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

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

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.

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.

Quick Facts

  • The average cost of car insurance in Bakersfield is $175 per month, or $2100 annually.
  • Car insurance in Bakersfield is $2 less than the average cost of car insurance in California.
  • The cheapest car insurance provider in Bakersfield on average is Mile Auto, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

GEICO
$71
State Farm
$83
Nationwide
$116
Mercury
$141

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!
Insurance Provider in BakersfieldQuotes
GEICO$71 /mo
State Farm$83 /mo
Nationwide$116 /mo
Mercury$141 /mo

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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.
Best CompaniesScoreQuotes
Clearcover97$136 /mo
Mercury81$181 /mo
21st Century80$144 /mo
Travelers80$160 /mo
National General58$170 /mo

Average Car Insurance Cost

California Cities
Los Angeles$195/mo
San Diego$172/mo
San Jose$210/mo
San Francisco$132/mo
Bakersfield$103/mo
California$162/mo
Bakersfield
$103
San Francisco
$132
Average for CA
$162
San Diego
$172
Los Angeles
$195
San Jose
$210
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in California

All motor vehicles operated or parked on California roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in California[1] are:

  • $15,000 per person for bodily injury
  • $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. California is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the 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.

Driver's AgeAvg. Monthly Cost
teens$412
20s$249
30s$171
40s$220
50s$215
60s$186
70s$152
80s$158

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.

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

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.

Credit TierAvg. Monthly Cost
Excellent$210
Good$149
Average$143
Poor$285

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
View more

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.

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

  • 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.
  • 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.
  • 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.

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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.

Insurify Insights

How Bakersfield Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Bakersfield, California below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Bakersfield drivers measure up to their fellow motorists across California in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Civic

Most Popular Car in Bakersfield

#28

City with the Most Speeding Tickets Rank in California

#69

City with the Most Moving Violations Rank in California

#49

City with the Most DUIs Rank in California

#35

City with the Most Suspended Licenses in California

  • 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 pay on average 35.67% more than drivers with a clean record
  • 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 pay on average 39.49% more than drivers with a clean record
  • 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 pay on average 30.57% more than drivers with a clean record
  • 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.

  • 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 pay on average 41.4% more than drivers with a clean record.
  • 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%
  • 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 pay on average 900% more than drivers with a clean record
  • 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%
  • 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%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. California Department of Motor Vehicles. "State Minimum Car Insurance." Accessed May 28, 2022