Best Cheap Auto Insurance in Bakersfield, CA (2021)

The average Bakersfield, CA auto insurance rates are $301 per month. The minimum auto insurance in Bakersfield is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Bakersfield, California, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The minimum auto insurance required in Bakersfield, California is 15/30/5
  • The average commute length in Bakersfield is 23.0 minutes
  • Average auto insurance rates in Bakersfield, CA for senior drivers are $2,160 per year

Bakersfield, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Bakersfield can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Bakersfield, California, including driving record, credit, commute time, and more.

Compare auto insurance in Bakersfield to other California cities, including Long Beach auto insurance rates, San Diego auto insurance rates, and Bakersfield auto insurance rates to see how Bakersfield, California auto insurance rates stack up.

Before you buy Bakersfield, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Bakersfield, California auto insurance quotes.

Minimum Auto Insurance in Bakersfield, California

Bakersfield, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Bakersfield, California.

Minimum Required Auto 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

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Cheap Bakersfield, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Bakersfield, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Bakersfield, California Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Bakersfield, California is a challenge. Take a look at the annual teen auto insurance rates in Bakersfield, California.

Annual Auto 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

Cheap Bakersfield, California Auto Insurance for Seniors

What are senior auto insurance rates in Bakersfield, California? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Bakersfield, California Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Bakersfield, California compared to the annual auto insurance rates with a clean record in Bakersfield, California.

Annual Bakersfield, California Auto 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

Cheap Bakersfield, California Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Bakersfield, California is not easy. Compare the annual rates for DUI auto insurance in Bakersfield, California to find the best deal.

Annual Auto Insurance Rates After a DUI in Bakersfield, California

Insurance Company Annual Auto 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

Cheap Bakersfield, California Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Bakersfield, California can vary. Compare the annual cost of auto insurance by ZIP code in Bakersfield, California to see how car insurance rates are affected by location.

Annual Auto 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

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Cheap Bakersfield, California Auto Insurance Rates By Commute

Commute length and annual mileage affect Bakersfield, California auto insurance. Find the cheapest annual Bakersfield, California auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Bakersfield, California

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Bakersfield, California Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Bakersfield, California? Check out the comparison of annual Bakersfield, California auto insurance rates by coverage level.

Annual Auto 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

Best By Category: Cheapest Auto Insurance in Bakersfield, California

Compare the cheapest auto insurance companies in Bakersfield, California in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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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The Cheapest Bakersfield, California Auto Insurance Companies

What auto insurance companies in Bakersfield, California are the cheapest? Compare the top Bakersfield, California auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Bakersfield, California?

There are a lot of reasons why auto insurance rates in Bakersfield, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Bakersfield, California. Many local factors may affect your Bakersfield auto insurance rates.

Bakersfield Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Bakersfield, California auto theft statistics, there have been 2,777 auto thefts in the city.

Bakersfield Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Bakersfield, California commute length is 23.0 minutes according to City-Data.

Bakersfield Traffic

How does Bakersfield, California rank for traffic? According to Inrix Bakersfield, California is the 208th most congested worldwide.

Compare Bakersfield, California Auto Insurance Quotes

Before you buy Bakersfield, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Bakersfield, California auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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