What Car Insurance is Cheapest for Lyft Drivers in Bakersfield?

For Lyft vehicles, one of the more important components that are used to help calculate auto insurance rates is where your residence is in Bakersfield. Areas with high crime rates or more dense population will most likely have higher rates, whereas areas with less congestion receive better rates.

The table below rates the most costly cities in California for Lyft drivers to buy car insurance in. Bakersfield is ranked #20 with a yearly premium of $1,381 on average, which is approximately $115 monthly.

How much is auto insurance in Bakersfield, CA?
Rank City Premium Per Year
1 Los Angeles $2,168
2 Glendale $2,142
3 San Francisco $1,711
4 Oakland $1,704
5 Sacramento $1,703
6 San Bernardino $1,596
7 Santa Clarita $1,595
8 Long Beach $1,578
9 Fontana $1,566
10 Stockton $1,556
11 Riverside $1,527
12 Garden Grove $1,508
13 Fresno $1,502
14 Modesto $1,502
15 Moreno Valley $1,491
16 Anaheim $1,488
17 Santa Ana $1,439
18 San Jose $1,395
19 Irvine $1,384
20 Bakersfield $1,381
21 Huntington Beach $1,374
22 Fremont $1,348
23 Chula Vista $1,337
24 San Diego $1,327
25 Oxnard $1,304
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Premium amounts are approximated as the vehicle garaging location can revise prices substantially.

The car, truck, or SUV driven is a large factor when comparing quotes for low-cost insurance for Lyft drivers. Vehicles with high performance features, poor safety ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models. The data below features coverage costs for the more affordable automobiles to buy insurance for.

Cheapest Vehicles to Insure in Bakersfield, CA
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord EX-L 4-Dr Sedan $879
Ford Escape XLS 2WD $930
Jeep Grand Cherokee Laredo 4WD $959
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $977
Honda CR-V LX 2WD $996
GMC Sierra SL Crew Cab 2WD $1,028
Chevrolet Silverado LTZ Crew Cab 4WD $1,033
Volkswagen Jetta SE 4-Dr Sedan $1,028
Nissan Rogue S AWD $1,038
Toyota Prius $1,028
Ford Explorer XLT AWD $1,041
Chevrolet Impala LS $1,077
Ford Focus SE 2-Dr Coupe $1,079
Ford F-150 STX Regular Cab 2WD $1,092
Toyota RAV4 Sport 4WD $1,098
Kia Optima SX $1,106
Chevrolet Equinox LT 2WD $1,098
Nissan Altima 2.5 S 2-Dr Coupe $1,107
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $1,114
Dodge Ram Crew Cab Sport 2WD $1,116
Dodge Grand Caravan Crew $1,118
Hyundai Elantra Blue 4-Dr Sedan $1,135
Dodge Ram 2500 Mega Cab Laramie 2WD $1,147
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price information does not factor in zip code location which can impact premium rates greatly.

Looking at the numbers, makes and models like the Honda Accord, Ford Escape, Jeep Grand Cherokee, and Toyota Tacoma are most likely going to be a few of the most budget-friendly vehicles to insure for Lyft vehicles.

How to get discounts on Bakersfield car insurance rates

Save on auto insurance for Lyft vehicles in BakersfieldInsurers that provide policies for Lyft drivers may also offer premium discounts that could potentially reduce rates by as much as 30% if you meet certain criteria. A list of companies and a summarized list of policyholder discounts can be found below.

The illustration below shows the difference between car insurance rates with and without discounts applied. Data assumes a male driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with defensive driving course, vehicle safety, multiple vehicle, multiple policy, claim-free, and homeowner discounts applied. When discounts are applied, the average savings per year on auto insurance for Lyft drivers is 28% or $875.

Which auto insurance company is best in Bakersfield?

Finding the top car insurance company is difficult considering how many choices you have in Bakersfield. The company information displayed below may help you decide which coverage providers to look at purchasing from.

The rankings below are only comprised of the largest companies in the United States, so smaller companies are not factored into these rankings. If you wish to compare prices from these top insurers and more, just click here.

Top 10 Major Car 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 Major Car 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

How to find more affordable auto insurance for Lyft drivers

The list below shows some of the recommended money-saving ideas that can help drivers get cheaper coverage.

The final tip is incredibly crucial, as was discussed in the article above. Coverage prices in Bakersfield can change considerably in a year, so drivers shouldn’t be reluctant to buy a policy from a new company if a better rate can be found.

Having brand loyalty is commendable, but it isn’t a good idea if that dedication is costing a fortune every year. In less than five minutes you could shop around to find cheaper car insurance for Lyft drivers.