What Auto Insurance is Cheapest for Handicapped Drivers in Bakersfield?

The words “cheap” and “insurance” really shouldn’t be used in the same sentence, in particular when comparison shopping for the lowest insurance rates for handicapped drivers. Because it’s not cheap, let’s start off by going over some of the factors that have a considerable impact on car insurance premiums, and see if you can cut the cost of the next policy you buy.

The type of vehicle you are seeking coverage for is a significant factor that determines the availability of the most economical auto insurance for handicapped drivers. Vehicles with lots of horsepower, a lack of modern safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer models.

The information below showcases coverage costs for a selection of the most affordable vehicles to insure in California.

Cheapest Vehicles to Insure in Bakersfield, CA
Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $837
Honda Odyssey LX $920
Ford Edge Limited 2WD $972
GMC Sierra SLE Crew Cab 2WD $991
Ford Escape XLT 2WD $1,028
Toyota Camry XLE $1,042
Honda CR-V EX 4WD $1,053
Nissan Altima Hybrid 4-Dr Sedan $1,061
GMC Sierra 2500HD SLE Regular Cab 4WD $1,070
Chevrolet Malibu LTZ $1,061
Hyundai Sonata GLS 4-Dr Sedan $1,067
Jeep Wrangler Sport 4WD 2-Dr $1,061
Toyota Prius $1,068
Nissan Rogue SL 2WD $1,061
Toyota Tacoma 2WD $1,115
Ford Fusion Sport AWD 4-Dr Sedan $1,134
Toyota RAV4 Limited 2WD $1,138
Volkswagen Jetta S 4-Dr Sedan $1,147
Chevrolet Equinox LT 2WD $1,138
Ford Explorer Limited AWD $1,159
Hyundai Elantra SE 4-Dr Sedan $1,196
Toyota Corolla S $1,206
Dodge Grand Caravan Hero $1,215
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate information does not factor in zip code location which can change prices noticeably.

Based upon the rates shown, makes and models like the Honda Accord, Honda Odyssey, Ford Edge, GMC Sierra, and Ford Escape are going to be the less-costly vehicles to insure for drivers with handicaps.

Deciding which companies have the most affordable auto insurance rates for handicapped drivers requires a little more sweat in order to find the best price. Each auto insurer uses different criteria to set premium rates, so let’s rank the lowest cost auto insurance companies in Bakersfield, CA.

It’s important that readers know that Bakersfield auto insurance rates are based on many factors that can increase the cost of your policy. Improving your credit score, having a teen driver, or getting a speeding ticket can produce rate changes resulting in some rates now being more affordable than others.

Cheap Insurance Rates in California

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,181
3 Nationwide $1,213
4 CSAA $1,222
5 Century National $1,226
6 21st Century $1,325
7 Grange $1,491
8 Progressive $1,496
9 Mercury $1,503
10 GEICO $1,513
11 Allied $1,541
12 Allstate $1,543
13 MetLife $1,590
14 The Hartford $1,639
15 Unitrin $1,682
16 Esurance $1,688
17 State Farm $1,699
18 Travelers $1,842
19 Bristol West $1,849
20 Farmers $1,946
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USAA may offer some of the cheapest car insurance rates in Bakersfield at around $1,143 per year. This is $508 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Nationwide, CSAA, and Century National are also some of the cheaper Bakersfield, CA auto insurance companies.

As the rates illustrate above, if you have coverage with CSAA and switched to USAA, you might realize savings of approximately $79. Insureds with Century National may save as much as $83 a year, and 21st Century policyholders might reduce rates by $182 a year.

To get a quick, customized rate comparison, click here to start your custom quote or visit any of the companies below.

Bear in mind that those estimates are averages across all drivers and vehicles and are not factoring in an exact zip code location for handicapped drivers. So the car insurance company that can offer you the best price may not even be in the list above. That’s why you need to get car insurance quotes using your own specific driver information and vehicle.

For drivers with handicaps, one of the big considerations that help determine the price you pay for insurance is where your car is garaged. Larger areas are more likely to pay higher prices, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.

The information below ranks the most costly cities in California for handicapped drivers to purchase a policy in. Bakersfield makes the list at #20 with the yearly price of $1,381 for the average policyholder, which is about $115 each month.

How much is auto insurance in Bakersfield, CA?
Rank City Annual Premium
1 Los Angeles $2,083
2 Glendale $2,058
3 Oakland $1,755
4 Sacramento $1,703
5 San Francisco $1,693
6 Santa Clarita $1,595
7 San Bernardino $1,580
8 Long Beach $1,578
9 Stockton $1,556
10 Fontana $1,535
11 Modesto $1,532
12 Garden Grove $1,524
13 Fresno $1,502
14 Riverside $1,497
15 Moreno Valley $1,491
16 Anaheim $1,444
17 Santa Ana $1,439
18 Fremont $1,403
19 Irvine $1,384
20 Bakersfield $1,381
21 San Jose $1,381
22 Huntington Beach $1,374
23 San Diego $1,368
24 Oxnard $1,344
25 Chula Vista $1,311
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Price information shown is approximated as zip code location can impact coverage rates substantially.

Difference between full coverage and liability only rates

Saving on auto insurance is probably important to most drivers, and one good way to pay lower rates for insurance for handicapped drivers is to only buy liability coverage. The example below visualizes the comparison of annual premium costs with and without physical damage coverage. The price estimates are based on no claims or violations, $100 deductibles, single status, and no policy discounts are applied.

If averaged out across all ages, physical damage coverage costs an additional $2,525 per year over liability only. Many people question if buying full coverage is a good investment. There is no exact formula that works best for making the decision to drop physical damage insurance, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.

Ratings for California auto insurance companies

Insuring your vehicle with the top auto insurance company is difficult considering how many companies there are in Bakersfield. The rank data shown below may help you select which auto insurance companies to look at purchasing coverage from. These ratings only include the largest companies in the United States, so companies without a large exposure are not included in this list.

Top 15 Auto Insurance Companies for Handicapped Drivers in Bakersfield, CA
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
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Data Source: Insure.com Best Car Insurance Companies

Careless drivers pay higher rates

The easiest method to receive low auto insurance rates for drivers with handicaps is to drive cautiously and avoid getting tickets or having accidents. The information below illustrates how speeding tickets and at-fault fender-benders increase car insurance rates for different age groups. The premiums are based on a married female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

The data above shows the average cost of car insurance in Bakersfield per year with no accidents or violations is $1,785. Get written up for one speeding ticket and the average cost rises to $2,078, an increase of $293 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of auto insurance for handicapped drivers goes up to an average of $2,897. That’s an increase of $1,113, or $93 per month, just for not paying attention while driving!

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Bakersfield, CA auto insurance rates are determined by lots of factors which can substantially decrease or increase your annual premium. Turning one year older, getting divorced, or getting a DUI can produce rate changes that can cause some rates to be more affordable than before. In addition, car insurance companies file new California auto insurance rates every year in order to remain profitable. Higher than normal claims can cause increased rates, while profitable underwriting can result in more affordable Bakersfield car insurance rates.

To illustrate this example, the bar chart below demonstrates which company has the cheapest car insurance in Bakersfield, CA for a 35-year-old female driver with a good driving record, no prior claims, and solid credit. Based on her current risk factors, USAA might offer the lowest car insurance rates in Bakersfield at $1,152 each year. This is $499 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the top five cheapest Bakersfield, CA auto insurance companies.

The next chart shows rates after we give the driver from the first set of rates some claims, a lower credit rating, and a couple of points charged on her driving record. Because every insurance company has a proprietary method for determining prices, analyzing rates most likely will result in a different ranking of cheap Bakersfield auto insurance companies as shown below.

Grange now has the cheapest car insurance in Bakersfield with Mercury, Allstate, Progressive, and GEICO also having competitive pricing. This shows why California drivers need to spend some time comparing rates to find the lowest auto insurance quotes for handicapped drivers.

Insurance rates can be determined by many factors and can increase or decrease at any time, so the cheapest option when you bought your policy may now not even be in the top five.