Cheap Auto Insurance Quotes in Bakersfield, CA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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Cheapest Car Insurance in Bakersfield, CA

Here are the cheapest carriers in Bakersfield for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Bakersfield. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Bakersfield, CA Driving Facts

Minimum Car Insurance Requirements in CA

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

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

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

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
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 Driving and Accident History

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

Bakersfield Car Insurance Rates by Credit Tier

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

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

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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Bakersfield stacks up for the state of California:

honda
Honda Civic
Most Popular Car in
Bakersfield, CA
suspended licenses
#37
Cities with Most
Suspended Licenses Rank

FAQs - Bakersfield, CA Car Insurance

Why is car insurance so expensive in Bakersfield?

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

How can I get the cheapest car insurance in Bakersfield?

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

Who offers the cheapest car insurance in Bakersfield?

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