Bakersfield drivers enjoy lower car insurance rates than drivers in many other California cities. On average, Bakersfield drivers pay $100 per month for a liability-only policy and $244 for full-coverage auto insurance, while California’s averages are $127 a month for liability only and $262 a month for full coverage.

Residents of Bakersfield may have lower premiums because of its lower population compared to its neighbors in Los Angeles County.^[1] Here’s what you need to know about finding cheap and affordable car insurance in Bakersfield.

Quick Facts

Bakersfield car insurance rates are 30% cheaper than Los Angeles and 6% cheaper than the state average.
Car insurance companies in California can’t use your credit score when determining your premiums.^[2]
California’s Low Cost Auto Insurance plan helps qualifying drivers find affordable car insurance.

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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

Liability-Only CoverageMile Auto

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3.4
A.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).	NR
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.	$62/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.	$114/mo

Overview

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 and cons

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

Military Members and VeteransUSAA

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	880
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.	$85/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.	$173/mo

Overview

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 A.M. Best rating of A++ (Superior) for its financial strength.

Pros and cons

Pros

Offers usage-based insurance program
Accident forgiveness available

Cons

No gap insurance
Restrictive membership requirements

Reviews

They are the best in customer service.

Brenda - September 13, 2023

Verified

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023

Verified

Great operation since I was a Lt.

raymond - September 7, 2023

Verified

Read our USAA review

Best insurer for coverage options: State Farm

Coverage OptionsState Farm

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.4
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	842
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.	$131/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.	$266/mo

Overview

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 and cons

Pros

Strong financial strength ratings
Rideshare car insurance coverage available

Cons

No gap insurance
Must work with a local agent to purchase a policy

Reviews

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023

Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023

Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023

Verified

Read our State Farm review

Cheapest liability-only car insurance in Bakersfield

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.

The table below shows the cheapest liability-only car insurance companies in Bakersfield, California.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Clearcover	62
Mile Auto	62
Infinity	77
Mercury	77
USAA	85
Safeco	96
National General	106
Dairyland	107
GEICO	114
Allstate	118
Farmers	122
State Farm	131
Travelers	138
Bristol West	139

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Bakersfield

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 are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Mile Auto	114
Clearcover	123
Mercury	138
Infinity	147
Safeco	161
USAA	173
National General	212
Travelers	220
GEICO	230
Allstate	238
Dairyland	246
Farmers	246
State Farm	266
Bristol West	287

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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.

Here are California’s minimum insurance requirements:^[3]

Coverage	Minimum Requirements
Bodily injury liability	$15,000 per person and $30,000 per accident
Property damage liability	$5,000 per accident

Important Information

California liability limits are increasing on Jan. 1, 2025, to 30/60/15. This translates to $30,000 per person and $60,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.^[4]

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? (2023)

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.

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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

Bakersfield reported 246 speed-related crashes that resulted in injuries or fatalities in 2020.^[5] Because speeding can lead to accidents, speeding tickets often result in higher car insurance costs. Here are the cheapest car insurance companies for drivers with a speeding ticket in Bakersfield, California.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Mile Auto	165
Clearcover	178
Mercury	199
Infinity	212
Safeco	232
USAA	250
National General	306
Travelers	318
GEICO	332
Allstate	344
Dairyland	355
Farmers	355
State Farm	384
Bristol West	414

Cheapest car insurance for drivers with an at-fault accident

In 2020, Bakersfield, California, reported almost 2,000 fatalities and injuries from car crashes.^[5] If you’re responsible for an accident, you can expect to pay more for a car insurance policy in Bakersfield. But if you need affordable car insurance after causing an accident, start by comparing the cheapest companies in Bakersfield below.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Mile Auto	158
Clearcover	170
Mercury	191
Infinity	203
Safeco	223
USAA	239
National General	293
Travelers	305
GEICO	318
Allstate	329
Dairyland	341
Farmers	341
State Farm	368
Bristol West	397

Cheapest car insurance for drivers with a DUI

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.^[6] 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.

Here are the cheapest car insurance companies in Bakersfield for drivers with a DUI.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Mile Auto	170
Clearcover	184
Mercury	206
Infinity	219
Safeco	240
USAA	258
National General	316
Travelers	328
GEICO	343
Allstate	355
Dairyland	367
Farmers	367
State Farm	397
Bristol West	428

Cheapest car insurance for seniors

Compared to young drivers, senior drivers have higher car accident mortality rates. Average rates typically decrease around age 35 and increase a bit around age 75 due to impaired eyesight, hearing, and reaction times.^[7] However, senior drivers experience lower average premiums in general and can find the cheapest quotes in Bakersfield from the companies below.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Mile Auto	64
Clearcover	69
Mercury	77
Infinity	82
Safeco	90
USAA	97
National General	119
Travelers	123
GEICO	129
Allstate	133
Dairyland	138
Farmers	138
State Farm	149
Bristol West	161

Cheapest car insurance for teens

“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. Here are the auto insurance companies with the lowest premiums for teenagers and young adults in Bakersfield.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Mile Auto	192
Clearcover	207
Mercury	232
Infinity	248
Safeco	271
USAA	291
National General	357
Travelers	371
GEICO	387
Allstate	401
Dairyland	414
Farmers	414
State Farm	448
Bristol West	484

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.

Find Car Insurance in Bakersfield

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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 $170 per month. Full-coverage insurance runs $253 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.^[8] For example, premiums in Anaheim, Long Beach, and Sacramento are higher than in Bakersfield.

More cities in California

Here’s a look at the average quotes for a full-coverage auto policy in other cities in California compared to Bakersfield.

City	Average Monthly Quote	Compared to Bakersfield
Anaheim	$258	6%
Fresno	$234	-4%
Irvine	$234	-4%
Long Beach	$264	8%
Los Angeles	$349	43%
Modesto	$223	-9%
Oakland	$273	12%
Riverside	$257	5%
Sacramento	$264	8%
San Diego	$223	-8%
San Francisco	$317	30%
San Jose	$258	6%

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $100 a month for liability only and $244 a month for full-coverage insurance.
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 A.M. 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 15/30/5 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.^[9]

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

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.

More cities in California

Popular cities

Sources

U.S. Census Bureau. "QuickFacts: Bakersfield city, California." Accessed July 7, 2023
Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance." Accessed July 7, 2023
California DMV. "Auto Insurance Requirements." Accessed July 7, 2023
California Legislative Information. "SB-1107 Vehicles: insurance.." Accessed July 3, 2023
California Office of Traffic Safety. "Crash Rankings Results." Accessed July 7, 2023
III. "Do auto insurance premiums go up after a claim?." Accessed July 7, 2023
III. "Senior driving safety and insurance tips." Accessed July 7, 2023
III. "What determines the price of an auto insurance policy?." Accessed July 7, 2023
California DMV. "Insurance Requirements for Vehicle Registration." Accessed July 7, 2023

Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial 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.

Learn More

Edited byCourtney MikulskiSenior Editor, Auto

Courtney MikulskiSenior Editor, Auto

3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Read Editorial Guidelines

View Full Bio

Featured in

Data reviewed byKonstantin HalachevVice President of Engineering

Konstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Save up to $717 by comparing quotes from the top 70+ insurance companies

Table of contents

Table of contentsCompare quotes

Find Car Insurance in Bakersfield

Best car insurance companies in Bakersfield

Best insurer for liability-only coverage: Mile Auto

Liability-Only CoverageMile Auto

Best insurer for military members and veterans: USAA

Military Members and VeteransUSAA

Best insurer for coverage options: State Farm

Coverage OptionsState Farm

Cheapest liability-only car insurance in Bakersfield

Cheapest full-coverage car insurance in Bakersfield

Estimate your insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in California

Comprehensive coverage

Collision coverage

Uninsured motorist coverage

Medical payments coverage

Gap coverage

How Much Car Insurance Do You Need? (2023)

California’s low-cost auto insurance plan

Find Car Insurance in Bakersfield

Cheapest car insurance for drivers with an incident

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Bakersfield

Find Car Insurance in Bakersfield

Is car insurance more expensive in Bakersfield?

More cities in California

Bakersfield car insurance FAQs

Methodology

Related articles

More cities in California

Popular cities

Sources

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