Who Has Affordable Car Insurance Rates for 4×4 Vehicles in Bakersfield?

For off-road vehicles, one of the big criteria that are looked at to determine insurance cost is where you keep your vehicle in Bakersfield. Cities with larger populations will most likely have higher rates, whereas areas with less congestion have the luxury of cheap car insurance rates.

The next table lists the highest-priced places in California for 4×4 vehicles in which to purchase auto insurance. Bakersfield ranks #24 with the yearly price of $1,340 on average, which is approximately $112 monthly.

How much does car insurance cost in Bakersfield, CA?
Rank City Annual Rate
1 Los Angeles $2,146
2 Glendale $2,079
3 San Francisco $1,763
4 Oakland $1,704
5 Sacramento $1,652
6 Long Beach $1,626
7 San Bernardino $1,596
8 Garden Grove $1,570
9 Stockton $1,556
10 Santa Clarita $1,548
11 Modesto $1,532
12 Fontana $1,519
13 Moreno Valley $1,506
14 Riverside $1,497
15 Anaheim $1,488
16 Fresno $1,457
17 Santa Ana $1,453
18 San Jose $1,423
19 Huntington Beach $1,416
20 Fremont $1,389
21 San Diego $1,368
22 Chula Vista $1,350
23 Irvine $1,343
24 Bakersfield $1,340
25 Oxnard $1,304
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Rate quotes are approximated as vehicle location can alter rates considerably.

Finding dependable, low-priced auto insurance is not the easiest thing to do, and determining which companies have the cheapest auto insurance rates for 4×4 vehicles will involve more quotes for comparison. Each insurance company uses a slightly different approach for establishing rates, so let’s take a look at the lowest cost auto insurance companies in Bakersfield, CA.

Cheap Insurance Rates for 4×4’s

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Cheapest auto insurance in California ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,121
2 Century National $1,190
3 Wawanesa $1,192
4 CSAA $1,234
5 Nationwide $1,263
6 21st Century $1,325
7 Grange $1,447
8 Progressive $1,496
9 Allstate $1,497
10 GEICO $1,513
11 Mercury $1,533
12 Allied $1,541
13 The Hartford $1,575
14 MetLife $1,606
15 State Farm $1,733
16 Unitrin $1,733
17 Esurance $1,756
18 Bristol West $1,795
19 Travelers $1,806
20 Farmers $2,026
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USAA offers 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. Century National, Wawanesa, CSAA, and Nationwide also rank well as some of the more affordable Bakersfield, CA auto insurance companies.

As shown in the table above, if you have coverage with CSAA and switched to Century National, you could see an annual savings of approximately $44. California drivers with Nationwide might save as much as $73 a year, and 21st Century insureds might see rate reductions of $135 a year.

If you would like to find cheaper car insurance rates, click here to start your custom quote or visit any of the low-priced companies below.

Bear in mind that those prices are averages for all drivers and vehicles in California and do not take into consideration a specific location for 4×4 vehicles. So the insurer that is best for you may not even be in the top 24 companies in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.

Insuring your vehicle with a good quality company can be rather challenging considering how many choices you have in California. The company ratings listed below can help you analyze which providers to look at buying from.

The rankings below only include companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in California are not factored into these rankings. To get rate quotes and find cheaper insurance for 4×4 vehicles, click here.

Top 10 Large Auto Insurance Companies in Bakersfield Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

Top 10 Large Auto Insurance Companies in Bakersfield Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Safe drivers Bakersfield pay cheaper rates

The easiest method to get the best auto insurance rates in Bakersfield for off-road vehicles is to drive carefully and avoid accidents and keep your driving record clean. The example below illustrates how speeding tickets and at-fault claims can drive up annual premium costs for different categories of driver ages. The price estimates are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

In the prior example, the average cost of an auto insurance policy per year with no violations or accidents is $2,812. Factor in one speeding ticket and the average cost jumps to $3,165, an increase of $352 each year. Next add one accident along with the one speeding ticket and the yearly cost of auto insurance for 4×4 vehicles jumps again to an average of $4,170. That’s an increase of $1,358, or $113 per month, just for a couple of infractions!

Difference between liability only and full coverage rates

Reducing the cost of auto insurance is the goal of most drivers, and one of the easiest ways to buy cheaper insurance for 4×4 vehicles is to buy only liability coverage. The illustration below visualizes the comparison of car insurance rates with and without physical damage coverage. The costs are based on a clean driving record, no claims, $500 deductibles, marital status is single, and no discounts are applied.

Averaged for all age groups, physical damage coverage on your policy costs $2,075 per year more than just insuring for liability. A very common question is when is it a good idea to stop buying full coverage. There is no definitive guideline for eliminating physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s book value is $10,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $9,500 after paying your deductible. If you are paying more than $950 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some situations where removing full coverage is not advised. If you still owe money on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Why are you paying too much for Bakersfield car insurance?

California auto insurance rates are calculated based on many things which can significantly increase or decrease the price you pay. Improving your credit score, becoming a homeowner, or getting caught speeding can cause premium changes that can now make some companies cheaper than competitors. In addition to those changes, insurance companies change their prices as often as every quarter to adjust for heavy claims or excess profits. A period of higher than normal claims may result in more expensive premiums, while less frequent claims can cause lower-priced Bakersfield car insurance rates.

The bar chart below shows rates for the cheapest car insurance in Bakersfield, CA for a 40-year-old female driver with no prior claims, no tickets, and a good credit rating. If we compare prices based on her current rating profile, USAA might offer the lowest car insurance rates in Bakersfield at $1,175 each year. This is $476 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the rest of the top five cheapest Bakersfield, CA auto insurance companies.

Now we will pretend the driver from the first example a claim surcharge, a lower credit rating, and a few traffic violations. Since each company has a different process to set premium rates, comparing rates may now result in a significantly different list of affordable Bakersfield car insurance companies as shown below.

Grange now has the lowest price in Bakersfield with Progressive, Allstate, Mercury, and Allied also having competitive pricing. This example shows why it is crucial to compare lots of rates to find affordable insurance rates for 4×4 vehicles. Auto insurance prices are calculated by many different factors and change dramatically, so the best company the last time you shopped around may now be quite expensive.