The car, truck, or SUV requiring coverage is probably the largest consideration when quoting the cheapest coverage for welfare recipients. Vehicles with high performance features, poor safety ratings, or a track record of large liability claims will cost more to insure than safer models.
The information below outlines car insurance prices for a selection of the most affordable automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $699 |
| Honda CR-V EX 4WD | $718 |
| Hyundai Elantra SE Touring Station Wagon | $760 |
| Toyota Prius | $777 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $787 |
| Ford Focus S 4-Dr Sedan | $812 |
| Dodge Grand Caravan Crew | $846 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $851 |
| Chevrolet Malibu LT | $846 |
| Ford Escape Limited 4WD | $857 |
| Chevrolet Impala LTZ | $873 |
| Toyota Camry SE | $883 |
| Hyundai Sonata GLS 4-Dr Sedan | $887 |
| Ford F-150 Lariat Crew Cab Harley 2WD | $889 |
| Honda Odyssey Touring | $894 |
| Dodge Ram Quad Cab SLT 4WD | $904 |
| Toyota RAV4 Limited 4WD | $909 |
| Volkswagen Jetta S 4-Dr Sedan | $904 |
| Ford Edge SEL AWD | $906 |
| Ford Explorer Eddie Bauer AWD | $924 |
| Chevrolet Silverado LT Extended Cab 4WD | $928 |
| Ford Fusion Sport AWD 4-Dr Sedan | $949 |
| Nissan Rogue S AWD | $989 |
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in specific zip code location which can modify prices significantly.
Looking at the rates, you can presume that models like the Honda Accord, Honda CR-V, Hyundai Elantra, and Toyota Prius should be some of the more affordable vehicles to insure for drivers on welfare.
For drivers on welfare, one of the more important criteria that are looked at to help calculate auto insurance rates is the neighborhood you call home. More populated areas will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.
The following table shows the priciest cities in California for welfare recipients to purchase auto insurance in. Bakersfield ranks #19 with the yearly price of $1,394 for the average policy, which is about $116 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,058 |
| 3 | Sacramento | $1,720 |
| 4 | San Francisco | $1,693 |
| 5 | Oakland | $1,687 |
| 6 | San Bernardino | $1,596 |
| 7 | Long Beach | $1,562 |
| 8 | Stockton | $1,541 |
| 9 | Fontana | $1,535 |
| 10 | Santa Clarita | $1,533 |
| 11 | Garden Grove | $1,524 |
| 12 | Fresno | $1,517 |
| 13 | Riverside | $1,497 |
| 14 | Moreno Valley | $1,491 |
| 15 | Modesto | $1,487 |
| 16 | Anaheim | $1,444 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,423 |
| 19 | Bakersfield | $1,394 |
| 20 | San Diego | $1,381 |
| Compare Prices Now Go | ||
Premium amounts are estimated as the specific geographic location can raise or lower coverage rates greatly.
Locating affordable insurance is hard enough, and deciding which company quotes the most affordable car insurance rates for welfare recipients may require even more rate comparisons. Each insurer has their own unique process for setting rates, so let’s take a look at the car insurance companies with the overall cheapest rates in California.
It’s a good idea to be aware that California car insurance rates are based on many factors which can substantially change the policy price. This price variability is why it is crucial to perform a complete rate comparison to find cheap car insurance rates for welfare recipients. Car insurance prices are made up of many things and can increase or decrease at any time, so the cheapest option six months ago may now be an over-priced policy.
Best Insurance Companies in California
USAA normally has some of the most affordable car insurance rates in Bakersfield at around $1,143 per year. Wawanesa, Century National, Nationwide, and CSAA also are some of the most economical Bakersfield, CA insurance companies.
In the rate table above, if you buy coverage from Century National and switched to USAA, you could see an annual savings of about $83. Drivers with Nationwide might save as much as $83 a year, and CSAA policyholders might reduce rates by $91 a year.
To get a fast rate comparison, click here to start a quote or quote prices from the following companies.
It’s important to note that these estimates are averaged for all ages of drivers and types of vehicles and and are not calculated with a specific location for welfare recipients. So the company that is best for you may not even be in the list above. That helps illustrate why you need to quote rates from many companies using your own personal information and vehicle type.
How careless driving impacts Bakersfield car insurance rates
A great way to snag the best car insurance prices in Bakersfield for drivers on welfare is to drive cautiously and avoid traffic citations and accidents. The chart below shows how traffic citations and accidents can affect auto insurance costs for different insured age categories. The premiums are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are factored in.
The data charted above shows the average cost of a car insurance policy in California per year with a clean driving record and no accidents is $1,418. Receive one speeding ticket and the average cost hikes up to $1,657, an increase of $239 each year. Now include one accident along with the one speeding ticket and the annual cost of car insurance for welfare recipients goes up to an average of $2,313. That’s an increase of $895, or $75 per month, just for not paying attention while driving!
Price comparison of only insuring for liability
Saving money on car insurance is probably important to most drivers, and one of the best ways to pay lower rates for insurance for welfare recipients is to only pay for liability coverage. The chart below shows the comparison of car insurance costs with full physical damage coverage and with liability coverage only. The premiums assume no claims or violations, $100 deductibles, marital status is single, and no policy discounts are applied.
Averaged for all age groups, comp and collision coverage costs $3,385 per year more than insuring for liability only. That amount may make you wonder if it’s worth it to buy full coverage. There is no definitive guideline to exclude comp and collision coverage, but there is a general convention. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
There are some cases where only buying liability is not financially feasible. If you still owe money on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not buy liability only.
The agencies below are a good start to help you decide which coverage meets your needs best, since some drivers wish to have some advice when trying to find the best insurance rates for drivers on welfare. It can be time-consuming to find the best rates on your own, and getting professional guidance from a licensed agent can give comfort knowing your coverage gives you sufficient coverage for your assets.
To find an agent close to you, click the link at the bottom or click here to compare prices now.
Keith Goree – State Farm Insurance Agent
11350 Ming Ave #230 – Bakersfield, CA 93311 – (661) 663-9000
Kathy Herm – State Farm Insurance Agent
93314, 6515 Panama Ln #104 – Bakersfield, CA 93313 – (661) 832-1020
Farmers Insurance: Eric Peters
1519 Eye St – Bakersfield, CA 93301 – (661) 872-8113
View more Bakersfield, CA insurance agencies
How to find cheaper auto insurance for welfare recipients
The list below shows some of the better money-saving ideas that can help drivers get lower-cost auto insurance.
- Raise your deductibles
- At-fault accidents can raise rates significantly
- You will pay more if you get tickets or have at-fault accidents
- Safer vehicles cost less to insure
- Save money by only buying liability coverage for older vehicles
- Better credit scores save money
- Compare prices frequently to find the best deal
The last suggestion is particularly critical, as we discussed in the prior information. Coverage rates can change considerably in a year, so drivers shouldn’t be reluctant to buy a policy from a new company if you find a better deal. Brand loyalty is not necessarily bad, but we do not recommend it if that loyalty results in overpaying a small fortune year after year. If you have a few minutes, shop around and find cheaper car insurance for welfare recipients in Bakersfield.