What Insurance is Cheapest for State Employees in Bakersfield?

The words “cheap” and “insurance” really should not be used together, in particular when you are shopping around for the lowest insurance prices for state employees. To help control this cost, let’s introduce you to a few of the factors that impact car insurance prices, and figure out some ways to reduce the cost of the next policy you buy.

The vehicle model that needs insurance is probably the biggest factor when consumers are trying to find cheaper car insurance for state employees. Vehicles with lower acceleration and performance, an excellent safety record, or a track record of few liability claims will cost much less to insure than fast, unsafe models. The next table showcases coverage costs for a selection of the most economical automobiles to buy insurance for.

Cheapest Vehicles to Insure in Bakersfield, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord EX-L 4-Dr Sedan $960
Ford Escape XLT 2WD $1,016
Honda CR-V EX 2WD $1,026
Chevrolet Impala LS $1,028
Ford Explorer Eddie Bauer 4WD $1,069
GMC Sierra SL Crew Cab 2WD $1,125
Ford Fusion SEL 4-Dr Sedan $1,132
Nissan Rogue SL 2WD $1,125
Toyota Tacoma 4WD $1,142
Ford Focus SE 4-Dr Sedan $1,180
Ford Edge SEL 2WD $1,185
Toyota Camry Hybrid $1,202
Chevrolet Equinox LT 2WD $1,204
Toyota RAV4 4WD $1,210
Dodge Grand Caravan Hero $1,204
Toyota Prius $1,208
Hyundai Elantra Blue 4-Dr Sedan $1,244
Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD $1,276
Chevrolet Malibu Hybrid $1,287
Jeep Grand Cherokee Laredo 2WD $1,297
Honda Civic LX 2-Dr Coupe $1,287
Honda Odyssey Touring $1,289
GMC Sierra 2500HD SLE Extended Cab 4WD $1,295
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Table data does not factor in Bakersfield, CA location which can influence price quotes considerably.

Based upon the table data, we can tell that models like the Honda Accord, Ford Escape, and Honda CR-V are the most budget-friendly vehicles to insure for state workers.

Buying cheap car insurance is easier said than done, and determining which companies offer the cheapest auto insurance rates for state employees may require even more diligence.

Each insurance company uses a different method for establishing rates, so we’ll go over the most affordable auto insurance companies in California. It’s important to understand that California auto insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay for coverage. This price fluctuation is why consumers need to compare lots of rates when trying to find the lowest car insurance rates for state employees. Auto insurance prices can be altered by many risk factors and can change without notice, so the cheapest option the last time you checked may now be quite expensive.

Best Car Insurance Prices in California

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Cheapest California auto insurance companies
Rank Company Cost Per Year
1 Wawanesa $1,146
2 USAA $1,155
3 Century National $1,190
4 Nationwide $1,213
5 CSAA $1,234
6 21st Century $1,366
7 Grange $1,477
8 Progressive $1,496
9 Mercury $1,503
10 Allied $1,541
11 Allstate $1,543
12 GEICO $1,575
13 MetLife $1,590
14 The Hartford $1,591
15 Unitrin $1,682
16 Esurance $1,688
17 State Farm $1,699
18 Bristol West $1,795
19 Travelers $1,806
20 Farmers $1,946
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Wawanesa offers some of the most affordable car insurance rates in Bakersfield at around $1,146 per year. This is $505 less than the average premium paid by California drivers of $1,651. USAA, Century National, Nationwide, and CSAA would also be considered some of the best Bakersfield, CA car insurance companies.

In the above example, if you currently have coverage with Century National and switched to Wawanesa, you could earn yearly savings of about $44. Policyholders with Nationwide may save as much as $67 a year, and CSAA policyholders might reduce rates by $88 a year.

To see if your current coverage is too expensive, click here to get quotes or visit any of the companies below.

It’s important to note that these policy prices are averaged for all ages of drivers and types of vehicles and and are not calculated with an exact zip code location for state employees. So the car insurance company that can offer you the best rate may not even be in the list above. That point stresses why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

For state workers, one of the big considerations that aid in calculating car insurance rates is the neighborhood you call home in Bakersfield. Areas with more people or more claims tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from having to pay less for coverage.

The table below ranks the priciest cities in California for state employees in which to buy car insurance. Bakersfield makes the list at #19 with a yearly cost of $1,394 for the average insurance policy, which is around $116 monthly.

How much does auto insurance cost in Bakersfield?
Rank City Annual Rate
1 Los Angeles $2,146
2 Glendale $2,142
3 San Francisco $1,763
4 Oakland $1,704
5 Sacramento $1,652
6 San Bernardino $1,628
7 Long Beach $1,626
8 Stockton $1,603
9 Fontana $1,581
10 Santa Clarita $1,580
11 Modesto $1,547
12 Garden Grove $1,524
13 Moreno Valley $1,491
14 Santa Ana $1,483
15 Riverside $1,482
16 Anaheim $1,474
17 Fresno $1,472
18 San Jose $1,395
19 Bakersfield $1,394
20 San Diego $1,381
21 Huntington Beach $1,374
22 Fremont $1,348
23 Chula Vista $1,337
24 Irvine $1,330
25 Oxnard $1,318
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Premium amounts are comparative as vehicle location can modify coverage rates substantially.

Get discounts on Bakersfield auto insurance

Cheaper Bakersfield, CA auto insurance for state workersInsurance companies that offer quotes for state employees may also offer rate discounts that can lower rates by as much as 25% or more if you are eligible for them. A few of the larger companies and some of their more popular discounts can be read below.

The illustration below compares car insurance rates with and without discounts applied to the rates. The premiums are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with vehicle safety, marriage, homeowner, claim-free, passive restraint, and safe-driver discounts applied. With discounts applied, the average amount saved each year on auto insurance for state employees is 28% or $661.

Buying coverage from the highest-rated car insurance provider is hard considering how many companies there are in California. The information listed below can help you choose which providers to look at when buying insurance for state employees. The ratings below are only made up of companies who write in the majority of U.S. states, so companies that focus mainly on California business are not included in the list.

Top Auto Insurance Companies for State Employees in California
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

The example below illustrates how choosing a deductible can change insurance premiums when quoting cheap insurance for state employees. The price estimates are based on a single female driver, full coverage, and no policy discounts are applied.

A 30-year-old driver could lower rates by $560 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $842 by switching to a $1,000 deductible. Young drivers, like the Age 20 category, could shave as much as $1,246 each year by using a higher deductible. If you do make the decision to raise your deductibles, it is essential to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.

How to find more affordable car insurance for state employees

The list below summarizes a few penny-pinching solutions that can help drivers buy more affordable coverage.

The last item on the list is incredibly crucial, as was stressed in the prior article. Car insurance rates go up and down frequently, so drivers shouldn’t hesitate to buy from a different company if a cheaper price is available. Sticking with a specific company is fine, but is isn’t recommended if that loyalty results in overpaying hundreds of dollars a year. Spend a few minutes and compare prices and find cheaper car insurance for state employees in Bakersfield.

If you like to have some advice when shopping for cheaper insurance for state employees, the agents listed below can probably provide answers to your questions and help you determine which coverages are best.

To locate an agency using an interactive map, click the button below the list.

Stockdale Insurance Agency Inc
1675 Chester Ave #310Bakersfield, CA 93301(661) 327-3321

Rosie Schweer – State Farm Insurance Agent
4200 Gosford Rd #103Bakersfield, CA 93313(661) 396-7961

Hay Insurance Agency Inc.
4921 Calloway Dr # 101Bakersfield, CA 93312(661) 829-8933

Saif Ahmad – State Farm Insurance Agent
4025 Stockdale HwyBakersfield, CA 93309(661) 831-1200

View more Bakersfield, CA insurance agents