After getting a DUI, one of the more important components that are used to help calculate the annual cost of car insurance is your address. Cities with larger populations or higher claim trends likely pay more, whereas areas with less congestion get the luxury of paying less.
The following table ranks the most expensive cities in California for drivers with a DUI to purchase auto insurance in. Bakersfield comes in at #22 with an annual premium of $1,353 for the average policyholder, which is approximately $113 monthly.
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Premium amounts are estimated as the specific area where the vehicle is garaged can influence price quotes significantly.
Finding out which company has the lowest-priced insurance rates for drivers with a DUI requires a little more sweat in order to find the lowest price. Each insurance company uses their own method for determining prices, so let’s take a look at the overall cheapest insurance companies in Bakersfield.
We do need to point out that Bakersfield insurance rates are influenced by many factors that may substantially change the price of coverage. Turning one year older, increasing deductibles, or getting caught speeding may cause policy rate changes that can cause some rates to be more affordable than the competition.
Find Cheaper Auto Insurance after a DUI
USAA offers some of the cheapest car insurance rates in Bakersfield at around $1,121 annually. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the most economical Bakersfield, CA auto insurance companies.
As the rates illustrate above, if you are currently insured with Century National and switched to Wawanesa, you might achieve a yearly savings of around $45. California drivers with Nationwide may save as much as $82 a year, and 21st Century policyholders might reduce rates by $185 a year.
To find out how your current rates compare, click here or visit any of the companies below.
Remember that these estimates are averages across all insureds and vehicles and are not factoring in a specific location for drivers with a DUI. So the car insurance company that has the lowest price for you may not even be in the top 24 companies shown above. That points out the importance of why you need to compare prices as often as possible using your own driver and vehicle profiles.
Get discounts on Bakersfield car insurance rates
Auto insurance companies that offer cheap quotes for drivers with a DUI may also give you price discounts that could reduce prices by as much as 30% if you meet the requirements. A list of companies and some of their more popular discounts are:
- Esurance may offer discounts for Switch & Save, online shopper, online quote, safety device, and claim free.
- The Hartford includes discounts for vehicle fuel type, anti-theft, driver training, defensive driver, air bag, bundle, and good student.
- AAA offers discounts for AAA membership discount, pay-in-full, good student, anti-theft, and multi-car.
- GEICO discounts include federal employee, multi-vehicle, emergency military deployment, daytime running lights, good student, membership and employees, and air bags.
- State Farm has savings for good driver, safe vehicle, defensive driving training, accident-free, multiple policy, good student, and student away at school.
The diagram below shows the difference between auto insurance costs with and without discounts applied to the rates. The price estimates are based on a male driver, one violation and no accidents, California state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with anti-theft, multiple policy, vehicle safety, homeowner, paperless filing, and passive restraint discounts applied. When discounts are applied, theaverage amount saved on insurance for drivers with a DUI is 28% or $585.
Ratings for Bakersfield insurance companies
Selecting a high-quality insurance company is difficult considering how many companies there are to choose from in California. The company rank data below may help you choose which auto insurers to look at when trying find the best insurance for drivers with a DUI. The ratings below include companies with a nationwide focus, so smaller companies are not included in these rankings.
Top 10 Major Auto Insurance Providers in Bakersfield Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Top 10 Major 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+
The chart below highlights how deductible choice can change insurance rates when getting quotes for cheap insurance for drivers with a DUI. Data assumes a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The chart above illustrates that a 30-year-old driver could cut expenses by $460 a year by changing from a $100 deductible to a $500 deductible, or save $692 by using a $1,000 deductible. Younger drivers, like the Age 20 category, could shave $1,398 annually by selecting a higher deductible. When choosing a higher deductible, it is a good idea to have additional funds in a savings account to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
The professional agents shown below can probably help you decide which policy fits your needs best, as many consumers aren’t sure which coverage to buy and prefer to have the advice of a professional agent when trying to find lower insurance rates for drivers with a DUI. It can be hard to find the best coverage on your own, so a professional agent can provide comfort knowing your coverage gives you adequate protection in case of an accident or claim.
To locate a Bakersfield car insurance agency using an interactive map, click the button below the list or click here to compare price quotes now.
- Allstate Insurance: Shannon Hill
2500 New Stine Rd Ste 101 – Bakersfield, CA 93309 – (661) 836-1136
- Mike Boyer – State Farm Insurance Agent
9720 Brimhall Rd Ste 200 – Bakersfield, CA 93312 – (661) 588-1140
- Bill Thomas – State Farm Insurance Agent
8200 Stockdale Hwy Ste M3 – Bakersfield, CA 93311 – (661) 397-1999
- Mike Brazzell – State Farm Insurance Agent
3721 Columbus St – Bakersfield, CA 93306 – (661) 872-7770