The vehicle model requiring coverage is one of the largest factors when trying to find the best cheap car insurance for nurses. Vehicles with more horsepower, a lack of modern safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer models.
The next list shows coverage premiums for a number of the more affordable vehicles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $837 |
| Toyota Prius | $926 |
| Toyota Camry LE | $991 |
| Chevrolet Malibu LT | $1,009 |
| Ford Explorer Eddie Bauer AWD | $1,014 |
| Ford Escape XLS 2WD | $1,028 |
| Hyundai Elantra GLS Touring Station Wagon | $1,034 |
| Chevrolet Impala LTZ | $1,042 |
| GMC Sierra SL Crew Cab 2WD | $1,061 |
| Dodge Ram Quad Cab SLT 4WD | $1,080 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,094 |
| Ford F-150 XLT Super Cab 4WD | $1,099 |
| Ford F-350 XLT Crew Cab Lariat 2WD | $1,101 |
| Hyundai Sonata SE 4-Dr Sedan | $1,113 |
| Toyota Camry Hybrid | $1,132 |
| Kia Optima EX | $1,138 |
| Ford Fusion Sport AWD 4-Dr Sedan | $1,134 |
| Toyota RAV4 Sport 2WD | $1,138 |
| Chevrolet Equinox LT AWD | $1,144 |
| Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD | $1,153 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,159 |
| GMC Sierra 2500HD SLT Extended Cab 2WD | $1,184 |
| Dodge Ram 2500 Crew Cab Laramie 2WD | $1,192 |
| Compare Rates Now Go | |
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Information does not factor in Bakersfield, CA location which can increase or decrease insurance rates substantially.
Looking at the rates, we can infer that vehicles like the Honda CR-V, Toyota Prius, Toyota Camry, Chevrolet Malibu, and Ford Explorer will be a few of the cheapest vehicles to insure for health professionals.
Comparing rates for cheap insurance is challenging, and figuring out which company has the best car insurance rates for nurses will take a bit more work. Every insurance provider has a unique approach to set their prices, so first let’s look at the rankings for the most competitive car insurance companies in California.
Find the Best Cheap Insurance for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,192 |
| 3 | CSAA | $1,198 |
| 4 | Century National | $1,214 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,512 |
| 9 | GEICO | $1,513 |
| 10 | Mercury | $1,533 |
| 11 | Allstate | $1,543 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,588 |
| 14 | MetLife | $1,638 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $1,946 |
| Find Cheaper Rates Go | ||
USAA may have some of the cheapest car insurance rates in Bakersfield at around $1,155 each year. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the most economical Bakersfield, CA car insurance companies.
As shown in the rates above, if you buy coverage from Wawanesa and switched to USAA, you could see annual savings of roughly $37. Policyholders with CSAA may save as much as $43 a year, and Century National customers might lower prices by $59 a year.
To see if your current coverage is too expensive, click here or click several companies below for low rates.
Remember that these premiums are averages across all drivers and vehicles in California and do not take into consideration an exact zip code location for nurses. So the car insurance company that can offer you the best price may not even be in the top 24 companies in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own driver data and vehicle information.
Car insurance rates are higher with tickets and accidents
A great way to find low car insurance prices for health professionals is to drive safely and have a clean driving record. The example below illustrates how speeding tickets and at-fault accidents can raise premium costs for different age categories. The rate quotes are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
The data above shows the average cost of auto insurance per year with no accidents or violations is $2,426. Receive two speeding tickets and the average cost surges to $3,265, an increase of $839 each year. Next add two accidents along with the two speeding tickets and the annual cost of car insurance for nurses increases to an average of $6,224. That’s an increase of $3,798, or $317 per month, just for being a careless driver!
Ending up with a good quality car insurance company is hard considering how many companies there are to choose from in California. The company information displayed below could help you decide which car insurance companies to look at comparing rates from.
These rankings are only comprised of companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in California are not included in the list. To compare prices and find the cheapest rates for nurses, click here.
Top 10 Large Auto Insurance Providers in Bakersfield Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Large Auto Insurance Providers in Bakersfield Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
How to find the cheapest insurance for nurses
It’s not impossible to find cheaper rates, and here are a few thrifty suggestions that can help drivers locate lower-cost coverage.
- Just one traffic violation will increase your rates
- Increase your credit rating
- Claim-free drivers earn discounts
- Having at-fault accidents will increase rates
- Get cheaper liability coverage by choosing a safer vehicle
- Shop around for cheaper prices
The last suggestion is very crucial, as was discussed in the article above. Insurance rates in Bakersfield change constantly, so don’t hesitate to buy a policy from a new company if a cheaper rate is available. Having a favorite company is fine, but it’s not recommended if it’s costing you lots of hard earned cash every month. It only take a few minutes to compare rates and find cheaper insurance for nurses.
If you would rather get help from a professional when shopping for cheaper insurance for nurses, the professional agents shown below are a good start to answer your questions and help you decide which coverages you need. To find a Bakersfield insurance agent close to where you live, click the button below the list.
Nationwide Insurance: Mountain Pacific Insurance And Financial Services
3100 19th St #250 – Bakersfield, CA 93301 – (661) 873-4780
Allstate Insurance: Charles Brummer
4300 Coffee Rd, Ste A4 – Bakersfield, CA 93308 – (661) 283-0300
Kelli Davis – State Farm Insurance Agent
2665 Calloway Dr #206 – Bakersfield, CA 93312 – (661) 829-1011
Allstate Insurance: Megan Waite
4200 Easton Dr #1 – Bakersfield, CA 93309 – (661) 327-3486
James Stuart – State Farm Insurance Agent
5125 Ming Ave – Bakersfield, CA 93309 – (661) 831-6266