Comparing quotes for affordable insurance is hard enough, and deciding which companies have the lowest-priced insurance rates for government employees takes even more perseverance. Each company uses a slightly different approach for determining rates in each state, so to begin we’ll rank the most budget-friendly insurance companies in California.
It’s a good idea to be aware that Bakersfield insurance rates are influenced by many factors that control your annual premium. Simply getting older, buying a different home, or getting caught speeding can trigger price changes that may make certain companies cheaper than before.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,198 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | Progressive | $1,542 |
| 11 | GEICO | $1,559 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,688 |
| 17 | Unitrin | $1,699 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,026 |
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USAA generally has some of the most affordable car insurance rates in Bakersfield at around $1,155 a year. This is $496 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also are some of the cheapest Bakersfield, CA auto insurance companies.
In the above rates, if you are currently insured with Nationwide and switched to Wawanesa, you could realize an annual savings of around $106. Insureds with 21st Century might save as much as $168 a year, and Grange policyholders might reduce rates by $276 a year.
Be aware that those estimates are averaged across all types of insureds and vehicles and and are not figured with a specific vehicle garaging location for government employees. So the company that can offer you the best rate may not even be in the top 24 companies in the list above. That is why you need to compare rates from multiple companies using your own specific driver information and vehicle.
The vehicle you are trying to insure is probably the biggest factor that determines the availability of the lowest-priced auto insurance for government employees. Vehicles with more horsepower, a lack of safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer, lower-performance models.
The data below presents insurance premiums for a selection of the most economical automobiles to insure in California.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $836 |
| Honda CR-V EX 2WD | $841 |
| Volkswagen Jetta LE 4-Dr Sedan | $990 |
| Toyota RAV4 Limited 2WD | $997 |
| Jeep Wrangler Sport 4WD 2-Dr | $990 |
| Dodge Grand Caravan SXT | $1,009 |
| Chevrolet Malibu LT | $1,018 |
| Ford Escape Limited 2WD | $1,052 |
| Kia Optima LX | $1,058 |
| Toyota Prius | $1,064 |
| Chevrolet Silverado LTZ Crew Cab 4WD | $1,060 |
| Ford Focus S 4-Dr Sedan | $1,108 |
| Chevrolet Equinox LT 2WD | $1,129 |
| Dodge Ram 3500 Crew Cab SLT 2WD | $1,152 |
| Honda Civic LX 4-Dr Sedan | $1,168 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,177 |
| Ford Edge SE AWD | $1,189 |
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Prices above 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 multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price information does not factor in zip code location which can impact insurance rates significantly.
Looking at the rates, cars like the Honda Accord, Honda CR-V, and Volkswagen Jetta are going to be the cheapest vehicles to insure for state and federal workers.
One of the many criteria that are looked at to determine insurance cost is where you normally keep your vehicle. More populated areas will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.
The next table sorts the highest-priced areas in California for government employees to purchase car insurance in. Bakersfield shows up at #20 with a yearly premium of $1,381 for coverage, which is approximately $115 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,755 |
| 5 | Sacramento | $1,720 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,610 |
| 8 | Santa Clarita | $1,580 |
| 9 | Garden Grove | $1,554 |
| 10 | Moreno Valley | $1,551 |
| 11 | Modesto | $1,547 |
| 12 | Stockton | $1,541 |
| 13 | Fontana | $1,519 |
| 14 | Riverside | $1,497 |
| 15 | Fresno | $1,472 |
| 16 | Anaheim | $1,444 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,437 |
| 19 | Huntington Beach | $1,416 |
| 20 | Bakersfield | $1,381 |
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Table data uses approximated as the specific Bakersfield residence address can revise prices considerably.
Picking a good quality auto insurance company can be difficult considering how many choices drivers have in Bakersfield. The information displayed below could help you select which car insurance companies to look at when comparing rates. These ratings only include the largest auto insurers in America, so smaller regional companies are not taken into consideration for the list.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Discount Bakersfield car insurance
Insurance providers that provide coverage for government employees may additionally offer discounts that may potentially lower prices by 40% or more if you meet eligibility requirements. Large insurance companies and some of the premium reductions they offer include:
- Esurance has savings for good driver, renters, multi-policy, homeowner, DriveSense, and emergency road assistance.
- The Hartford includes discounts for air bag, driver training, defensive driver, vehicle fuel type, good student, bundle, and anti-theft.
- AAA offers premium reductions for multi-car, AAA membership discount, good student, education and occupation, good driver, and multi-policy.
- GEICO offers discounts including air bags, five-year accident-free, anti-lock brakes, military active duty, and emergency military deployment.
- State Farm policyholders can earn discounts including anti-theft, good driver, passive restraint, student away at school, multiple policy, accident-free, and multiple autos.
The chart below shows the comparison of annual premium costs with and without discounts applied to the rates. The price estimates are based on a female driver, no claims, a clean driving record, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with safe-driver, defensive driving course, marriage, homeowner, multiple vehicle, and accident-free discounts applied. With discounts applied, theamount saved on insurance for government employees is 28% or $549.
The auto insurance agents in Bakersfield shown below can provide answers to your questions and help you determine which insurance coverage you need, as many consumers aren’t sure which coverage to buy and prefer to get help from a professional when comparing insurance rates for state and federal workers. It can be difficult to find the cheapest auto insurance company, so insurance agents licensed in the state of California can add peace of mind knowing you have adequate protection in the event of a claim.
To find an agent close to where you live, click the link after the list.
- Tom Smethurst – State Farm Insurance Agent
13061 Rosedale Hwy a – Bakersfield, CA 93314 – (661) 589-1991 - Farmers Insurance: Brian Parks
1612 California Ave – Bakersfield, CA 93304 – (661) 859-1000 - Farmers Insurance: Ruth Escobar
400 Chester Ave – Bakersfield, CA 93301 – (661) 631-2420
More Bakersfield, CA insurance agents
How to find economical insurance for government employees
The list below shows some of the recommended penny-pinching ideas that can help you find cheap car insurance.
- Avoid accidents and claims
- Raise physical damage deductibles
- Ensure your driving record is clean
- Drop full coverage on older vehicles
- Higher credit ratings may save you money
- Buy a car with high safety ratings
- Keep rates low by comparing prices once a year
That final tip is remarkably critical, as we noted in this article. Car insurance prices can change considerably in a year, so don’t hesitate to switch companies if a lower-cost policy is available. Staying with the same car insurance company is fine, but it’s not recommended if that stubbornness costs you several hundred dollars every year. If you have a few minutes, compare rates to find cheaper insurance for government employees in Bakersfield.