Who Has Affordable Auto Insurance for Single Moms in Bakersfield?

The words “low-priced” and “insurance” probably shouldn’t be used in the same sentence, specifically when comparison shopping for the best car insurance rates for single moms. Because of the high cost, let’s take a look at some situations that significantly impact car insurance prices, and figure out some ideas to lower the cost of the next policy you buy.

Locating cost effective car insurance is difficult, and figuring out which companies offer the lowest-priced insurance rates for single moms will take even more work. Every auto insurer uses a little different formula to set policy rates, so we need to take a look at the overall cheapest insurance companies in Bakersfield, CA.

It’s important that readers know that Bakersfield, CA insurance rates are determined by lots of factors which can substantially change the price you have to pay for coverage. This price fluctuation is why it is critical to compare many different companies to get the cheapest car insurance quotes for single moms. Insurance rates are made up of many factors and can increase or decrease at any time, so the most affordable company two years ago may now be priced much higher than other options.

Best Car Insurance Prices for Single Moms

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What’s the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,157
3 CSAA $1,198
4 Century National $1,226
5 Nationwide $1,263
6 21st Century $1,379
7 Grange $1,477
8 Mercury $1,488
9 Allstate $1,513
10 Allied $1,541
11 Progressive $1,542
12 GEICO $1,575
13 MetLife $1,606
14 The Hartford $1,623
15 Unitrin $1,699
16 Esurance $1,705
17 State Farm $1,733
18 Bristol West $1,777
19 Travelers $1,860
20 Farmers $1,966
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USAA generally has some of the best car insurance rates in Bakersfield at around $1,121 each year. This is $530 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the most economical Bakersfield, CA insurance companies.

In the above rates, if you buy coverage from Wawanesa and switched to USAA, you might achieve a yearly savings of upwards of $36. California drivers with CSAA could save as much as $77 a year, and Century National insureds might lower prices by up to $105 a year.

It’s important to note that these policy rates are averaged for all insureds and vehicles and do not factor in an exact vehicle garaging location for single moms. So the car insurance company that is best for you may not even be in the top 24 companies in the list above. That’s why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

For single parents, one of the big components that help determine insurance cost is where you choose to live in Bakersfield. Cities with more crime and/or more people will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.

The table below shows the highest-priced areas in California for single moms to purchase car insurance in. Bakersfield is ranked #22 with a yearly premium of $1,353 for the average insurance policy, which is about $113 per month.

How much does car insurance cost in Bakersfield, CA?
Rank City Annual Premium
1 Los Angeles $2,168
2 Glendale $2,121
3 San Francisco $1,763
4 Oakland $1,704
5 Sacramento $1,669
6 Long Beach $1,626
7 Stockton $1,603
8 San Bernardino $1,596
9 Moreno Valley $1,551
10 Modesto $1,547
11 Riverside $1,542
12 Fontana $1,535
13 Santa Clarita $1,533
14 Garden Grove $1,524
15 Fresno $1,457
16 Santa Ana $1,439
17 San Jose $1,437
18 Anaheim $1,430
19 Fremont $1,403
20 Irvine $1,384
21 Huntington Beach $1,360
22 Bakersfield $1,353
23 Chula Vista $1,350
24 San Diego $1,327
25 Oxnard $1,304
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Rates are comparative as the specific Bakersfield residence address can change auto insurance rates noticeably.

The vehicle model you are trying to insure is one of the biggest factors in finding low-cost car insurance for single moms. Vehicles with lower performance, a great safety record, or a low likelihood of having liability claims will cost much less to insure than high performance models. The data below illustrates insurance rates for a handful of the most economical vehicles to insure in California.

Cheapest Vehicles to Insure in Bakersfield, CA
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V LX 4WD $836
Ford Escape Limited 4WD $907
Ford F-150 STX Super Cab 2WD $919
Chevrolet Impala LS $971
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,009
Dodge Grand Caravan Crew $1,018
Kia Optima LX $1,058
Chevrolet Equinox LTZ 2WD $1,060
Ford Focus SE 2-Dr Coupe $1,110
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,125
GMC Sierra SLT Crew Cab 4WD $1,133
Toyota Prius $1,141
Dodge Ram Crew Cab Laramie 4WD $1,202
Chevrolet Silverado LS Regular Cab 2WD $1,212
Toyota Corolla XRS $1,217
Jeep Grand Cherokee Limited 4WD $1,212
Toyota Camry LE $1,214
Volkswagen Jetta LE 4-Dr Sedan $1,220
Toyota RAV4 Sport 2WD $1,214
Chevrolet Malibu Hybrid $1,224
Ford Explorer Limited 4WD $1,239
GMC Sierra 2500HD SLT Crew Cab 4WD $1,272
Hyundai Elantra GLS 4-Dr Sedan $1,278
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price information does not factor in your specific Bakersfield, CA location which can impact auto insurance rates greatly.

Looking at the rates, you can assume that cars like the Honda CR-V, Ford Escape, Ford F-150, Chevrolet Impala, and Toyota Tacoma are a few of the cheaper vehicles to insure for single parents.

The diagram below illustrates how your choice of deductibles can influence insurance prices when researching cheap insurance for single moms. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are factored in.

The data above shows that a 40-year-old driver could lower rates by $362 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $546 by selecting a $1,000 deductible. Younger drivers, such as the Age 20 example, could roll back prices $1,190 or even more by choosing a larger deductible amount.

When increasing deductibles, it is important to have enough funds in savings to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Illustration showing the impact of accidents and violations

In a perfect world, the best way to enjoy good insurance prices in Bakersfield for single parents is to be a careful driver and have a clean driving record. The diagram below highlights how traffic violations and fender-benders can affect annual premium costs for different age groups of insureds. The rate quotes are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

In the prior example, the average cost of auto insurance in California per year with no accidents or violations is $2,882. Factor in one speeding ticket and the average cost jumps to $3,312, an increase of $430 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of insurance for single moms increases to an average of $6,941. That’s an increase of $4,059, or $338 per month, just for being a little careless behind the wheel!

Ideas for buying more affordable auto insurance for single moms

Lowering your rates is not difficult, and here are some of the better money-saving solutions that can help California drivers find low-cost coverage.

The final tip is very significant, as we discussed in the prior article. Auto insurance rates vary considerably, so don’t be hesitant to buy from a different company if you can find a cheaper rate. Staying with the same car insurance company is fine, but it’s not recommended if that inflexibility results in costing you a lot of money. Spend a few minutes and compare prices and find cheaper auto insurance for single moms in Bakersfield.