How to find cheaper Bakersfield car insurance rates

Really, the only way to get discount car insurance rates is to make a habit of comparing prices annually from insurance carriers that insure vehicles in Bakersfield. You can shop around by following these steps.

Step 1: Try to learn about auto insurance and the measures you can take to prevent rate increases. Many policy risk factors that cause high rates such as multiple speeding tickets and a less-than-favorable credit score can be controlled by making minor driving habit or lifestyle changes.

Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO and Allstate, while agents who are independent can provide price quotes for a wide range of companies.

Step 3: Compare the price quotes to the price on your current policy to determine if you can save on insurance. If you find a lower rate, make sure coverage does not lapse between policies.

An important bit of advice to remember is to try to compare the same coverage limits and deductibles on each quote and and to get quotes from as many auto insurance providers as possible. Doing this ensures an apples-to-apples comparison and a complete price analysis.

The price of auto insurance coverage depends on a wide range of factors, but the average cost in Bakersfield is $1,433 for an annual policy. On average, the rest of the U.S. pays approximately $1,220, so Bakersfield drivers pay roughly $17 more each month than other American drivers.

Car insurance rates are calculated based on many factors, and one of the largest factors is the car, truck, or SUV you are insuring. The rate table below shows estimated prices for some of the more popular vehicles that Bakersfield drivers insure.

Auto Insurance Rates for Popular Vehicles in Bakersfield
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Equinox LTZ 2WD $1,626 $813 $136
Chevrolet Impala LT $1,488 $744 $124
Chevrolet Silverado LS Regular Cab 4WD $1,350 $675 $113
Dodge Ram Quad Cab SLT 4WD $1,608 $804 $134
Ford Escape XLT 2WD $1,256 $628 $105
Ford F-150 FX4 4WD $1,526 $763 $127
Ford Focus S 4-Dr Sedan $1,450 $725 $121
Honda Accord LX-P 4-Dr Sedan $1,256 $628 $105
Honda CR-V LX 2WD $1,256 $628 $105
Honda Civic DX 2-Dr Coupe $1,708 $854 $142
Jeep Grand Cherokee SRT-8 4WD $1,626 $813 $136
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,406 $703 $117
Kia Optima SX $1,708 $854 $142
Mazda 3 S Grand Touring 4-Dr Hatchback $1,626 $813 $136
Nissan Altima 2.5 S 2-Dr Coupe $1,708 $854 $142
Nissan Rogue SL AWD $1,670 $835 $139
Toyota Camry XLE $1,588 $794 $132
Toyota Corolla XRS $1,626 $813 $136
Toyota RAV4 Limited 4WD $1,488 $744 $124
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate information does not factor in Bakersfield location which can increase or decrease premiums significantly.

Discounts for lower Bakersfield auto insurance rates

The illustration below shows the difference between car insurance rates with and without discounts applied. The price estimates are based on a male driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, safe-driver, multi-policy, and marriage discounts applied.

Brand loyalty may be costing you hundreds every year. Compare rates now and save.

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Bakersfield, California Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Top 10 cheapest vehicles to insure in Bakersfield, CA
Honda Fit
Hyundai Accent
Mini Cooper
Honda Accord
Chrysler PT Cruiser
Hyundai Elantra
Honda CR-V
Mazda 5
Chevrolet Colorado
Mazda MX-5 Miata

Top 10 most expensive vehicles to insure in Bakersfield, CA
Mercedes-Benz CL65 AMG
Mercedes-Benz S65 AMG
Audi R8
Mercedes-Benz CL600
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
Mercedes-Benz S63 AMG
Porsche 911

Top 10 safest vehicles to insure in Bakersfield, CA
Ford Expedition EL
Ford Escape
Nissan Titan
Toyota Tacoma
Infiniti QX56
Chevrolet Equinox
Toyota FJ Cruiser
Jeep Wrangler
GMC Acadia
Volvo XC60