Car Insurance in Bakersfield, California

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Joel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: May 23, 2016

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We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Here's what you need to know...
  • The average cost for car insurance premiums in Bakersfield, California, is $821 per year
  • Factors such as your age, gender, and marital status will usually influence your cost for insurance coverage
  • There are many options to find car insurance in Bakersfield, so take your time and compare rates from multiple companies


If you’re looking for car insurance in Bakersfield, be sure to research the main parameters involved in the business of acquiring insurance for your car.

If you lived in other states or areas previously, keep in mind that policy prices and laws will probably be different in Bakersfield.

You can compare car insurance quotes from multiple companies by entering your zip code into our FREE search tool!

All car insurance companies pay attention to the driver’s gender and age as well as marital status.

The driver’s credit rating and driving history are also relevant. In addition, insurance companies take into account the type of car driven and its frequency of use to calculate the costs of car insurance.

Bakersfield Requirements for Car Insurance

Let’s look at some of the key requirements for Bakersfield car insurance.

California car insurance requirements are dictated by the California DMV covering the state of California.

You must be able to show proof of insurance in the following situations:

  • A law enforcement officer requests to see your proof of car insurance.
  • Your vehicle registration expires and needs to be renewed.
  • You are involved in a car accident.

The California Department of Motor Vehicles may also ask you to further prove financial responsibility in the following ways:

  • Some kind of document or car insurance card from the insurance provider
  • A DMV letter of authorization in the case of being a cash depositor or for those self-insured
  • An SR-22, which is a Proof of Insurance Certificate

Car insurance minimums have been established for all vehicles in Bakersfield. This is called Liability Insurance.

The established minimums are:

  • $15,000 to cover injury or death for one person.
  • $30,000 for injury or death for two or more people.
  • $5,000 to cover damage to property.

Neither comprehensive nor collision coverage meet the minimum requirements according to California law.

For those that cannot afford this coverage, they may be qualified for the California Low-Cost Automobile Insurance Program.

California is more strict than some states but more lenient than others.

It pays to become familiar with the local laws. Bakersfield car insurance is no exception.

Car Insurance Laws in Bakersfield

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There are at least three circumstances upon which registration may be suspended:

  • The DMV finds a policy has been canceled and a policy to replace it hasn’t been submitted forty-five days later.
  • A vehicle is registered or ownership is transferred and the insurance information is not submitted to the DMV.
  • False insurance verification information was provided to obtain vehicle registration.

In order to establish registration after suspension, a fee must be paid and legal proof of insurance must be provided.

Other documents will be required and the process tends to be fairly time-consuming. If at all possible, it is best to take measures to avoid suspension of your registration.

Bakersfield Companies for Car Insurance

People living in the Bakersfield area have their choice of several quality insurance companies. Some of these companies are:

Regardless of the reputation, advertising dollars, and beautiful buildings, all insurance companies are not the same—policies differ and no company can cater to everyone.

Keep in mind that age and gender and many other factors affect the coverage and the price of the policy.

Agencies Offering Bakersfield Car Insurance

Countless agents in Bakersfield will be happy to sell you insurance but not all of them represent all companies.

Most agents work with just a few companies and recommend policies based upon commissions that benefit them most without considering what might be in your best interest

When evaluating which agency may be able to help you the best, consider their offers only after getting some experience with the rates a driver such as yourself may expect to pay in Bakersfield.

Once you are sufficiently educated, you will be able to make a decision on your ownand not defer to an agent to make that decision for you.

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Bakersfield Car Insurance Rates

When checking the cost of car insurance in Bakersfield, your zip code is always needed.

This is because factors like traffic volume, crime rates, and the amount of accident claims can be higher in some zip codes than others.

There are twenty-three zip codes in Bakersfield. Some peopleeven though they are safer driversmay end up paying more just because of where they live.

The average auto insurance premiums are $821 per year for Bakersfield, which is reasonable in comparison to other city car insurance rates.

This also matches the average car insurance rates for the rest of California.

Other charges will bring the price up, and you should also be aware that this number does not apply to any one person.

Your individual car insurance rate is a number created mathematically and is not useful in real life. For example, owning 2.1 cars is not applicable to any one family.

Your cost will be based on your specific parameters and could be much higher or much lower.

The factors that influence your car insurance rate include:

  • Type of vehicle used
  • Frequency of use
  • Distance driven daily
  • Driver’s credit rating
  • Driver’s age and marital status
  • Driver’s Gender
  • Driving record of primary driver

When asking for a quote, you can feel confident when more questions are asked and a specific policy and quote are prepared for you.

There are many deductions that can be made when specific information is known and applied.

Bakersfield Car Accidents

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Bakersfield ranked tenth out of thirteen cities in California with a population of 250,000 or greater for victims killed or injured in car accidents in 2009.

There were 25 fatal accidents involving thirty-two vehicles and twenty-six fatalities in 2013.

Many of the numbers went down as gas prices rose. This means that people were not necessarily driving any safer, but that there may have been fewer vehicles on the road.

Comparing Rates for Car Insurance

Remember to compare prices. Shopping for Bakersfield car insurance is no different than any other important purchase.

You want to find the best deal and still get the coverage you need.

Finding the best car insurance for you can be quick and easy. Remember, agents work on commissions and sometimes may not have your best interest at the top of their priorities.

If you’re not careful, you may end up regretting your decision.

Finding the best price and policy specifically for you when shopping for car insurance in Bakersfield will put your mind at ease and prepare you well if an accident occurs.

Find your Bakersfield car insurance quote today for FREE with our zip code search!

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