Shopping around for low-priced auto insurance is easier said than done, and determining which company quotes the cheapest insurance rates for hybrid vehicles will take additional perseverance. Each company uses a little different formula for determining prices, so let’s take a look at the insurance companies with the most affordable rates in Bakersfield.
Best Auto Insurance Prices for Hybrids
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,222 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,503 |
| 9 | Allstate | $1,543 |
| 10 | Progressive | $1,558 |
| 11 | The Hartford | $1,575 |
| 12 | GEICO | $1,575 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,638 |
| 15 | Unitrin | $1,699 |
| 16 | State Farm | $1,699 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,026 |
| View More Rates Go | ||
USAA may have some of the lowest car insurance rates in Bakersfield at around $1,155 each year. This is $496 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the more affordable Bakersfield, CA auto insurance companies.
In this example, if you are a policyholder with CSAA and switched to USAA, you might see annual savings of in the neighborhood of $67. Policyholders with Century National could save as much as $71 a year, and Nationwide insureds might see rate reductions of $95 a year.
To find cheaper insurance rates for your vehicle, click here to begin a quote or visit any of the low-priced companies below.
It’s important to note that these prices are averaged for all types of drivers and the different vehicles they drive and and are not figured with a specific location for hybrid vehicles. So the company that can offer you the lowest price may not even be in the top 24 companies in the list above. That helps illustrate why you need to compare prices as often as possible using your own driver information and specific vehicle type.
The car, truck, or SUV needing coverage is probably the biggest factor when consumers are trying to find cheaper auto insurance for hybrid vehicles. Vehicles with limited top-end speed, modern passenger safety features, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models. The information below illustrates insurance costs for a number of the most affordable vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $871 |
| Honda CR-V LX 4WD | $879 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $957 |
| Chevrolet Malibu Hybrid | $1,032 |
| Ford F-150 Lariat Super Cab 4WD | $1,051 |
| Toyota Camry SE | $1,084 |
| Toyota Corolla XLE | $1,092 |
| Ford Edge Sport AWD | $1,084 |
| Ford Fusion SE 4-Dr Sedan | $1,104 |
| Jeep Grand Cherokee Limited 2WD | $1,111 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,104 |
| Toyota Prius | $1,108 |
| Toyota Tacoma 4WD | $1,120 |
| Dodge Ram Quad Cab TRX4 Off Road 2WD | $1,125 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,159 |
| Nissan Rogue SL AWD | $1,167 |
| Chevrolet Impala LT | $1,182 |
| Start a Quote Go | |
Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific zip code location which can raise or lower insurance rates greatly.
Based on these rates, you can conclude that models like the Ford Escape, Honda CR-V, Jeep Wrangler, Chevrolet Malibu, and Ford F-150 are most likely to be some of the more affordable vehicles to insure for hybrids.
Selecting the right insurance company is difficult considering how many different insurance companies sell coverage in Bakersfield. The ranking data shown next could help you decide which car insurance companies to look at when comparing auto insurance rates for hybrid vehicles.
The ratings below are only comprised of major nationwide insurance companies, so smaller regional companies are not factored into the list. To get rate quotes and find the cheapest rates for hybrid vehicles, just click here.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Insurance rates are higher with tickets and accidents
The common sense way to find the best insurance rates for hybrids is to drive cautiously and avoid accidents and traffic violations. The information below demonstrates how citations and at-fault collisions can raise auto insurance rates for different ages of insureds. The rates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of a car insurance policy per year with no accidents or violations is $2,939. Get written up for one speeding ticket and the average cost surges to $3,375, an increase of $436 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of insurance for hybrid vehicles increases to an average of $7,020. That’s an increase of $4,081, or $340 per month, just for not driving carefully!
Here’s why you should compare rates often
Bakersfield, CA insurance rates are impacted by many things which can substantially change the cost of having a policy. Simply having another birthday, getting married, or getting caught speeding may generate price changes resulting in some rates now being cheaper than before. In addition, car insurance companies change the rates they charge in California as needed to reflect underwriting profits or losses. Higher than usual claims may result in higher prices, while a lower level of claims can cause more affordable Bakersfield car insurance rates.
As an example, the data below shows rates for the cheapest car insurance in Bakersfield, CA for a 35-year-old male driver with no prior claims, no tickets, and a good credit rating. When quoting prices based on his current rating profile, Wawanesa may have the most affordable car insurance rates in Bakersfield at $1,213 a year. This is $438 less than the average policy premium paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide are also on the list of the top five cheapest Bakersfield, CA auto insurance companies.
The chart below compares rates after we give the driver from the above example a chargeable accident, poor credit, and a few traffic violations. Due to the fact that each insurance company has a different formula for setting rates, analyzing rates may now result in a different ranking of companies as shown below.
Grange now has the lowest car insurance rate in Bakersfield, CA with Progressive, Allstate, Mercury, and Allied completing the list. This example proves why it is crucial to compare lots of rates to find the most affordable insurance rates for hybrid vehicles. Insurance rates consist of many risk factors and change frequently, so the cheapest option two years ago may now not even be in the top five.
The Bakersfield, CA, insurance agents below are willing to provide answers to your questions and help you determine which coverages and limits you need, since lots of people like to have professional advice when comparing insurance rates for hybrids. It can be challenging to find the cheapest rate yourself, and a licensed agent can give you comfort knowing your policy gives you enough coverage if you have a claim.
To locate an agency by location nearest to you, click the button after the list or click here to compare price quotes.
Farmers Insurance: Grant Fortt
2623 F St – Bakersfield, CA 93301 – (661) 829-4499
Kelli Davis – State Farm Insurance Agent
2665 Calloway Dr #206 – Bakersfield, CA 93312 – (661) 829-1011
Omega Financial and Insurance Services Inc
400 H St – Bakersfield, CA 93304 – (661) 326-6870
Lorena Magana Insurance Agency, Inc.
4141 Ming Ave – Bakersfield, CA 93309 – (559) 783-9550
Farmers Insurance: Ruth Escobar
400 Chester Ave – Bakersfield, CA 93301 – (661) 631-2420
More Bakersfield, CA insurance agents
How to find economical auto insurance for hybrid vehicles
Below you’ll find many money-saving solutions that can help you buy cheap coverage.
- Avoid getting citations and tickets
- Good credit can save money
- Increase your comprehensive and collision deductibles
- Get cheaper liability coverage by choosing a safer vehicle
- Avoid preventable accidents
- Look for cheaper rates once a year by shopping around
The last idea is highly critical, as we stressed in the prior information. Car insurance prices can be changed at any time, so drivers shouldn’t hesitate to buy from a new company if a lower price can be found.
Loyalty to a specific company is fine, but it’s not recommended if that loyalty results in overpaying major coinage every year. In less than five minutes you could compare rates to find cheaper car insurance for hybrid vehicles in Bakersfield.