Compare Bakersfield, MO Car Insurance Rates (2021)

Car insurance in Bakersfield, MO averages $283 a month. Bakersfield, Missouri car insurance requirements are 25/50/25, 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, MO.

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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

  • Average car insurance rates in Bakersfield, MO are $3,399/year
  • Average car insurance rates in Bakersfield, MO after a DUI are $3,943/year
  • The cheapest car insurance company in Bakersfield for teen drivers is Nationwide

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

You’ll find Bakersfield car insurance rates, the cheapest Bakersfield, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Bakersfield, Missouri car insurance rates to Florissant car insurance rates, Columbia car insurance rates, and St. Charles car insurance rates.

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

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

How do age, gender, and marital status affect Bakersfield, MO car insurance rates? Every Bakersfield, Missouri 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, Missouri

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 $2,855 $2,767 $2,563 $2,646 $7,835 $8,472 $2,743 $2,836
American Family $2,178 $2,178 $1,940 $1,940 $5,940 $7,727 $2,178 $2,548
Farmers $2,422 $2,420 $2,167 $2,288 $9,804 $10,160 $2,768 $2,911
GEICO $2,061 $2,294 $1,590 $1,984 $6,179 $6,598 $1,923 $1,968
Liberty Mutual $2,686 $2,913 $2,208 $2,476 $9,187 $10,206 $2,836 $3,036
Nationwide $1,393 $1,421 $1,251 $1,321 $3,555 $4,537 $1,592 $1,717
Progressive $2,362 $2,214 $1,927 $1,980 $7,546 $8,506 $2,891 $3,013
State Farm $1,803 $1,803 $1,611 $1,611 $5,163 $6,511 $2,027 $2,313
USAA $1,556 $1,542 $1,404 $1,428 $4,603 $5,620 $1,932 $2,146

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Minimum Car Insurance in Bakersfield, MO

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

Minimum Required Car Insurance Coverage in Bakersfield, Missouri

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Bakersfield, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Bakersfield, MO. Compare credit history car insurance rates in Bakersfield from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Bakersfield, Missouri

Insurance Company Poor Fair Good
Allstate $5,647 $3,626 $2,996
American Family $4,349 $3,060 $2,577
Farmers $4,999 $4,153 $3,951
GEICO $4,248 $2,765 $2,211
Liberty Mutual $6,391 $3,884 $3,056
Nationwide $2,473 $2,045 $1,777
Progressive $4,413 $3,640 $3,361
State Farm $3,903 $2,557 $2,106
USAA $4,206 $1,968 $1,413

Cheapest Bakersfield, MO 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, MO to rates for a clean record with top companies.

Annual Bakersfield, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,516 $3,961 $4,908 $3,972
American Family $2,500 $3,591 $4,375 $2,849
Farmers $3,797 $4,682 $4,583 $4,408
GEICO $2,454 $3,103 $4,097 $2,645
Liberty Mutual $3,229 $4,629 $4,780 $5,137
Nationwide $1,648 $2,116 $2,826 $1,804
Progressive $3,298 $4,406 $3,651 $3,864
State Farm $2,627 $3,083 $2,855 $2,855
USAA $2,029 $2,462 $3,409 $2,217

Cheapest Bakersfield, MO Car Insurance for Teen Drivers

Teen car insurance in Bakersfield, MO 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, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,835 $8,472
American Family $5,940 $7,727
Farmers $9,804 $10,160
GEICO $6,179 $6,598
Liberty Mutual $9,187 $10,206
Nationwide $3,555 $4,537
Progressive $7,546 $8,506
State Farm $5,163 $6,511
USAA $4,603 $5,620

Cheapest Bakersfield, MO Car Insurance for Seniors

Take a look at Bakersfield, MO 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, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,563 $2,646
American Family $1,940 $1,940
Farmers $2,167 $2,288
GEICO $1,590 $1,984
Liberty Mutual $2,208 $2,476
Nationwide $1,251 $1,321
Progressive $1,927 $1,980
State Farm $1,611 $1,611
USAA $1,404 $1,428

Cheapest Bakersfield, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Bakersfield, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,908
American Family $4,375
Farmers $4,583
GEICO $4,097
Liberty Mutual $4,780
Nationwide $2,826
Progressive $3,651
State Farm $2,855
USAA $3,409

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Cheapest Bakersfield, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Bakersfield, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,089 $4,089
American Family $3,296 $3,362
Farmers $4,367 $4,367
GEICO $3,012 $3,137
Liberty Mutual $4,444 $4,444
Nationwide $2,099 $2,099
Progressive $3,805 $3,805
State Farm $2,786 $2,925
USAA $2,437 $2,620

The Best Cheap Car Insurance Companies in Bakersfield, MO

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

Average Annual Car Insurance Rates by Company in Bakersfield, Missouri

Insurance Company Average Annual Rates
Allstate $4,089
American Family $3,329
Farmers $4,367
GEICO $3,075
Liberty Mutual $4,444
Nationwide $2,099
Progressive $3,805
State Farm $2,855
USAA $2,529

Category Winners: Cheapest Car Insurance in Bakersfield, Missouri

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

Best Annual Car Insurance Rates by Company in Bakersfield, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors Nationwide
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI Nationwide
With 1 Speeding Violation Nationwide

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Cheapest Bakersfield, MO 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, MO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Bakersfield, Missouri

Insurance Company Low Medium High
Allstate $3,930 $4,081 $4,258
American Family $3,230 $3,434 $3,323
Farmers $4,102 $4,325 $4,675
GEICO $2,918 $3,089 $3,217
Liberty Mutual $4,203 $4,461 $4,667
Nationwide $1,970 $2,118 $2,208
Progressive $3,504 $3,811 $4,100
State Farm $2,679 $2,864 $3,022
USAA $2,414 $2,520 $2,654

What affects car insurance rates in Bakersfield, Missouri?

What factors can have an impact on Bakersfield, MO 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, Missouri.

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, MO is 28.9 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, MO traffic data from INRIX ranks Bakersfield as the 208th-most congested in the world.

Compare Car Insurance Quotes in Bakersfield, MO

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

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