What Car Insurance is Cheapest for a Learners Permit in Bakersfield?

The words “economical” and “auto insurance” really shouldn’t be used in the same sentence, specifically when looking for the lowest insurance rates for a learners permit. Because of the high cost, let’s get started by showing you a few of the things that impact car insurance rates, and find a few ways to lower the cost of the next policy you buy.

Trying to find budget auto insurance is challenging, and deciding which companies have the lowest-priced car insurance rates for a learners permit will take more quotes for comparison.

Every insurance provider uses their own calculation to set policy rates, so first let’s look at the rankings for the car insurance companies with the overall best prices in Bakersfield, CA.

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California car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,146
3 CSAA $1,186
4 Nationwide $1,226
5 Century National $1,226
6 21st Century $1,338
7 Grange $1,477
8 Mercury $1,488
9 Allstate $1,513
10 Allied $1,556
11 Progressive $1,558
12 GEICO $1,559
13 The Hartford $1,623
14 MetLife $1,638
15 Esurance $1,688
16 Unitrin $1,699
17 State Farm $1,733
18 Travelers $1,788
19 Bristol West $1,831
20 Farmers $2,006
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USAA normally has some of the most affordable car insurance rates in Bakersfield at around $1,143 per year. Wawanesa, CSAA, Nationwide, and Century National also qualify as some of the cheaper Bakersfield, CA auto insurance companies.

As the rates illustrate above, if you buy coverage from Century National and switched to Wawanesa, you could see a yearly price reduction of in the neighborhood of $80. Drivers with 21st Century could save as much as $192 a year, and Grange policyholders might cut rates by $331 a year.

To get a quick, customized rate comparison, click here to begin a quote or visit any of the low-priced companies below.

Bear in mind that those rates are averaged across all types of drivers and the different vehicles they drive and do not factor in an exact zip code location for a learners permit. So the car insurance company that is best suited for you may not even be in the top 24 companies shown above. That points out the importance of why you need to get auto insurance quotes using your own driver data and vehicle information.

One of the more important factors that are looked at to help calculate auto insurance rates is where your car is garaged. Areas with more people or higher crime rates likely pay more, whereas less populated areas can boast about having cheaper rates.

The information below shows the most expensive areas in California for a learners permit to buy auto insurance in. Bakersfield ranks #22 with an annual rate of $1,381 for car insurance, which is around $115 per month.

Car insurance prices in Bakersfield
Rank City Annual Rate
1 Los Angeles $2,146
2 Glendale $2,058
3 San Francisco $1,745
4 Oakland $1,738
5 Sacramento $1,703
6 Long Beach $1,626
7 Santa Clarita $1,580
8 San Bernardino $1,580
9 Stockton $1,556
10 Modesto $1,547
11 Fontana $1,535
12 Riverside $1,527
13 Garden Grove $1,508
14 Moreno Valley $1,506
15 Santa Ana $1,497
16 Fresno $1,457
17 San Jose $1,437
18 Anaheim $1,430
19 Huntington Beach $1,416
20 Fremont $1,403
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Prices are comparative as vehicle location can affect auto insurance rates greatly.

The vehicle that is being insured is probably the biggest factor that determines whether or not you can buy the lowest-priced auto insurance for a learners permit. Vehicles with high performance engines, poor safety features, or an increased likelihood of liability claims will cost much more to insure than more economical and safe models.

The next list illustrates car insurance prices for a number of the cheapest automobiles to buy coverage for.

Cheapest Vehicles to Insure in Bakersfield, CA
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 4WD $3,326
Honda Accord LX 4-Dr Sedan $3,336
Honda CR-V LX 2WD $3,326
Toyota Prius $3,589
Ford Explorer Eddie Bauer 2WD $3,741
Ford F-150 XL Crew Cab 2WD $3,747
Dodge Grand Caravan CV $3,741
Volkswagen Jetta SE 2.5 Station Wagon $3,791
Chevrolet Impala LS $3,913
Ford Edge SE AWD $3,921
Chevrolet Malibu LS $3,944
Jeep Grand Cherokee Laredo 4WD $3,949
Toyota Tacoma Double Cab 4WD $3,944
Chevrolet Equinox LT 2WD $3,951
Toyota RAV4 4WD $3,944
Dodge Ram Quad Cab ST 2WD $4,077
Ford Focus SEL 4-Dr Sedan $4,115
Honda Odyssey EX-L W/Navigation $4,146
Hyundai Elantra GLS 4-Dr Sedan $4,153
Toyota Corolla XLE $4,146
Nissan Altima Hybrid 4-Dr Sedan $4,175
Honda Civic Hybrid 4-Dr Sedan $4,182
GMC Sierra 2500HD SLE Crew Cab 4WD $4,175
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Data rating is based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in specific location which can impact premium rates significantly.

Looking at the data, vehicles like the Ford Escape, Honda Accord, and Honda CR-V are most likely going to be some of the most economical vehicles to insure for new drivers. The price for an auto insurance policy will tend to be more expensive just due to the fact that there is more exposure for a learners permit, but in general those particular models will probably have the lowest insurance prices available.

Tickets and at-fault accidents raise rates

The common sense way to earn the most affordable car insurance rates in Bakersfield for new drivers is to drive safely and avoid accidents and traffic citations. The chart below illustrates how traffic citations and at-fault collisions can influence car insurance costs for different age groups. The rates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

The data above shows the average cost of auto insurance in California per year with no accidents and a clean driving record is $1,767. Get written up for one speeding ticket and the average cost hikes up to $2,006, an increase of $239 each year. Next add one accident along with the one speeding ticket and the 12-month cost of car insurance for a learners permit jumps again to an average of $2,662. That’s an increase of $895, or $75 per month, just for not being attentive to the road!

Choosing the highest-rated company can be a challenge considering how many different companies insure vehicles in Bakersfield. The ranking data below can help you pick which auto insurance companies you want to consider when comparing insurance rates for a learners permit. These rankings are only comprised of large, nationwide insurance companies, so companies that have a smaller presence are not factored into this list.

Top Car Insurance Companies for a Learners Permit 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
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

You are probably paying too much for car insurance

Bakersfield, CA car insurance rates are based on many factors that control the price you have to pay for coverage. Simply getting older, buying another vehicle, or getting a ticket for running a stop sign may generate price changes that can cause some rates to be cheaper than others. Not only may things change on your end, but auto insurance companies change rates as needed in order to maintain liquidity for claims. Significantly higher claims may result in price increases, while a lower level of claims can result in lower-priced Bakersfield car insurance rates.

To illustrate this example, the graph below shows the cheapest car insurance in Bakersfield, CA for a 45-year-old male driver with no accidents, a clean driving record, and a high credit rating. If we compare prices based on his current risk profile, USAA offers the most affordable car insurance rates in Bakersfield at $1,163 each year. This is $488 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide round out the rest of the cheapest Bakersfield, CA auto insurance companies.

In the next rate comparison, we’ll give the driver from above an at-fault accident, slightly worse credit, and a few traffic violations. Because each company uses their own calculation to establish rates, comparing insurance quotes may now present a slightly different list of affordable companies as shown below.

Grange now has the best auto insurance rate in Bakersfield with Allstate, Allied, Mercury, and Progressive also being competitive. This example proves why it is important to compare as many rates as possible when trying to find the most affordable auto insurance quotes for a learners permit. Car insurance prices are impacted by many risk factors and can increase or decrease at any time, so the best option the last time you checked may now cost much more than other companies.

The agents listed below are a good start to help you make a decision which car insurance company is the best fit, as some people prefer to have a little guidance when shopping for cheaper insurance for new drivers. It’s not always simple to find the cheapest car insurance policy, and insurance agents licensed in the state of California can add satisfaction knowing your policy 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.

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