120+ more*Quotes generated for Insurify users in and around Bakersfield, California within the last 10 days. Last updated on August 8, 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 August 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Featured in
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
Bakersfield drivers pay a monthly average of $81 for minimum coverage and $174 for full coverage.
Drivers in larger California cities, like Los Angeles, pay higher average premiums than Bakersfield residents. It makes sense that Bakersfield residents pay lower rates than Los Angeles drivers, since Bakersfield has less traffic congestion, a lower population density, and shorter average commute times.
Drivers in more rural areas, like Tulare, pay even lower rates than the average in Bakersfield. Accident fatality rates tend to be higher in Bakersfield than in Tulare, which also has a lower population density and traffic congestion.
Fresno drivers have a similar average commute time as Bakersfield drivers and pay comparable premiums.
The state of California requires all drivers to purchase a minimum 30/60/15 insurance policy to pay for any bodily injury or property damage they cause in an accident.[1] Liability coverage is a bit cheaper in Bakersfield, at an average of $81 per month, compared to the statewide monthly average of $96.
Here are the cheapest rates for liability-only car insurance in Bakersfield.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $56 |
| Aspire General | $60 |
| GEICO | $61 |
| Sun Coast | $61 |
| Mercury | $63 |
| National General | $63 |
| Dairyland | $70 |
| Root | $74 |
| Direct Auto | $76 |
| Allstate | $78 |
| Farmers | $80 |
| Anchor | $82 |
| Bristol West | $86 |
| State Farm | $86 |
| Kemper Special | $90 |
| Travelers | $91 |
| 21st Century | $99 |
| Kemper Rsvp | $99 |
| First Acceptance | $133 |
| Chubb | $155 |
Liability quotes start at $56/mo.
About 34% of Bakersfield residents either lease or are paying off their car, according to Insurify driver data, and they must buy full-coverage insurance to protect their vehicle.
Even for the 66% of Bakersfield drivers who own their vehicles outright, it’s a good idea to purchase full coverage. Bakersfield has higher-than-average auto theft rates, and your car insurance company typically won’t cover auto theft outside of a full-coverage policy.
Below, you can see the cheapest full-coverage car insurance rates in Bakersfield.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $105 |
| Root | $116 |
| Mercury | $121 |
| GEICO | $122 |
| USAA | $125 |
| Kemper Special | $137 |
| Kemper Rsvp | $139 |
| Sun Coast | $144 |
| Anchor | $153 |
| Dairyland | $165 |
| National General | $168 |
| Allstate | $172 |
| Farmers | $177 |
| Bristol West | $184 |
| Direct Auto | $184 |
| State Farm | $191 |
| Travelers | $202 |
| 21st Century | $219 |
| First Acceptance | $293 |
| Chubb | $341 |
Compared to the rest of the state, Bakersfield drivers pay lower car insurance premiums. The average Bakersfield driver pays $81 per month for liability coverage, which is lower than the statewide average of $96.
Traffic can certainly be a problem in Bakersfield, but nowhere near as much as in nearby Los Angeles, which helps keep insurance costs reasonable. But alcohol-involved accidents are unfortunately common in Bakersfield. That, plus higher auto theft rates, likely increases the city’s overall average rates.
The following table shows average auto insurance quotes by California city.
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote |
|---|---|
| San Luis Obispo | $103 |
| Lompoc | $105 |
| Chico | $107 |
| Hanford | $107 |
| Ridgecrest | $107 |
| Santa Cruz | $108 |
| Redding | $110 |
| Santa Maria | $111 |
| Woodland | $111 |
| Tulare | $115 |
| Visalia | $115 |
| Campbell | $116 |
| Poway | $116 |
| Palm Desert | $117 |
| Santee | $117 |
| Santa Barbara | $118 |
| La Mesa | $121 |
| La Quinta | $121 |
| Pacifica | $121 |
| Napa | $122 |
| Hollister | $123 |
| Cathedral City | $124 |
| Petaluma | $124 |
| Chula Vista | $125 |
| Santa Rosa | $125 |
| Brentwood | $126 |
| Dublin | $126 |
| San Marcos | $126 |
| Vista | $126 |
| Saratoga | $127 |
| Yuba City | $127 |
| Fresno | $128 |
| Novato | $128 |
| San Diego | $128 |
| Temecula | $128 |
| Beaumont | $129 |
| San Clemente | $129 |
| Milpitas | $130 |
| Oceanside | $130 |
| Palm Springs | $130 |
| Lodi | $131 |
| Folsom | $132 |
| Hemet | $132 |
| Concord | $133 |
| Fremont | $133 |
| San Jose | $133 |
| San Ramon | $133 |
| Escondido | $134 |
| Lake Forest | $134 |
| Oxnard | $134 |
| Ceres | $135 |
| Palo Alto | $135 |
| West Sacramento | $135 |
| Camarillo | $136 |
| Fairfield | $136 |
| Redlands | $136 |
| Roseville | $136 |
| Aliso Viejo | $137 |
| Cupertino | $137 |
| National City | $137 |
| Menifee | $138 |
| Watsonville | $138 |
| El Cerrito | $139 |
| Elk Grove | $139 |
| Modesto | $139 |
| Santa Clara | $139 |
| Tracy | $139 |
| Citrus Heights | $140 |
| El Cajon | $140 |
| Laguna Niguel | $140 |
| Murrieta | $140 |
| Norco | $140 |
| Colton | $142 |
| Stockton | $142 |
| Wildomar | $143 |
| Placentia | $144 |
| San Mateo | $144 |
| Brea | $145 |
| Huntington Beach | $145 |
| Lathrop | $145 |
| Pittsburg | $145 |
| South San Francisco | $145 |
| Moreno Valley | $146 |
| Riverside | $146 |
| Thousand Oaks | $146 |
| Vallejo | $147 |
| Antioch | $148 |
| Chino | $148 |
| Hayward | $148 |
| Orange | $148 |
| Perris | $148 |
| Chino Hills | $149 |
| Corona | $149 |
| Cypress | $150 |
| Berkeley | $151 |
| San Leandro | $151 |
| Santa Ana | $151 |
| Newport Beach | $152 |
| Ontario | $152 |
| Irvine | $153 |
| Fountain Valley | $154 |
| Rialto | $154 |
| Sacramento | $154 |
| Hesperia | $155 |
| San Bernardino | $155 |
| Fontana | $157 |
| Garden Grove | $157 |
| Rancho Cucamonga | $157 |
| Victorville | $157 |
| La Mirada | $158 |
| Anaheim | $159 |
| San Pedro | $160 |
| Adelanto | $161 |
| Buena Park | $161 |
| Whittier | $162 |
| Azusa | $163 |
| Covina | $163 |
| La Puente | $163 |
| Simi Valley | $163 |
| Norwalk | $164 |
| Pomona | $165 |
| Torrance | $165 |
| Paramount | $166 |
| San Francisco | $166 |
| Diamond Bar | $167 |
| Long Beach | $168 |
| Oakland | $168 |
| Carson | $170 |
| Walnut | $172 |
| Cerritos | $174 |
| Lancaster | $174 |
| Richmond | $174 |
| Bell Gardens | $178 |
| Culver City | $179 |
| El Monte | $179 |
| Palmdale | $179 |
| Santa Clarita | $181 |
| Pasadena | $182 |
| Temple City | $184 |
| San Gabriel | $186 |
| Lynwood | $194 |
| Compton | $195 |
| Santa Monica | $197 |
| Inglewood | $200 |
| Burbank | $212 |
| Studio City | $217 |
| Los Angeles | $220 |
| Winnetka | $231 |
| Northridge | $240 |
| Reseda | $241 |
| West Hollywood | $246 |
| Glendale | $263 |
| Beverly Hills | $268 |
The Bakersfield-Delano metropolitan area ranks No. 34 in the country for most stolen cars during the first half of 2025, according to Insurify data. During 2024, the metropolitan area recorded more than 6,400 stolen vehicles. Auto insurers typically consider risk factors, like vehicle theft rates in your area, when determining car insurance premiums.
Drinking and driving is also common in Bakersfield, which contributes to higher auto insurance costs. In 2023, Bakersfield ranked No. 3 for alcohol-involved accidents and No. 1 for underage driving under the influence (DUI) accidents compared to similarly sized cities in the state, according to the California Office of Traffic Safety (OTS).[2]
*Quotes generated for Insurify users in and around Bakersfield, California within the last 10 days. Last updated on August 8, 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 August 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Getting car insurance coverage for a reasonable price can be trickier if you’ve got dings in your driving history in California. Here are the cheapest insurance companies for Bakersfield drivers, depending on your driving infraction:
Cheapest car insurance for Bakersfield drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Bakersfield: USAA
Cheapest car insurance for Bakersfield drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Bakersfield: USAA
In Bakersfield, 3.7% of Bakersfield drivers have a speeding ticket, 4% have an accident, and 0.85% have a DUI on their driving record, according to Insurify data.
California uses a negligent operator points system, assigning 0–3 points following driving violations. Speeding is typically a one-point violation, while a DUI is a two-point violation. If you get too many points during a one to three-year time period, the California DMV may issue you a warning letter or an order of license suspension.[3]
California is an at-fault state, so if you or someone driving your vehicle causes an accident, your auto insurer is responsible for the damages.
Here’s how much Bakersfield drivers pay for an insurance policy by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $128 |
| Speeding ticket | $163 |
| At-fault accident | $163 |
| DUI | $173 |
Unlike many other California communities, Bakersfield only has a minor flooding risk. But its dry climate makes it more vulnerable to wildfires, a major risk for people living outside the immediate urban area in Bakersfield.[4]
It’s a good idea to have a wildfire evacuation plan and purchase a full-coverage policy to protect your vehicle in the event of wildfire damage.
Drivers in the downtown Bakersfield area frequently have to compete for parking. You can find some extra security in safer off-street public parking garages, but three-quarters of downtown parking in Bakersfield is on-street.
Bakersfield drivers experience some traffic congestion and an average daily commute time of 23.6 minutes, which is much less than larger California cities like Los Angeles.
The average Bakersfield driver spends 34 hours per year stuck in traffic citywide, whereas Los Angeles drivers spend an average of 137 hours, according to a recent study by the Texas A&M Transportation Institute.[5]
Bakersfield has an average accident fatality rate but a much higher-than-average rate of drunk drivers involved in accidents, according to the California OTS. Some areas and roads are more dangerous than others in Bakersfield, with the following roads experiencing high collision rates:
23rd Street
24th Street
State Route 204
State Route 99
State Route 58
Niles Street
Baker Street
An insurance company will typically adjust your car insurance rates based on your ZIP code, so if you live near these Bakersfield roads, you might pay higher insurance costs. You should exercise extra caution in areas with more frequent traffic accidents.
Liability car insurance for Bakersfield teen drivers costs an average of $146 per month. This is much higher than the average liability insurance rate in Bakersfield of $81 per month.
Bakersfield ranked No. 1 in California for accidents with a drinking driver younger than 21, which likely makes insuring a teen in the city more expensive.
The table below shows the cheapest rates for teenage drivers in Bakersfield.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $102 |
| Aspire General | $108 |
| GEICO | $110 |
| Sun Coast | $110 |
| Root | $111 |
| Mercury | $114 |
| Dairyland | $121 |
| National General | $125 |
| Direct Auto | $147 |
| Bristol West | $151 |
| Allstate | $152 |
| Anchor | $156 |
| Farmers | $158 |
| Kemper Special | $162 |
| State Farm | $165 |
| 21st Century | $176 |
| Kemper Rsvp | $178 |
| Travelers | $187 |
| First Acceptance | $239 |
| Chubb | $316 |
Insurify partners with top insurers for real quotes
Bakersfield has fewer seniors than other communities. Only 11% of Bakersfield residents are 65 or older, compared to the U.S. average of 18%. Senior drivers in the city pay relatively affordable average premiums of $74 per month for liability insurance, compared to the city average of $81 per month.
Take a look at the cheapest liability rates for senior drivers in Bakersfield below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $47 |
| GEICO | $50 |
| National General | $51 |
| Mercury | $51 |
| Aspire General | $54 |
| Sun Coast | $55 |
| Dairyland | $61 |
| Direct Auto | $64 |
| Allstate | $65 |
| Farmers | $65 |
| Anchor | $68 |
| State Farm | $69 |
| Root | $70 |
| Bristol West | $74 |
| Travelers | $75 |
| 21st Century | $80 |
| Kemper Special | $82 |
| Kemper Rsvp | $90 |
| Chubb | $120 |
| First Acceptance | $121 |
Here’s some information to help you find the best car insurance coverage for the right price in Bakersfield.
Insurance companies in Bakersfield charge an average of $81 per month for minimum coverage and $174 for full coverage.
USAA offers the cheapest liability insurance for Bakersfield drivers, charging an average of $56 per month. Aspire General and GEICO are the next-cheapest insurance companies for liability insurance, charging respective monthly averages of $60 and $61. With an average monthly cost of $105, Aspire General is the cheapest insurer for full-coverage insurance in Bakersfield.
California residents pay a monthly average of $96 for liability insurance and $200 for full coverage.
Bakersfield has a high rate of auto thefts and a relatively large number of drunk drivers who get into accidents, both of which can increase rates for everyone in the city. That said, Bakersfield has an average rate of traffic fatalities and injuries, which helps moderate increases.
Living in Bakersfield won’t net you any discounts on its own. But your insurance agency probably offers common discounts for bundling different insurance products together (like auto and renters insurance) or staying claims-free. The state of California also offers a low-income auto insurance program if you’re having trouble affording the cost of standard coverage.
Insurify data scientists analyzed more than 250 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:
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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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
