Cheap Auto Insurance in Bakersfield, California (2024)

Mile Auto offers the cheapest car insurance in Bakersfield, with minimum-coverage policies as low as $53 per month.

Anna Baluch
Written byAnna Baluch
Photo of an Insurify author
Anna BaluchInsurance 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.

Featured in

media logomedia logomedia logo
Courtney Mikulski
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.

Featured in

media logomedia logo
Daniel Roccato
Reviewed byDaniel Roccato
Headshot of industry expert Daniel Roccato
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 Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Updated June 20, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Bakersfield, California

Recent Bakersfield, California car insurance prices for Volkswagen, Dodge, Mercedes Benz , and more.

*Quotes generated for Insurify users in and around Bakersfield, California within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Bakersfield drivers enjoy lower car insurance rates than drivers in many other California cities. On average, Bakersfield drivers pay $112 per month for a liability-only policy and $241 for full-coverage auto insurance, while California’s averages are $136 a month for liability only and $284 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
  • Mile Auto, Sun Coast, and Mercury 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

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.
3.7
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.
$53/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.
$100/mo

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

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.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
876
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.
$95/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.
$202/mo

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

Read our USAA review
Claude - June 20, 2024
Verified

Excellent

Outstanding all the time.

Christie - June 18, 2024
Verified

Ok

I have had USAA banking and auto insurance for 20 years. I just changed my bank account and am now looking for new insurance. They used to be awesome and nobody could even make me think of switching, but it seems people these days don't care about good customers.

John - June 18, 2024
Verified

USAA is tough to beat

I have yet to receive a quote that beats USAA!

Best insurer for coverage options: State Farm

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.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
817
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.
$146/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.
$311/mo

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

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

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: Mile Auto

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 are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyAverage Monthly Quote
Mile Auto$53
Sun Coast$66
Mercury$78
Anchor$85
Dairyland$92
USAA$95
National General$113
GEICO$127
Allstate$131
Direct Auto$133
Farmers$134
State Farm$146
Travelers$153
21st Century$167
Bristol West$174
Nationwide$206
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: Mile Auto

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, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyAverage Monthly Quote
Mile Auto$100
Mercury$148
Anchor$192
Sun Coast$192
USAA$202
Dairyland$264
National General$266
GEICO$270
Allstate$279
Farmers$287
State Farm$311
Direct Auto$313
Travelers$327
21st Century$356
Bristol West$357
Nationwide$438
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 recent rates near Bakersfield, California

Recent Bakersfield, California car insurance prices for Mercedes Benz, Toyota, BMW , and more.

*Quotes generated for Insurify users in and around Bakersfield, California within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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.

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

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    This protects you from non-accident incidents that damage your vehicle, like vandalism or hitting an animal.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured motorist coverage

    Uninsured motorist coverage will come in handy if you get into an accident with an uninsured driver.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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? (2024)

How Much Car Insurance Do You Need? (2024)

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 $53/mo.

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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: Mile Auto

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.

Bakersfield drivers with speeding tickets see average car insurance rates of $323 per month for full coverage and $150 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 are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyClean RecordWith Ticket
Mile Auto$53$71
Sun Coast$66$89
Mercury$78$105
Anchor$85$107
USAA$95$119
National General$113$141
GEICO$127$160
Allstate$131$164
Direct Auto$133$168
Farmers$134$167
State Farm$146$182
Travelers$153$194
21st Century$167$216
Bristol West$174$217
Nationwide$206$261
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 car insurance for drivers with an at-fault accident: Mile Auto

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.

The average cost of car insurance in Bakersfield after an accident is $305 for full coverage and $142 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 are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyClean RecordWith Accident
Mile Auto$53$72
Sun Coast$66$84
Mercury$78$104
Anchor$85$117
USAA$95$119
National General$113$142
GEICO$127$160
Allstate$131$164
Direct Auto$133$171
Farmers$134$167
State Farm$146$182
Travelers$153$193
21st Century$167$215
Bristol West$174$215
Nationwide$206$261
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 car insurance for drivers with a DUI: Mile Auto

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.

On average, Bakersfield drivers with DUIs face monthly car insurance rates of $309 for full coverage and $144 for liability-only policies. Here are the cheapest car insurance companies in Bakersfield for drivers with a DUI.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyClean RecordWith DUI
Mile Auto$53$70
Sun Coast$66$85
Mercury$78$103
Anchor$85$126
USAA$95$141
National General$113$168
GEICO$127$189
Allstate$131$195
Direct Auto$133$198
Farmers$134$199
State Farm$146$217
Travelers$153$227
21st Century$167$248
Bristol West$174$258
Nationwide$206$306
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 car insurance for seniors: Mile Auto

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.[7]

The average monthly cost of car insurance for senior drivers in Bakersfield is $213 for full coverage and $99 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 are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyFull CoverageLiability Only
Mile Auto$79$42
Mercury$116$61
Anchor$155$69
USAA$167$79
Sun Coast$170$58
National General$217$92
GEICO$223$105
Allstate$232$109
Farmers$232$108
Direct Auto$251$107
State Farm$251$118
Travelers$266$125
21st Century$276$130
Bristol West$296$144
Nationwide$341$160
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 car insurance for teens: Mile Auto

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 $363 per month for full coverage car insurance and $169 for liability only. 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, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyFull CoverageLiability Only
Mile Auto$180$95
Mercury$247$130
Sun Coast$289$99
USAA$306$144
Anchor$309$137
GEICO$386$182
Allstate$449$211
Farmers$464$216
National General$470$200
State Farm$482$226
Direct Auto$525$223
Travelers$541$253
21st Century$544$255
Bristol West$556$271
Nationwide$686$323
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.

Find Car Insurance in Bakersfield

Unlock savings and discounts when you compare rates through Insurify

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Is car insurance more expensive in Bakersfield?

The average cost of a liability-only auto policy in the U.S. is $105 per month. Full-coverage insurance runs $214 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 average monthly quotes for auto policies in other cities in California compared to Bakersfield.

CityFull CoverageLiability Only
Anaheim$293$144
Fresno$241$127
Glendale$361$231
Long Beach$263$154
Los Angeles$340$198
Modesto$276$130
Oakland$302$150
Riverside$283$135
Sacramento$292$137
San Diego$233$116
San Francisco$294$148
San Jose$270$125
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 $112 a month for liability only and $241 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?

    Mile Auto, Sun Coast, and Mercury are the cheapest insurers in Bakersfield. Mile Auto's liability-only rates start at $53 per month. Sun Coast, and Mercury have liability rates as low as $66 and $78 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 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.

Sources

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

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
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.

Featured in

media logomedia logo
Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
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 Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all