4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Bakersfield, CA (January 2022)

  • Personalized quotes in 5 minutes or less
  • No signup required
1 Insurance
Last Updated: January 2022

Over 384,000 people call Bakersfield home, and the primary mode of transportation is driving. Yes, the city has its peculiar points, like its oil production and taste for pickled tongue, but there's nothing weird about saving money on car insurance.

More than 92 percent of Bakersfield households own cars. With that many people speeding up and down the road like they're trying to get a spot at Kern County Raceway Park, finding the right auto insurance is a golden part of living in the Golden State.

SafetyOutlineWhy you can trust Insurify

Insurify partners with the best car insurance companies in the U.S. to provide a tailored car insurance comparison experience. To date, we’ve delivered over 35 million quotes from both national and regional companies to over 4 million customers. Check out reviews from over 3000 satisfied customers.

Car Insurance in Bakersfield, CA

The average cost of California car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Bakersfield, CA to find you the cheapest quotes in the area.
$71
$83
$116
$141
GEICOState FarmNationwideMercury

Cheapest Car Insurance in Bakersfield, CA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Bakersfield, CA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Bakersfield. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$117
$149
$100
$100
$132
$103
CaliforniaLos AngelesSan DiegoSan JoseSan FranciscoBakersfield
Click here to learn about car insurance quotes and save on your current policy.

Bakersfield, CA Driving Facts

california

Minimum Car Insurance Requirements in CA

California effected a number of new traffic laws for 2018, including legislation on DUI policies for rideshare service drivers, seat belts on public transport, and smoking or ingesting cannabis in moving vehicles. Most significantly, a change in the California Department of Motor Vehicle's road rehabilitation and maintenance program signals that registration or renewed registration of a motor vehicle will now come with a fee of $25 to $175.

California's minimum liability car insurance limits are as follows:

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

Bakersfield Car Insurance Rates by Driver Age

As demonstrated by the data below, young drivers cost more to insure—even in California’s Country Music Capital. Why are younger drivers charged a higher rate than other motorists? Statistics reveal that this age group is more prone to risky driving behavior and accidents than drivers even a decade older. While teen drivers and drivers in their 20s pay $411 and $248 in insurance, respectively, insurance rates drop to $170 for motorists in their 30s.

Driving History
No Violation$206
Speeding Ticket$261
At-Fault Accident$220
Failure to Stop for Red Light / Stop Sign$268

Bakersfield Car Insurance Rates by Driving and Accident History

It pays to keep a clean driving record in Bakersfield—even after you establish your policy. Some people don’t realize that risky driving behavior can change their insurance rates, even after signing up for their policy. Since insurance companies check your driving record both when you establish your policy and at renewal time, there’s no getting around it if you’ve added a violation or accident to your record. Your rates will go up. While drivers without any offenses pay just $205 on average in monthly insurance premiums, drivers caught speeding pay $260.

Bakersfield Car Insurance Rates by Credit Tier

Insurance companies in most states use credit-based insurance scoring to help predict whether a driver will make a claim. Those who manage their money effectively (as demonstrated by a higher score) are less likely to cost car insurance companies money. For this reason, underwriters assign less risk to drivers with higher scores than to drivers whose credit scores are questionable. In Bakersfield, monthly car insurance premiums for drivers with an average credit score average $142.

Bakersfield, CA DMV Information

Bakersfield has six field offices to serve you. They're all open Monday through Friday, 8 a.m. to 5 p.m. There are the Bakersfield, Bakersfield Southwest, Shafter, Delano, Arvin, and Alturas locations to help you with licensing, plates, records, registration, testing, and other services.

Public Transportation in Bakersfield, CA

Most folks in Bakersfield drive, but the city also has public transportation. Amtrak provides rail services, and Golden Empire Transit (GET) buses people around the city and gives paratransit to eligible riders. Kern Transit connects folks with routes throughout the county. Don't have time for the bus? Rideshare services such as Uber and Lyft and carpool service through Waze are also available. Traditional taxis like Silver Taxi and Bakersfield Taxi will get you where you need to go. And if you want to bike around, CSUB Runner Ride offers a bikeshare.

Find local Bakersfield agents

Wilson, Paves & Associates Insurance Agency
5001 California Ave Ste 150, Bakersfield, CA 93309-0750
Tolman & Wiker Insurance Services, LLC
5001 California Avenue, Suite 150, Bakersfield, CA 93309
Newfront Insurance Services, LLC
PO Box 20956, Bakersfield, CA 93390
Fallgatter Rhodes Insurance Services, Inc.
1701 G Street, Bakersfield, CA 93301
Heffernan Insurance Brokers
7702 Meany Ave. #102, Bakersfield, CA 93308
Walter Mortensen Insurance / INSURICA
8500 Stockdale Hwy, Suite 200, Bakersfield, CA 93311
DiBuduo and DeFendis Insurance Agency, Inc.
5601 Truxton Ave., Suite 210, Bakersfield, CA 93309
El Dorado Insurance Agency, Inc.
P.O. Box 81918, Bakersfield, CA 93380-1918
Saber Insurance Agency
8120 Rosedale Hwy Suite 100, Bakersfield, CA 93312
Stockdale Insurance Agency Inc.
1675 Chester Ave Ste. 310, Bakersfield, CA 93301

Insurify Insights: How Bakersfield Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Bakersfield, CA
suspended licenses
#23
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Bakersfield drivers measure up to their fellow California motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Bakersfield

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Bakersfield drivers rank 172 in the number of car accidents per driver across all cities in California.

  • Rank within state: #172
  • Percent of drivers in Bakersfield with an accident: 9.54%
  • Drivers in Bakersfield, CA with an accident in their driving history paid on average 35.67% more than drivers with a clean record

Speeding in Bakersfield

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, Bakersfield drivers rank 28 in the number of speeding infractions per driver.

  • Rank within state: #28
  • Percent of drivers in Bakersfield with a speeding ticket: 10.07%
  • Drivers in Bakersfield, CA with a speeding ticket in their driving history paid on average 39.49% more than drivers with a clean record

DUI/DWIs in Bakersfield

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Bakersfield drivers rank 49 in the number of DUI’s per driver across all cities in California.

  • Rank within state: #49
  • Percent of drivers in Bakersfield with a DUI: 3.14%
  • Drivers in Bakersfield, CA with a DUI in their driving history paid on average 30.57% more than drivers with a clean record

Most Popular Vehicle in Bakersfield

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Bakersfield is the Honda Civic.

Rude Drivers in Bakersfield

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, Bakersfield drivers rank 9 in rude driving infractions.

  • Rank within state: #9
  • Percent of drivers in Bakersfield with a reckless driving violation: 3.67%
  • Drivers in Bakersfield, CA with a reckless driving violation in their driving history paid on average 41.4% more than drivers with a clean record.

Safest Drivers in Bakersfield

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Bakersfield drivers rank 68 in clean driving records across all cities in California.

  • Rank within state: #68
  • Percent of drivers in Bakersfield with clean record: 78.72%

Failure to Yield the Right of Way in Bakersfield

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Bakersfield drivers rank 20 in failure to yield violations per driver across all cities in California.

  • Rank within state: #20
  • Percent of drivers in Bakersfield with a failure to yield violation: 0.37%
  • Drivers in Bakersfield, CA with a failure to yield violation in their driving history paid on average 900% more than drivers with a clean record

Reckless Drivers in Bakersfield

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, Bakersfield drivers rank 39 in the number of reckless driving offenses per driver.

  • Rank within state: #39
  • Percent of drivers in Bakersfield with a reckless driving offense: 0.1%

Hybrid/Electric Vehicle Ownership in Bakersfield

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Bakersfield drivers rank 203 in hybrid and electric vehicle ownership across all cities in California.

  • Rank within state: #203
  • Percent of drivers in Bakersfield with a hybrid/electric vehicle: 0.92%

How to get the best and cheapest car insurance in Bakersfield, CA

With year-round sunshine, it’s no wonder inhabitants of Bakersfield want to hop in the car. While you're enjoying that sun, you might as well get an auto insurance price that makes you strut like a Hart Park peacock. Try Insurify to get the best rates and compare dozens of insurance quotes in just a few seconds.

When more than 15 percent of drivers on California roads have no insurance, it's smart to protect yourself. Use Insurify to score a car insurance deal sweeter than the milkshakes at Dewar's Candy Shop.


FAQs - Bakersfield, CA Car Insurance

Why is car insurance so expensive in Bakersfield?

Over one out of seven drivers in California has no insurance. Irresponsible people drive up the cost for everyone. Insurers adjust the premium to meet the level of risk.

How can I get the cheapest car insurance in Bakersfield?

Opt for the state minimum coverage. It's the least amount of protection California law allows. If you're financing your car, the lender may require comprehensive and collision coverage. In that case, to reduce your bill, increase your deductibles to the most you can afford out of pocket if a wreck happens.

Who offers the cheapest car insurance in Bakersfield?

Car insurance prices vary by city, company, and driver. If you need rates tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and snag the coverage you deserve at a price you can afford.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


Full starFull starFull starFull starFull star
3691 Reviews

Insurify is rated 4.8 out of 5 based on 3691 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!