Compare Bakersfield, CA Car Insurance Rates (2021)

Car insurance in Bakersfield, CA averages $301 a month. Bakersfield, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Bakersfield car insurance rates, compare quotes from the top car insurance companies in Bakersfield, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Bakersfield for teen drivers is USAA
  • The cheapest car insurance company in Bakersfield is GEICO
  • Average car insurance rates in Bakersfield, CA are $3,606/year

If you need to buy Bakersfield, California car insurance, the options can be confusing. Everything you need to know about car insurance in Bakersfield, CA is right here.

You’ll find Bakersfield car insurance rates, the cheapest Bakersfield, CA car insurance companies, and information on California car insurance laws. You can also compare Bakersfield, California car insurance rates to Fresno car insurance rates, Long Beach car insurance rates, and San Francisco car insurance rates.

Ready to find affordable Bakersfield, CA car insurance today? Enter your ZIP code for fast, free Bakersfield car insurance quotes.

Cheapest Bakersfield, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Bakersfield, CA car insurance rates? Every Bakersfield, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bakersfield, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,879 $2,883 $2,082 $2,109 $7,859 $9,876 $3,689 $4,065
Farmers $2,661 $2,661 $2,399 $2,399 $8,505 $13,958 $3,155 $3,515
GEICO $1,615 $1,617 $1,520 $1,520 $4,908 $4,995 $2,319 $2,373
Liberty Mutual $2,133 $2,011 $1,991 $1,924 $4,596 $4,922 $2,393 $2,428
Nationwide $3,140 $2,997 $2,751 $2,593 $7,984 $8,816 $3,747 $3,700
Progressive $1,861 $1,915 $1,582 $1,877 $4,958 $5,975 $2,687 $2,888
State Farm $3,426 $3,426 $3,061 $3,061 $6,313 $7,831 $3,793 $3,911
Travelers $2,425 $2,348 $2,142 $2,120 $5,001 $5,702 $3,148 $3,080
USAA $1,921 $1,820 $1,873 $1,882 $4,371 $4,395 $2,655 $2,510

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Minimum Car Insurance in Bakersfield, CA

Every driver must carry the minimum car insurance in Bakersfield, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Bakersfield, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Bakersfield, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Bakersfield, CA to rates for a clean record with top companies.

Annual Bakersfield, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,664 $4,491 $7,070 $3,495
Farmers $3,626 $4,939 $6,155 $4,906
GEICO $1,825 $2,813 $3,532 $2,263
Liberty Mutual $2,430 $3,254 $2,940 $2,575
Nationwide $3,117 $3,996 $6,756 $3,996
Progressive $1,941 $3,301 $3,830 $2,799
State Farm $3,106 $3,704 $6,995 $3,605
Travelers $2,166 $3,534 $4,096 $3,187
USAA $1,780 $2,648 $4,337 $1,949

Cheapest Bakersfield, CA Car Insurance for Teen Drivers

Teen car insurance in Bakersfield, CA can be expensive. Take a look at rates from the top car insurance companies in Bakersfield for teenagers.

Annual Car Insurance Rates for Teen Drivers in Bakersfield, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,859 $9,876
Farmers $8,505 $13,958
GEICO $4,908 $4,995
Liberty Mutual $4,596 $4,922
Nationwide $7,984 $8,816
Progressive $4,958 $5,975
State Farm $6,313 $7,831
Travelers $5,001 $5,702
USAA $4,371 $4,395

Cheapest Bakersfield, CA Car Insurance for Seniors

Take a look at Bakersfield, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Bakersfield, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,082 $2,109
Farmers $2,399 $2,399
GEICO $1,520 $1,520
Liberty Mutual $1,991 $1,924
Nationwide $2,751 $2,593
Progressive $1,582 $1,877
State Farm $3,061 $3,061
Travelers $2,142 $2,120
USAA $1,873 $1,882

Cheapest Bakersfield, CA Car Insurance Rates After a DUI

A DUI in Bakersfield, CA increases car insurance rates. Compare Bakersfield, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Bakersfield, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,070
Farmers $6,155
GEICO $3,532
Liberty Mutual $2,940
Nationwide $6,756
Progressive $3,830
State Farm $6,995
Travelers $4,096
USAA $4,337

Cheapest Bakersfield, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Bakersfield, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Bakersfield, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,989 $4,872
Farmers $4,452 $5,361
GEICO $2,370 $2,847
Liberty Mutual $2,569 $3,031
Nationwide $3,944 $4,988
Progressive $2,693 $3,243
State Farm $4,194 $4,511
Travelers $2,922 $3,569
USAA $2,468 $2,888

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Cheapest Bakersfield, CA Car Insurance Rates by ZIP Code

Bakersfield car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Bakersfield, CA.

Annual Car Insurance Rates by ZIP Code in Bakersfield, California

ZIP Code Average Annual Rates
93301 $5,125
93304 $5,075
93305 $5,071
93306 $4,913
93307 $5,020
93309 $4,922
93311 $4,927
93312 $4,661
93313 $4,955

The Best Cheap Car Insurance Companies in Bakersfield, CA

Take a look at a side-by-side comparison of the top car insurance companies in Bakersfield, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Bakersfield, California

Insurance Company Average Annual Rates
Allstate $4,430
Farmers $4,906
GEICO $2,608
Liberty Mutual $2,800
Nationwide $4,466
Progressive $2,968
State Farm $4,353
Travelers $3,246
USAA $2,678

Category Winners: Cheapest Car Insurance in Bakersfield, California

Find the cheapest car insurance companies in Bakersfield, CA for each category right here.

Best Annual Car Insurance Rates by Company in Bakersfield, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Bakersfield, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Bakersfield car insurance rates. Find the cheapest Bakersfield, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Bakersfield, California

Insurance Company Low Medium High
Allstate $4,166 $4,471 $4,653
Farmers $4,579 $4,943 $5,197
GEICO $2,374 $2,637 $2,814
Liberty Mutual $2,593 $2,824 $2,983
Nationwide $4,005 $4,545 $4,848
Progressive $2,657 $3,057 $3,190
State Farm $3,924 $4,428 $4,706
Travelers $2,820 $3,332 $3,585
USAA $2,428 $2,731 $2,876

What affects car insurance rates in Bakersfield, California?

What factors can have an impact on Bakersfield, CA car insurance? There are several reasons why Bakersfield car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bakersfield, California.

Car Theft in Bakersfield

High levels of vehicle theft can make car insurance more expensive. Bakersfield, CA car theft statistics from the FBI indicate 2,777 vehicle thefts a year.

Commute Time in Bakersfield

The more time you spend in your car the higher the risk of an accident. The average commute length in Bakersfield, CA is 23.0 minutes according to City-Data.

Traffic in Bakersfield

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Bakersfield, CA traffic data from INRIX ranks Bakersfield as the 208th-most congested in the world.

Compare Car Insurance Quotes in Bakersfield, CA

Ready to find affordable Bakersfield, California car insurance today? Enter your ZIP code for fast, free Bakersfield, CA car insurance quotes.

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Average Monthly Car Insurance Rates by State