Verified Review
Overall Outstanding Service
Reviewed in Texas on February 18, 2026
Excellent and professional service. My minor complaint is that it is somewhat expensive.
John
Verified Review
No claims, tickets, etc. Low mileage on both vehicles, yet the price increased by $300 from last year.
Reviewed in Massachusetts on February 17, 2026
No claims, tickets, etc. Low mileage on both vehicles, yet the price increased by $300 from last year.
Ritchie
Verified Review
Need cheaper coverage
Reviewed in Arizona on February 17, 2026
I would like to have full coverage at a cheaper rate.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
747NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers auto insurance and a number of other insurance products to the military community, which includes active, retired, and reserve members and their families. While USAA’s lineup mainly consists of standard auto policies, it earned an AM Best rating of A++ (Superior) for its financial strength.
Pros
Offers usage-based insurance program
Accident forgiveness available
Cons
No gap insurance
Restrictive membership requirements
Best insurer for coverage options: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $116/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $261/mo |
4.0
Best choiceBased on 15,129 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (7,058)
John
Verified Review
Excellent
Reviewed in Indiana on February 19, 2026
I'm satisfied with my coverage so far.
Danton
Verified Review
Higher Auto Premium for Last 5 Years
Reviewed in New Jersey on February 19, 2026
Above average auto insurance premium even with no DWI, violation tickets, etc.!
Robert
Verified Review
State Farm Ripoff
Reviewed in Virginia on February 19, 2026
They set their policies to get more money from the customer. I have the discounts available on my policy, and they increase their fee every month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
658NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm has been in the auto insurance industry for more than 100 years and offers car, home, and life insurance. Customers can choose from a wide array of standard and non-standard insurance coverages and save some money on their premiums through a variety of discounts.
Pros
Strong financial strength ratings
Rideshare car insurance coverage available
Cons
No gap insurance
Must work with a local agent to purchase a policy
How to get the cheapest car insurance in Bakersfield
Coverage options, policy specifics, and other factors vary by car insurance company. Here’s how you can find affordable coverage in Bakersfield:
Shop around. Get quotes from at least three different companies to determine the most affordable option for your unique situation. Before you move forward with the cheapest insurer, research its customer satisfaction and financial strength ratings to make sure it’s a reputable company.
Look into usage-based insurance. If you’re retired or a remote worker and don’t drive often, pay-per-mile insurance is worth exploring. You’ll only pay for the miles you drive, plus a monthly base rate.
Look for discounts. Most auto insurers offer a variety of discounts. A few examples include bundling discounts, loyalty discounts, anti-theft device discounts, and safe driving discounts.
Drive responsibly. A driving history with speeding tickets, DUIs, and other incidents can raise your car insurance premiums. Be sure to drive safely at all times and follow traffic laws.
Cheapest liability-only car insurance in Bakersfield: USAA
You must have the minimum liability car insurance to drive legally in California. This type of coverage pays for the other driver’s property damage and injuries when you cause an accident. Because it’s the minimum amount of car insurance required to drive, it’s typically the cheapest auto policy type you can purchase in California. But a liability-only policy won’t cover your vehicle if it’s damaged in an accident you cause or if it’s stolen or vandalized.
The table below shows the cheapest liability-only car insurance companies in Bakersfield, California.
The below rates in Bakersfield, CA, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company  | Average Monthly Quote |
|---|---|
| USAA | $75 |
| National General | $80 |
| Sun Coast | $83 |
| Dairyland | $85 |
| Mercury | $90 |
| GEICO | $93 |
| Root | $96 |
| Allstate | $104 |
| Direct Auto | $107 |
| Farmers | $107 |
| Anchor | $109 |
| Bristol West | $110 |
| State Farm | $116 |
| Travelers | $122 |
| 21st Century | $133 |
| Nationwide | $163 |
| Chubb | $207 |
Disclaimer: Table data sourced from real-time Bakersfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bakersfield may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Bakersfield: Root
Full-coverage car insurance typically includes liability, collision, and comprehensive insurance. Your lender will likely require a full-coverage policy if you finance or lease your vehicle. Because full-coverage auto policies include more coverages, you can expect to pay more on average than you would with a liability-only policy.
Despite full-coverage insurance’s higher cost, you can start your search with the cheapest auto insurance companies in Bakersfield below.
The below rates in Bakersfield, CA, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Root | $167 |
| USAA | $171 |
| Mercury | $173 |
| GEICO | $182 |
| Anchor | $185 |
| Sun Coast | $206 |
| Dairyland | $212 |
| National General | $234 |
| Allstate | $235 |
| Farmers | $241 |
| Bristol West | $255 |
| State Farm | $261 |
| Travelers | $275 |
| Direct Auto | $282 |
| 21st Century | $300 |
| Nationwide | $369 |
| Chubb | $467 |
Disclaimer: Table data sourced from real-time Bakersfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bakersfield may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Bakersfield, California
Drivers in and around Bakersfield, California have found policies from Anchor, National General, State Farm, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Bakersfield, California within the last 10 days. Last updated on February 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Bakersfield, California within the last 10 days. Last updated on February 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in California
California is an at-fault — or tort — state, which means the at-fault driver must cover the damage and injuries they cause to drivers or passengers in another vehicle. The state requires drivers to carry bodily injury and property damage liability coverage, but drivers may purchase additional coverage for extra protection. Those who fail to show proof of insurance may face legal and financial consequences.
State lawmakers approved an increase in coverage limits, which will take effect Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all drivers need to carry:[3]
Coverage | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident | $30,000 per person / $60,000 per accident |
| Property damage liability | $5,000 per accident | $15,000 per accident |
Coverage beyond the minimum liability amounts is optional for drivers in Bakersfield, but they can add more protection in various situations. Here are some optional auto policies you might want to consider:
Comprehensive coverage
This protects you from non-accident incidents that damage your vehicle, like vandalism or hitting an animal.
Collision coverage
If your car needs repairs or a replacement after an accident with another vehicle or object, collision coverage will kick in, no matter who’s at fault.
Uninsured motorist coverage
Uninsured motorist coverage will come in handy if you get into an accident with an uninsured driver.
Medical payments coverage
Medical payments insurance is a lot like personal injury protection (PIP) coverage and can cover your medical bills after an accident, even if you’re responsible for it.
Gap coverage
If you have an auto loan, gap insurance can cover the difference between your loan balance and your insurance settlement after a total loss.
)
How Much Car Insurance Do You Need?
California’s low-cost auto insurance plan
California’s Low Cost Automobile Insurance program (CLCA) helps qualifying drivers afford car insurance. The eligibility requirements for the program are:
Have a valid California driver’s license
Meet income eligibility requirements
Own a vehicle valued at $25,000 or less
Be at least 16 years old
Have a good driving record or be a new driver
Liability auto insurance through the CLCA program costs $232 to $932 a year, depending on the county. However, drivers can purchase additional coverages like uninsured/underinsured motorist and medical payments insurance for an extra $37 to $107 a year. You can learn more and apply for the California car insurance program at MyLowCostAuto.com.
Find Car Insurance in Bakersfield
Liability policies start at $75/mo.
Excellent
4.7 out of 5 based on 11,952 reviews
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Cheapest car insurance for drivers with an incident
Incidents like at-fault accidents, speeding tickets, and driving under the influence (DUI) convictions on your record can have a significant effect on your car insurance premiums. Bakersfield drivers with clean records lock in the lowest premiums, and high-risk drivers typically pay higher rates. But even with a poor driving record, you may be able to find affordable car insurance for your coverage needs and budget.
Cheapest car insurance for drivers with a speeding ticket: USAA
Bakersfield reported 246 speed-related crashes that resulted in injuries or fatalities in 2020.[4] Because speeding can lead to accidents, speeding tickets often result in higher car insurance costs.
Bakersfield drivers with speeding tickets see average car insurance rates of $227 per month for full coverage and $104 for liability-only policies. Here are the cheapest minimum-coverage car insurance quotes for drivers with a speeding ticket in Bakersfield, California.
The below rates in Bakersfield, CA, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Record | With Ticket |
|---|---|---|
| USAA | $75 | $97 |
| National General | $80 | $100 |
| Sun Coast | $83 | $104 |
| Dairyland | $85 | $106 |
| Mercury | $90 | $125 |
| GEICO | $93 | $122 |
| Root | $96 | $128 |
| Allstate | $104 | $135 |
| Direct Auto | $107 | $134 |
| Farmers | $107 | $137 |
| Anchor | $109 | $136 |
| Bristol West | $110 | $138 |
| State Farm | $116 | $147 |
| Travelers | $122 | $158 |
| 21st Century | $133 | $175 |
| Nationwide | $163 | $211 |
| Chubb | $207 | $263 |
Disclaimer: Table data sourced from real-time Bakersfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bakersfield may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
In 2020, Bakersfield, California, reported almost 2,000 fatalities and injuries from car crashes.[4] If you’re responsible for an accident, you can expect to pay more for a car insurance policy in Bakersfield.
The average cost of car insurance in Bakersfield after an accident is $224 for full coverage and $103 for minimum coverage. But if you need affordable car insurance after causing an accident, start by comparing the cheapest companies in Bakersfield below.
The below rates in Bakersfield, CA, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Record | With Accident |
|---|---|---|
| USAA | $75 | $97 |
| National General | $80 | $103 |
| Sun Coast | $83 | $103 |
| Dairyland | $85 | $108 |
| Mercury | $90 | $132 |
| GEICO | $93 | $117 |
| Root | $96 | $124 |
| Allstate | $104 | $135 |
| Direct Auto | $107 | $142 |
| Farmers | $107 | $138 |
| Anchor | $109 | $138 |
| Bristol West | $110 | $140 |
| State Farm | $116 | $148 |
| Travelers | $122 | $159 |
| 21st Century | $133 | $175 |
| Nationwide | $163 | $212 |
| Chubb | $207 | $266 |
Disclaimer: Table data sourced from real-time Bakersfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bakersfield may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
California takes DUI offenses seriously, and the state could require SR-22 insurance after a DUI conviction. That’s why a DUI often results in fines, jail time, higher auto insurance premiums, and even auto policy non-renewal.[5] Because this conviction typically results in higher rates and makes you a high-risk driver, it can be difficult to find cheap car insurance with a DUI on your record.
On average, Bakersfield drivers with DUIs face monthly car insurance rates of $233 for full coverage and $107 for liability-only policies. Here are the cheapest car insurance companies in Bakersfield for drivers with a DUI.
The below rates in Bakersfield, CA, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Record | With DUI |
|---|---|---|
| USAA | $75 | $103 |
| National General | $80 | $110 |
| Sun Coast | $83 | $107 |
| Dairyland | $85 | $117 |
| Mercury | $90 | $130 |
| GEICO | $93 | $127 |
| Root | $96 | $134 |
| Allstate | $104 | $143 |
| Direct Auto | $107 | $147 |
| Farmers | $107 | $147 |
| Anchor | $109 | $150 |
| Bristol West | $110 | $151 |
| State Farm | $116 | $160 |
| Travelers | $122 | $168 |
| 21st Century | $133 | $172 |
| Nationwide | $163 | $224 |
| Chubb | $207 | $285 |
Disclaimer: Table data sourced from real-time Bakersfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bakersfield may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Compared to younger drivers, senior drivers have higher car accident mortality rates. Average rates typically decrease around age 35 and increase a bit around age 70 due to changes in eyesight, hearing, and reaction times.[6]
The average monthly cost of car insurance for senior drivers in Bakersfield is $162 for full coverage and $74 for liability-only policies. However, senior drivers experience lower average premiums in general and can find the cheapest quotes in Bakersfield from the companies below.
The below rates in Bakersfield, CA, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Mercury | $141 | $73 |
| USAA | $141 | $62 |
| Root | $142 | $82 |
| GEICO | $147 | $75 |
| Anchor | $153 | $90 |
| Dairyland | $184 | $74 |
| Sun Coast | $184 | $74 |
| National General | $187 | $64 |
| Allstate | $195 | $86 |
| Farmers | $195 | $87 |
| State Farm | $209 | $93 |
| Bristol West | $216 | $93 |
| Travelers | $224 | $99 |
| Direct Auto | $231 | $88 |
| 21st Century | $241 | $107 |
| Nationwide | $288 | $127 |
| Chubb | $360 | $160 |
Disclaimer: Table data sourced from real-time Bakersfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bakersfield may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
“Teenagers pay more for insurance because they cause a lot of damage and bodily injury as a result of car accidents,” says Earl Jones, insurance agent and owner of Earl L. Jones Insurance Agency. “They also have no history of driving that proves they are responsible behind the wheel.”
To lower their auto insurance costs, teens can stay on their parents’ insurance or take advantage of good student discounts that insurers offer. Bakersfield teens on their own policies see average rates of $335 per month for full-coverage car insurance and $154 for liability only. Here are the auto insurance companies with the lowest premiums for teenagers and young adults in Bakersfield.
The below rates in Bakersfield, CA, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Root | $292 | $168 |
| USAA | $320 | $140 |
| Mercury | $323 | $168 |
| Anchor | $328 | $193 |
| GEICO | $329 | $168 |
| Dairyland | $361 | $145 |
| Sun Coast | $381 | $154 |
| Bristol West | $460 | $198 |
| Allstate | $469 | $208 |
| National General | $478 | $164 |
| Farmers | $483 | $215 |
| State Farm | $511 | $227 |
| 21st Century | $547 | $242 |
| Direct Auto | $549 | $208 |
| Travelers | $575 | $255 |
| Nationwide | $728 | $322 |
| Chubb | $976 | $432 |
Disclaimer: Table data sourced from real-time Bakersfield car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bakersfield may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Bakersfield?
The average cost of a liability-only auto policy in the U.S. is $99 per month. Full-coverage insurance runs $174 per month, on average. Fortunately, car insurance in Bakersfield is usually cheaper than the national average.
Car insurance premiums vary by city and ZIP code within California, due to factors like population, accident rates, and theft rates.[7] For example, premiums in Anaheim, Long Beach, and Sacramento are higher than in Bakersfield.
More cities in California
Here’s a look at average monthly quotes for auto policies in other cities in California compared to Bakersfield.
City | Full Coverage | Liability Only |
|---|---|---|
| Anaheim | $206 | $107 |
| Fresno | $177 | $84 |
| Glendale | $373 | $183 |
| Long Beach | $231 | $114 |
| Los Angeles | $297 | $154 |
| Modesto | $193 | $94 |
| Oakland | $232 | $101 |
| Riverside | $199 | $96 |
| Sacramento | $208 | $103 |
| San Diego | $173 | $84 |
| San Francisco | $248 | $104 |
| San Jose | $189 | $88 |
Disclaimer: Table data is based on real-time Bakersfield quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Bakersfield car insurance FAQs
Explore how age and gender affect car insurance costs to better understand how insurers determine your premiums, and learn more about Bakersfield car insurance with the answers to common questions below.
How much is car insurance in Bakersfield?
The average cost of car insurance in Bakersfield is $83 a month for liability only and $181 a month for full-coverage insurance. Your costs may be more or less than the average based on factors like your age, gender, driving record, and the type of vehicle you drive.
What are the cheapest car insurance companies in Bakersfield?
USAA, National General, and Sun Coast are the cheapest insurers in Bakersfield. USAA’s liability-only rates start at $75 per month. National General, and Sun Coast have liability rates as low as $80 and $83 per month, respectively.
What are the best car insurance companies in Bakersfield?
Some of the best car insurance companies in Bakersfield are Mile Auto, State Farm, and USAA. These companies have strong customer satisfaction and AM Best ratings, as well as high Insurify Quality Scores. However, the best car insurance company for you depends on your coverage needs, driver profile, and budget, so it’s important to compare quotes from multiple companies before purchasing a policy.
Can credit history affect your car insurance rates in California?
No. Your credit history can’t affect your car insurance rates in California.[2] This means that if you have poor credit, you won’t pay more for auto insurance than someone with good credit, if all other factors are the same.
What happens if you drive without insurance in California?
California requires drivers to purchase 30/60/15 minimum car insurance requirements. Failure to maintain this coverage could result in citations, fines, vehicle registration suspension, vehicle impoundment, and personal financial liability for accidents you cause.[8]
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- U.S. Census Bureau. "QuickFacts: Bakersfield city, California."
- Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance."
- California DMV. "Auto Insurance Requirements."
- California Office of Traffic Safety. "Crash Rankings Results."
- III. "Do auto insurance premiums go up after a claim?."
- III. "Senior driving safety and insurance tips."
- III. "What determines the price of an auto insurance policy?."
- California DMV. "Insurance Requirements for Vehicle Registration."
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Anna BaluchAuto and Home Insurance Writer
Anna Baluch is a Cleveland-based expert insurance and personal finance writer. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart insurance decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.