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Cheap Auto Insurance Quotes in Bakersfield, CA (2023)

Mile Auto, Aspire General, and Progressive offer the cheapest car insurance for full-coverage insurance in Bakersfield.

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Choncé Maddox
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Choncé Maddox
Choncé Maddox
Written by
Choncé Maddox
Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern IllinoisUniversity with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and homeinsurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how toprotect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius andmore.
Katie Powers
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Katie Powers
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Edited by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
Amber Benka
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Amber Benka
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Amber Benka
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated December 21, 2022

Minimum-coverage car insurance in Bakersfield costs an average of $95 per month, nearly $200 cheaper than the California state average of $294. Bakersfield is considered the population center point of California since it’s located within just four hours of 90% of the state’s population.[1] 

Roads can get busy in this city located just north of Los Angeles and near Interstate 5 and Highway 99. However, car insurance rates remain affordable with several options for drivers to find cheap car insurance in Bakersfield.

How much does car insurance cost in Bakersfield?

Car insurance costs in Bakersfield can vary widely, so be sure to compare quotes to get the best deal for your needs. Some factors that influence insurance rates include where you live, the type of car you drive, your age, your gender, and your driving history.[2] 

Insurify’s data scientists analyzed the latest insurance rates in the city to identify the cheapest quotes for residents. 

  • Mile Auto has the cheapest liability-only insurance in Bakersfield.

  • Mile Auto offers the cheapest full-coverage insurance in Bakersfield.

  • Mile Auto also has the cheapest car insurance for young drivers in Bakersfield.

Learn More: Cheap Auto Insurance in California

Average cost of auto insurance in Bakersfield

In Bakersfield, the average monthly cost for car insurance is $188. Insurance companies calculate rates differently based on factors such as your age, driving history, credit, and ZIP code. The type of car insurance policy you choose (liability, full coverage, collision) also directly affects the price you pay, so quotes can vary widely. 

Here’s how the average monthly rate for car insurance in Bakersfield differs by insurer.

Insurance CompanyAverage Monthly Quote
Mile Auto$102
Aspire General$111
Progressive$114
Sun Coast$133
Farmers$135
Anchor$141
National General$143
SafeAuto$153
Mercury$158
Travelers$161
Clearcover$173
Kemper$199
Dairyland$202
Safeco$204
Stillwater$218
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.

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Cheapest car insurance in Bakersfield: Mile Auto

Mile Auto has the cheapest car insurance rates in Bakersfield for both liability-only and full-coverage policies. Mile Auto is a pay-per-mile auto insurance company that uses technology and AI to help low-mileage drivers get insured quickly and save money. 

If you drive fewer than 10,000 miles per year, Mile Auto could be an affordable option for you. But if you drive a significant amount in a given year, insurers like Progressive or Aspire General may be better options.

Insurance CompanyInsurify Composite Score (ICS)Liability OnlyFull Coverage
Mile AutoN/A$65$125
ProgressiveN/A$68$127
Aspire GeneralN/A$73$145
Farmers85$73$153
Sun CoastN/A$80$163
Travelers80$109$169
AnchorN/A$74$170
Safe Auto76$111$171
National General58$74$181
Mercury81$108$181
Clearcover97$93$194
Safeco86$99$217
KemperN/A$114$243
StillwaterN/A$154$257
DairylandN/Aa$94$258
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.
  • The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

How much car insurance do you need in Bakersfield?

Most states require drivers to have liability or minimum car insurance coverage. California requires drivers to carry a minimum of:

  • $15,000 for bodily injury/death to one person

  • $30,000 for bodily injury/death to more than one person

  • $5,000 for damage to property 

Liability insurance doesn’t cover damage to the policyholder’s property or their medical expenses after an accident, so if you’re looking for additional coverage you should upgrade to a full-coverage policy.[3] 

If you require services from your local DMV, it may require proof of insurance, and you’ll need to keep a copy of your insurance card in your vehicle to show officers if you get pulled over. 

Failure to maintain at least the minimum required car insurance coverage could result in a suspended vehicle registration.

California also accepts alternatives to a traditional insurance policy. If you have the cash, you can satisfy state insurance requirements by making a $35,000 cash deposit with the DMV or posting a surety bond for that amount. You can also obtain a self-insurance certificate from the DMV.[3]

California DMV information

California’s DMV offices provide many driver services, such as issuing a new license or ID and driver registration. You can complete many services online or book appointments for your local office. The website also helps you locate the nearest DMV office based on your ZIP code.[4]

Tips for getting cheap car insurance in Bakersfield

To reduce your car insurance premiums, focus on factors that you can control and ask about insurer discounts. This includes seeking discounts for bundling your car insurance with homeowner’s insurance. 

Keeping a clean driving record can help too. Check if insurers offer discounts to drivers who haven’t had an accident or moving violation within the past three years. 

“Shopping and comparing car insurance quotes is essential for saving money," says Laura Adams, a money expert and award-winning personal finance author. “Not only do auto rates change frequently, but carriers evaluate you differently and offer different discounts."

Read More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Bakersfield 

Age and even gender affect car insurance rates. Insurers find that mature or older drivers tend to have fewer accidents than younger drivers. Young drivers have less experience on the road, which creates a higher risk to insurance companies. 

As a result, car insurance rates are often higher for people under age 25. The following table provides some insight into how age can affect average car insurance rates.

Age GroupAverage Monthly Rate
Teenagers$332
Under 25$273
25-29$183
30s$135
40s$128
50s$113
60s$106
70s$140
80$160
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.

Cheapest car insurance for young drivers in Bakersfield

Mile Auto and Safe Auto have the cheapest car insurance rates for young drivers in Bakersfield. Consider applying for low-mileage or good student discounts to save even more money.

Insurance CompanyAverage Monthly Cost
Mile Auto$104
Safe Auto$169
Farmers$173
Aspire General$175
Travelers$176
Sun Coast$177
Safeco$185
National General$187
Anchor$190
MAPFRE$193
Progressive$205
Mercury$217
Clearcover$232
Workmen’s$249
Kemper$261
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.

Cheapest car insurance for middle-aged drivers in Bakersfield

Mile Auto and Aspire General have the cheapest car insurance rates for middle-aged drivers in Bakersfield. Consider bundling your auto insurance with your home or renters insurance to save even more on your policy.

Insurance CompanyAverage Monthly Cost
Mile Auto$86
Aspire General$94
SafeAuto$96
Progressive$97
Workmen’s$109
Mercury$109
National General$114
Travelers$116
Anchor$117
Clearcover$119
Farmers$119
Infinity$123
Sun Coast$124
MAPFRE$127
Kemper$146
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.

Cheapest car insurance for senior drivers in Bakersfield

Safe Auto and Progressive have the cheapest car insurance for senior drivers in Bakersfield. Consider pay-per-mile insurance or taking a safe driver course to save even more money on your car insurance.

Insurance CompanyAverage Monthly Cost
SafeAuto$68
Progressive$80
Aspire General$83
Mile Auto$84
Mercury$98
Farmers$99
Anchor$99
Sun Coast$101
National General$103
Travelers$108
Workmen’s$113
Clearcover$116
MAPFRE$121
Kemper$128
Infinity$134
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.

How credit scores affect cheap car insurance in Bakersfield

Insurance companies also consider your credit score when you apply for car insurance. Your credit demonstrates how well you keep up with your finances and pay bills on time. A personal credit score of 700 or higher is considered good, according to Experian. 

The lower your credit score, the more risk an insurer might assume, and they’ll increase rates to reflect this. Some states, including California, restrict insurers from factoring credit into car insurance rates.[5] 

Learn More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Bakersfield

Your driving history also affects your car insurance rates. Drivers without accidents or tickets on their record tend to pay less for car insurance premiums than drivers with a bad record.

Accidents typically stay on your record for up to three years, and a DUI could not only raise your premiums but also make it harder for you to get coverage from certain insurance companies.[6] The tables below show the effect certain driving violations can have on car insurance rates.

When you see a negative difference in a table, it doesn’t mean the insurer gives lower rates to drivers with that infraction. More likely, the sample data was too small, possibly because the insurer may have chosen not to offer policies to drivers with that infraction.

Cheapest car insurance with an accident in Bakersfield: Progressive

An accident can increase your insurance rates whether you’re at fault or not. However, if you’re found at fault for causing an accident, your premiums could go even higher.

Car Insurance CompanyClean RecordWith AccidentDifference
Progressive$122$127+$5
MAPFRE$142$151+$9
Aspire General$112$155+$43
Travelers$124$156+$32
Safeco$152$156+$4
Mile Auto$91$89-$2
SafeAuto$127$121-$6
Farmers$130$130N/A
National General$132$168+$36
Anchor$133$171+$38
Sun Coast$122$189+$67
Kemper$166$232+$66
Clearcover$137$239+$102
Mercury$126$240+$114
Pronto$407$268-$139
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.

Cheapest car insurance in Bakersfield with a DUI: Aspire General

Driving under the influence of alcohol or drugs is a serious infraction — one that may come with criminal charges. A DUI will almost certainly cause your rates to increase, or your insurance company may cancel your coverage altogether.

Car Insurance CompanyClean RecordWith DUIDifference
Aspire General$112$132+$20
Sun Coast$122$141+$19
National General$132$166+$34
Progressive$122$178+$56
Anchor$133$188+$55
MAPFRE$142$123-$19
Kemper$166$192+$26
Mercury$126$207+$81
Bristol West$204$247+$43
Dairyland$218$266+$48
Infinity$192$447+$255
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.

Cheapest car insurance in Bakersfield with a speeding ticket: Mile Auto

More than 68% of California drivers admitted to going over the speed limit by 10 mph, and nearly 20% have driven 20 mph over the limit, according to a 2019 study.[7] Speeding tickets could cause your insurance premiums to rise significantly.

Car Insurance CompanyClean RecordWith Speeding TicketDifference
Mile Auto$91$116+$25
SafeAuto$127$139+$12
Aspire General$112$143+$31
National General$132$169+$37
Sun Coast$122$175+$53
Progressive$122$102-$20
Farmers$130$127-$3
MAPFRE$142$177+$35
Anchor$133$185+$52
Travelers$124$207+$83
Safeco$152$216+$64
Clearcover$137$217+$80
Mercury$126$219+$93
Kemper$166$254+$88
Bristol West$204$301+$97
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.

Car insurance in other California cities

California is home to several large cities, and insurance costs can vary from city to city — even within the same state. Here’s a look at car insurance quotes in some other California cities:

How to save on car insurance in Bakersfield

You have many ways to save money on car insurance in Bakersfield if you feel your rates are getting too expensive. 

  • See if you qualify for discounts. Your insurer may provide discounts for safe drivers or for bundling your auto coverage with homeowners or renter’s insurance.

  • Keep a clean driving record. Some insurers lower your premiums if you keep a clean driving record each year. Even if you can’t receive a direct discount for a good driving record, you can keep premiums low by driving safely and avoiding tickets and at-fault accidents.

  • Participate in a safe driver program. Many companies offer safe driver programs, or telematics programs, that track your driving and reward drivers with discounts for safe driving. Ask your insurer if you’re eligible to participate.

  • Increase your deductible. Choosing a higher deductible could lower your insurance premiums. This also means that you’ll need to pay more money up front if you file a claim before your insurance coverage kicks in.

  • Apply for a good student discount. If you’re a student, you may be able to get a discount on car insurance if you maintain good grades.

“There are many discounts your insurer may not know you qualify for, such as getting married, becoming a homeowner, or changing jobs,” Adams says. “Be sure to update your information periodically and shop your existing coverage."

Bakersfield driving conditions

Bakersfield is located in Kern County. The Bakersfield city website stays up-to-date with reporting all traffic, road conditions, construction projects, and injury and non-injury accidents online. 

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 car insurance FAQs

Here are answers to some commonly asked questions about car insurance in Bakersfield.

  • The average cost of liability-only car insurance in Bakersfield is $98 per month, or $1,176 per year. The average cost of full-coverage car insurance is $227 per month, or $2,724 per year. 

  • You need to meet California’s minimum liability-only insurance requirements which are $15,000 for bodily injury/death to one person, $30,000 for bodily injury/death to more than one person, and $5,000 for damage to property.

  • Mile Auto, Progressive, and Aspire General offer the cheapest car insurance policies in Bakersfield. But your unique rate may vary based on your personal driver details — like your driving record, age, and vehicle type — so make sure to compare car insurance quotes before purchasing a policy.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Visit Bakersfield. "Bakersfield Travel and Transportation." Accessed December 20, 2022
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed December 20, 2022
  3. State of California DMV. "Insurance Requirements." Accessed December 20, 2022
  4. State of California DMV. "Locations." Accessed December 20, 2022
  5. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?." Accessed December 20, 2022
  6. Insurance Information Institute. "Do auto insurance premiums go up after a claim?." Accessed December 20, 2022
  7. The California Highway Patrol and Safe Transportation Research and Education Center, University of California, Berkeley. "California Speeding and Aggressive Driving Study 2019." Accessed December 21, 2022
Choncé Maddox
Written by
Choncé Maddox
Linkedin

Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois
University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home
insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to
protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and
more.

Learn More
Katie Powers
Edited by
Katie Powers
Linkedin

Insurance Writer

Photo of an Insurify author
Edited by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.