The average cost of a full coverage car insurance in Bakersfield is $1,814 per year, which is $23 cheaper than the state average of $1,837. Car insurance rates in California are higher than the national average, but that doesn’t mean you can’t save money on your car insurance.
Comparing rates between multiple companies is the best way to save money on car insurance. Our experts at Policygenius can help you compare quotes to find the right coverage for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Bakersfield, CA
There are a number of factors that can impact your insurance rates, including your personal driving history, ZIP code, your age, and which insurance company you use. Because each insurance company has their own standard for setting rates, two companies can have noticeably different rates for the exact same coverage.
Company | Average cost | JD Power Rating |
|---|---|---|
Wawanesa | $928 | -- |
National General Insurance | $1,311 | 838 |
GEICO | $1,370 | 874 |
USAA | $1,501 | 890 |
Mercury Insurance | $1,519 | 830 |
Cheapest car insurance rates by ZIP code in Bakersfield, CA
Your ZIP code can have a significant impact on your car insurance rates. Rates in a given ZIP code are determined by a number of factors, including the number of accidents, traffic tickets, and car thefts reported. Other factors can influence rates in your ZIP code as well, like the amount of available street parking.
Below are the average rates based on ZIP code in Bakersfield.
ZIP code | Average cost |
|---|---|
93312 | $1,711 |
93306 | $1,761 |
93305 | $1,791 |
93311 | $1,813 |
93309 | $1,819 |
93307 | $1,841 |
93313 | $1,844 |
93301 | $1,862 |
93304 | $1,880 |
Choosing the right car insurance company in Bakersfield, CA
The best car insurance in Bakersfield is the most affordable coverage that meets your needs — so the right company will be different for every driver. Our insurance experts at Policygenius can help you get the right policy at the right price.
Car insurance rates for drivers with driving violations in Bakersfield, CA
Because your driving history is such a large factor when it comes to setting your rates, a single accident or driving violation can cause a significant jump in your rates. Keeping your driving record clean is one of the most effective ways to avoid paying too much for your car insurance.
Violation | Wawanesa | National General Insurance | GEICO | USAA | Mercury Insurance |
|---|---|---|---|---|---|
At-fault accident | $1,439 | $1,979 | $2,510 | $2,153 | $2,653 |
DUI | $1,689 | $1,837 | $3,513 | $4,425 | $2,527 |
Suspended license | $1,351 | $1,883 | $2,514 | $3,127 | $2,527 |
Open container | $1,689 | $1,410 | $3,513 | $3,327 | $2,527 |
Expired registration | $1,351 | $1,410 | $2,269 | $1,691 | $2,020 |
Driving without lights | $1,351 | $1,410 | $2,269 | $1,544 | $2,020 |
Running a red light | $1,351 | $1,410 | $2,269 | $1,691 | $2,020 |
Following too closely | $1,351 | $1,410 | $2,269 | $1,691 | $2,020 |
Hit and run | $1,689 | $1,883 | $2,514 | $3,540 | $2,527 |
Not-at-fault accident | $955 | $1,349 | $1,396 | $1,544 | $1,532 |
Passing a school bus | $1,351 | $1,410 | $2,269 | $2,273 | $2,020 |
Reckless driving | $1,689 | $1,883 | $2,514 | $2,662 | $2,527 |
Speeding | $1,351 | $1,410 | $2,181 | $1,691 | $2,020 |
Cheapest car insurance for drivers with a DUI in Bakersfield, CA
Drivers in Bakersfield should expect to pay more for their car insurance if they get a DUI or DWI. The average driver in Bakersfield pays $1,814 per year for car insurance, but drivers with a DUI on their record will pay a whopping $5,223 per year, which is 187% higher than the rates for drivers without a DUI.
But drivers with a DUI can save money on car insurance by comparing quotes from multiple companies. We found that the lowest rates for drivers with a DUI in Bakersfield are with Wawanesa, National General, and Mercury Insurance.
Company | Rates for drivers with DUIs |
|---|---|
Wawanesa | $1,689 |
National General Insurance | $1,837 |
Mercury Insurance | $2,527 |
GEICO | $3,513 |
USAA | $4,425 |
Cheapest car insurance for drivers with a speeding ticket in Bakersfield, CA
Getting a speeding ticket or other moving violation in Bakersfield can also cause your car insurance rates to go up; the average cost of insurance for a driver with a speeding ticket is $2,788 per year.
We found that Wawanesa, National General, and USAA offer the lowest rates for drivers with a speeding ticket in Bakersfield.
Company | Rates for drivers with speeding tickets |
|---|---|
Wawanesa | $1,351 |
National General Insurance | $1,410 |
USAA | $1,691 |
Mercury Insurance | $2,020 |
GEICO | $2,181 |
Cheapest car insurance for drivers with bad credit in Bakersfield, CA
While many states allow insurance companies to use your credit scores to help set your insurance rates, California has laws that prevent insurance companies from determining your rates based on your credit score. Because of these state laws, your credit score won’t impact your rates in Bakersfield.
Buying car insurance in Bakersfield, CA
California law requires all vehicle owners to carry some form of liability insurance, including:
Motor vehicle liability insurance policy
Cash deposit of $35,000 with DMV
DMV-issued self-insurance certificate
Surety bond for $35,000 from a company licensed to do business in California
If you don’t have a cash deposit, self-insurance certificate, or a surety bond, you are required to carry the state minimum levels of liability insurance:
$15,000 per person/$30,000 per accident for bodily injury liability
$5,000 for property damage liability
California minimum insurance requirements are very low, which means it is possible that you could be in an accident that causes more damage than your insurance covers if you only carry the required minimum insurance. It is important to carry as much liability insurance as you can afford to make sure you are protected in the event of an at-fault accident. Drivers who can’t afford to repair or replace their vehicle out-of-pocket in the event of an accident should also carry comprehensive and collision coverage.
How to get cheap car insurance in Bakersfield, CA
Most car insurance companies offer similar discounts that drivers in Bakersfield will be able to take advantage of, including:
Good student discount
Bundling discount
Group/employer/professional discount
Safe driver discount
Accident free discount
Low mileage discount
Military discount
If a discounted rate still isn’t enough, you might be able to take advantage of California’s Low Cost Auto Insurance program.
Frequently asked questions
Is car insurance expensive in California?
Drivers in California pay an average of $1,837 per year for car insurance, which $199 more than the national average. The easiest way for drivers in California to save money on car insurance is to compare quotes from multiple companies.
Does my gender impact my insurance rates in CA?
Gender doesn’t impact your rates in California because the state made it illegal for policy providers to use gender when setting insurance rates. Several other states have similar laws, including Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania.
What is the best car insurance for new drivers in California?
The most affordable coverage in California is Wawanesa, but just because they are the most affordable doesn’t necessarily mean they will meet your needs. It is important to compare quotes from multiple companies to find a plan that is right for you.
How much is car insurance per month in California?
The average cost of car insurance in California is $153 per month, or $1,837 per year.
