Comparing rates for low-priced insurance is confusing at best, and determining which company offers the best auto insurance rates for good drivers will involve a bit more work. Each auto insurance company has a unique formula for determining prices, so let’s begin by taking a look at the most competitive auto insurance companies in Bakersfield, CA.
It’s a good idea to know that Bakersfield auto insurance rates are determined by lots of factors which can significantly increase or decrease the cost of a policy. This price variability is why consumers need to take the time to compare lots of rates to find cheap car insurance quotes for good drivers. Car insurance prices can be altered by many different factors and change dramatically, so the most economical option a year ago may now be one of the more expensive options.
Find the Best Cheap Insurance for Good Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Allied | $1,541 |
| 10 | Progressive | $1,558 |
| 11 | Allstate | $1,559 |
| 12 | GEICO | $1,559 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,623 |
| 15 | Unitrin | $1,682 |
| 16 | Esurance | $1,688 |
| 17 | State Farm | $1,733 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $1,946 |
| Compare Rates Now Go | ||
USAA may have some of the most affordable car insurance rates in Bakersfield at around $1,121 annually. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the more affordable Bakersfield, CA auto insurance companies.
As shown in the rates above, if you currently buy coverage from Nationwide and switched to Wawanesa, you might realize an annual premium reduction of in the neighborhood of $106. Customers with 21st Century could save as much as $181 a year, and Grange customers might realize rate reductions of up to $320 a year.
To find the cheapest coverage for you, click here to get quotes or visit several of the following companies.
Remember that these rates are averages across all drivers and vehicles in California and and are not figured with an exact location for good drivers. So the company that can offer you the best rate may not even be in the top 24 companies in the list above. That is why you need to get rate quotes using your own specific driver and vehicle information.
The vehicle driven is one of the main factors that determines the availability of economical car insurance for good drivers. Vehicles with high performance features, poor safety ratings, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models.
The table below features car insurance rates for a selection of the cheapest automobiles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $749 |
| Toyota Prius | $831 |
| Jeep Wrangler Sport 4WD 2-Dr | $861 |
| Honda CR-V EX 4WD | $868 |
| Volkswagen Jetta SE 2.5 Station Wagon | $878 |
| Hyundai Elantra SE Touring Station Wagon | $888 |
| Ford F-150 Lariat Super Cab 4WD | $905 |
| Toyota Tacoma Double Cab 4WD | $912 |
| Ford Explorer Limited AWD | $905 |
| Chevrolet Malibu LT | $911 |
| Chevrolet Silverado LT Regular Cab 2WD | $950 |
| Ford Fusion Sport 4-Dr Sedan | $952 |
| Toyota Camry LE | $967 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $971 |
| Ford Focus S 4-Dr Sedan | $976 |
| Ford F-350 XLT Crew Cab 2WD | $988 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $993 |
| Jeep Grand Cherokee Laredo 2WD | $992 |
| Toyota RAV4 Sport 4WD | $997 |
| Nissan Rogue SL AWD | $996 |
| Compare Cheap Rates Go | |
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rate information does not factor in specific zip code location which can increase or decrease premium rates considerably.
Based upon the table data, vehicles like the Ford Escape, Toyota Prius, Jeep Wrangler, and Honda CR-V are likely to be a few of the cheapest vehicles to insure for safe drivers.
Ending up with the right car insurance provider can be a challenge considering how many different insurance companies sell coverage in California. The company rank data shown next can help you decide which car insurance providers you want to consider comparing price quotes from.
These rankings are for large insurance companies, so companies that focus mainly on California business are not factored into this list. To check prices from the most competitive companies in California, simply click here.
Top 10 Large Auto Insurers in Bakersfield Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Large Auto Insurers Overall in Bakersfield
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Does full coverage make sense?
Lowering the price of auto insurance should be important to the majority of people, and an effective way to buy cheap insurance for good drivers is to only pay for liability coverage. The example below compares auto insurance rates when comparing full coverage to liability only. The prices are based on no claims or driving citations, $1,000 deductibles, drivers are not married, and no discounts are applied.
Averaged out for all age groups, comprehensive and collision coverage on your policy costs an extra $1,849 per year over having just liability coverage. Lot’s of drivers question if full coverage is worth the money. There is no definitive formula of when to phase out full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
There are some conditions where only buying liability is not in your best interest. If you haven’t paid off your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
How to get discounts on Bakersfield car insurance rates
Auto insurance companies that offer quotes for good drivers could also offer price discounts that may potentially lower prices by as much as 40% or more if you are eligible for them. Larger auto insurance companies and a selection of discounts can be found below.
- GEICO has savings for driver training, federal employee, anti-theft, multi-vehicle, military active duty, anti-lock brakes, and daytime running lights.
- SAFECO offers premium reductions for bundle discounts, drive less, multi-car, anti-lock brakes, and accident prevention training.
- State Farm policyholders can earn discounts including Drive Safe & Save, multiple autos, student away at school, passive restraint, Steer Clear safe driver discount, good student, and defensive driving training.
- MetLife offers discounts including accident-free, defensive driver, multi-policy, good driver, claim-free, and good student.
- 21st Century includes discounts for teen driver, early bird, driver training, anti-lock brakes, student driver, 55 and older, and good student.
- Progressive may include discounts for online quote discount, homeowner, multi-vehicle, good student, and online signing.
The chart below shows the comparison of insurance rates with and without some available policy discounts. Data assumes a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with marriage, anti-theft, multiple policy, multiple vehicle, passive restraint, and vehicle safety discounts applied. When discounts are applied, theaverage amount saved on auto insurance for good drivers is 28% or $893.
How to find cheaper car insurance for good drivers
Below you’ll find some thrifty solutions that can help Bakersfield drivers locate low-cost auto insurance.
- Avoid at-fault accidents and claims
- Good credit scores may lower your rates
- Drive safely
- Higher comprehensive and collision coverage deductibles will save money
- Safe vehicles cost less to insure
- On older vehicles, drop full coverage
- Comparison shop at least every other year
The last item on the list is highly important, as was stressed in the prior information. Auto insurance prices fluctuate constantly, so drivers shouldn’t hesitate to buy a policy from a new company if a cheaper rate is available.
Having brand loyalty is commendable, but it isn’t a good idea if that faithfulness ends up costing you several hundred dollars every year. Spend a few minutes and compare prices to find cheaper insurance for good drivers in Bakersfield.