Figuring out which companies quote the best auto insurance rates for drivers with a bad driving record may require a bit more work in order to find the lowest price quote. Every insurance provider has their own formula for filing rates in each state, so let’s rank the auto insurance companies with the overall best prices in Bakersfield, CA.
Cheap Insurance Rates for Imperfect Drivers
|Rank||Company||Cost Per Year|
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USAA generally has some of the lowest car insurance rates in Bakersfield at around $1,143 each year. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also some of the lowest-priced Bakersfield, CA auto insurance companies.
As shown above, if you are a customer of Nationwide and switched to Wawanesa, you might see an annual savings of around $104. California drivers with 21st Century might save as much as $179 a year, and Grange insureds might lower prices by up to $287 a year.
To find cheaper insurance rates for your vehicle, click here to get quotes or click several companies below for low rates.
Be aware that those prices are averaged for all insureds and vehicles and do not factor in an exact zip code location for drivers with a bad driving record. So the insurer that fits your age and vehicle best may not even be in the top 24 companies in the list above. That emphasizes why you need to quote rates from many companies using your own individual information.
The type of vehicle to be insured is a large factor when comparison shopping for the cheapest insurance for drivers with a bad driving record. Vehicles with lower performance, an excellent safety record, or a track record of few liability claims will cost much less to insure than adrenaline junky models. The next table ranks auto insurance rates for a number of the more affordable vehicles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape Limited 2WD||$2,952|
|Honda CR-V EX 2WD||$3,050|
|Honda Accord LX-P 4-Dr Sedan||$3,059|
|Hyundai Elantra SE Touring Station Wagon||$3,107|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$3,414|
|Ford Edge Limited 2WD||$3,422|
|Dodge Grand Caravan Crew||$3,487|
|Ford Explorer Eddie Bauer 4WD||$3,496|
|Volkswagen Jetta 2.0T Station Wagon||$3,545|
|Chevrolet Malibu Hybrid||$3,616|
|Jeep Grand Cherokee Laredo 2WD||$3,626|
|Toyota RAV4 4WD||$3,616|
|GMC Sierra SLE Crew Cab 2WD||$3,643|
|Ford Fusion Sport 4-Dr Sedan||$3,650|
|Ford F-150 Lariat King Ranch 2WD||$3,643|
|Toyota Tacoma Double Cab 4WD||$3,651|
|Chevrolet Impala LT||$3,702|
|Chevrolet Silverado LS Regular Cab 2WD||$3,729|
|Chevrolet Equinox LTZ AWD||$3,815|
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Data rating is based on single female driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Table data does not factor in zip code location which can revise coverage prices substantially.
By looking at the data, you can see that models like the Ford Escape, Honda CR-V, and Honda Accord are the most affordable vehicles to insure for bad drivers. The price of auto insurance will trend higher just because there is more exposure for drivers with a bad driving record, but overall those particular models will most likely have the cheapest car insurance rates compared to other vehicles.
One of the many considerations that aid in calculating auto insurance rates is where you normally keep your vehicle. Areas with a lot of weather claims or more people likely pay more, whereas areas that tend to be more rural have the benefit of cheaper car insurance.
The information below sorts the most costly cities in California for drivers with a bad driving record to buy auto insurance in. Bakersfield ranks #23 with an annual cost of $1,353 for the average insured, which is approximately $113 each month.
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Information shown are estimated as the garaging address in Bakersfield can influence insurance rates greatly.
How much more does full coverage cost in Bakersfield?
Buying cheaper auto insurance is important to the majority of vehicle owners, and one great way to find cheap insurance for drivers with a bad driving record is to not buy full coverage. The information below illustrates the difference between insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The rates are based on no claims, a clean driving record, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
Averaged for all ages 20 through 70, physical damage coverage on your policy costs $2,558 per year more than buying just liability insurance. That amount may make you wonder if physical damage coverage is worth the money. There is no set rule of when to stop paying for physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is more than 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
There are a few cases where only buying liability is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Selecting a good quality insurer is hard considering how many different companies insure vehicles in California. The information shown next can help you analyze which providers you want to consider when shopping around.
The ratings below include companies with a national presence, so companies that have a smaller presence are not included in this list. To compare rates from many more California auto insurance companies, simply click here.
Top 10 Large Auto Insurers in Bakersfield Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Large Auto Insurers in Bakersfield Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Get discount Bakersfield insurance rates
Insurers that provide coverage for drivers with a bad driving record may also give you policy discounts that can lower rates by as much as 25% or more if you meet specific criteria. Larger auto insurance companies and a selection of discounts are:
- Progressive offers discounts including good student, homeowner, online signing, continuous coverage, and online quote discount.
- MetLife may offer discounts for good driver, multi-policy, claim-free, good student, and accident-free.
- Mercury Insurance may have discounts that include multi-policy, low natural disaster claims, ease of repair, professional/association, and good driver.
- Nationwide has discounts for accident-free, family plan, good student, Farm Bureau membership, business or organization, multi-policy, and easy pay.
- GEICO policyholders can earn discounts including defensive driver, membership and employees, anti-theft, air bags, and daytime running lights.
- AAA offers premium reductions for multi-policy, anti-theft, AAA membership discount, good student, education and occupation, good driver, and pay-in-full.
The chart below compares annual premium costs with and without discounts applied. The costs are based on a male driver, two accidents and one citation, California state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with paid-in-full, multiple vehicle, passive restraint, continuous coverage, multiple policy, and paperless filing discounts applied. When discounts are applied, the average amount saved each year on auto insurance for drivers with a bad driving record is 29% or $1,469.
Tips for buying low-cost car insurance for drivers with a bad driving record
It is possible to find better rates, and here are some of the better thrifty ideas that can help drivers quote low-cost coverage.
- If your vehicles are older, consider dropping full coverage
- Do not get traffic tickets
- Buy your auto and home insurance from the same company and save
- Earn discounts for being claim-free
- Do not get into accidents that are your fault
- Buy vehicles with good safety ratings
- Compare price quotes at least once a year
The last suggestion is notably crucial, as we emphasized in the article above. Prices charged by car insurance companies in Bakersfield change constantly, so drivers shouldn’t be reluctant to buy a different policy if a cheaper rate is available.
Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that dedication is costing lots of money. In just a couple of minutes you could compare prices and find cheaper car insurance for drivers with a bad driving record.
If you aren’t sure which coverage you need and prefer to have the advice of a professional agent when trying to find the best insurance rates for bad drivers, the agencies below are willing to help you decide which auto insurance policy fits you best. To locate a Bakersfield car insurance agency nearest to you, click the link at the bottom.
- Adam Hopkins – State Farm Insurance Agent
5500 Ming Ave #180 – Bakersfield, CA 93309 – (661) 396-7947
- James Stuart – State Farm Insurance Agent
5125 Ming Ave – Bakersfield, CA 93309 – (661) 831-6266
- Keith Goree – State Farm Insurance Agent
11350 Ming Ave #230 – Bakersfield, CA 93311 – (661) 663-9000
- Stockdale Insurance Agency Inc
1675 Chester Ave #310 – Bakersfield, CA 93301 – (661) 327-3321
- Omega Financial and Insurance Services Inc
400 H St – Bakersfield, CA 93304 – (661) 326-6870