This would be a real easy article to write if we could simply give you the name of the one best company that is cheapest in California. Unfortunately, it’s just not that easy, as there are many unknown aspects such as whether you are female or male, if you are a good driver, and if you own a home, that all help calculate your car insurance rates. We will try to cover the different ways to avoid overpaying and hopefully give you enough understanding to have some help in finding cheaper rates.
For felons, one of the largest components that aid in calculating car insurance rates is where you call home. Regions with more people or even just more weather-related claims likely pay more, whereas areas with less congestion profit from lower rates.
The next table shows the most expensive cities in California for felons to purchase a policy in. Bakersfield is ranked at #20 having an annual price of $1,381 for coverage, which is around $115 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,610 |
| 8 | Moreno Valley | $1,551 |
| 9 | Stockton | $1,541 |
| 10 | Fontana | $1,535 |
| 11 | Santa Clarita | $1,533 |
| 12 | Modesto | $1,532 |
| 13 | Garden Grove | $1,508 |
| 14 | Anaheim | $1,488 |
| 15 | Santa Ana | $1,483 |
| 16 | Riverside | $1,482 |
| 17 | Fresno | $1,457 |
| 18 | Huntington Beach | $1,402 |
| 19 | San Jose | $1,395 |
| 20 | Bakersfield | $1,381 |
| 21 | Oxnard | $1,358 |
| 22 | Fremont | $1,348 |
| 23 | Irvine | $1,343 |
| 24 | Chula Vista | $1,337 |
| 25 | San Diego | $1,327 |
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Information shown are estimated as vehicle location can alter coverage prices significantly.
Locating cheap insurance is easier said than done, and determining which companies quote the best insurance rates for felons will take more quotes for comparison.
Each auto insurance company uses slightly different criteria for establishing rates, so first let’s look at the rankings for the most affordable insurance companies in Bakersfield. It’s important that readers know that Bakersfield, CA insurance rates are impacted by many factors that control the price of coverage. Taking a driver safety course, buying a different home, or getting into an accident can trigger changes in premium that may make certain companies more expensive than others.
Cheapest Insurance Rates for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,214 |
| 4 | Nationwide | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,433 |
| 8 | Progressive | $1,512 |
| 9 | Allstate | $1,513 |
| 10 | GEICO | $1,529 |
| 11 | Mercury | $1,533 |
| 12 | Allied | $1,556 |
| 13 | MetLife | $1,638 |
| 14 | The Hartford | $1,639 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,699 |
| 17 | State Farm | $1,733 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $1,966 |
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USAA quotes some of the cheapest car insurance rates in Bakersfield at around $1,155 annually. Wawanesa, Century National, Nationwide, and CSAA also are some of the cheaper Bakersfield, CA car insurance companies.
As the rates illustrate above, if you currently buy coverage from Nationwide and switched to USAA, you may see an annual premium reduction of around $71. Customers with CSAA might save as much as $79 a year, and 21st Century customers might reduce prices by as much as $211 a year.
Bear in mind that those policy rates are averaged for all types of drivers and the different vehicles they drive and and are not figured with a specific location for felons. So the company that is best for you may not even be in the top 24 companies in the list above. That’s why you need to get rate quotes using your own specific driver and vehicle information.
The vehicle model that needs insurance is probably the biggest factor when trying to find the best cheap auto insurance for felons. Vehicles with lower performance, an excellent safety record, or a low likelihood of having liability claims will cost significantly less to insure than adrenaline junky models. The list below outlines insurance costs for the most affordable automobiles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Dodge Grand Caravan SE | $985 |
| Honda CR-V EX 2WD | $1,006 |
| Hyundai Elantra GLS Touring Station Wagon | $1,012 |
| Ford Focus S 4-Dr Sedan | $1,021 |
| GMC Sierra SLE Regular Cab 2WD | $1,040 |
| Volkswagen Jetta S 4-Dr Sedan | $1,047 |
| Ford Edge Limited AWD | $1,093 |
| Toyota Corolla XLE | $1,102 |
| Ford Escape Limited 2WD | $1,102 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $1,112 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,114 |
| Dodge Ram Crew Cab TRX 2WD | $1,133 |
| Honda Accord EX-L 4-Dr Sedan | $1,170 |
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in specific location information which can lower or raise prices substantially.
Looking at the rates, you can assume that cars like the Dodge Grand Caravan, Honda CR-V, Hyundai Elantra, and Ford Focus will be the less-costly vehicles to insure for felons.
The chart below shows how choosing a deductible can impact insurance rates when searching for cheap insurance for felons. The rates are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.
The chart above illustrates that a 30-year-old driver could cut expenses by $544 a year by increasing from a $100 deductible to a $500 deductible, or save $816 by using a $1,000 deductible. Younger drivers, like the 20-year-old example, could shave up to $1,216 every year just by using higher deductibles.
When raising deductibles, it is important to have enough funds in savings to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Picking a highly-rated car insurance company can be rather challenging considering how many choices drivers have in California. The ranking data listed below can help you analyze which providers to look at when looking for cheaper rates. The rankings below are for companies that insure vehicles nationwide, so companies without a large exposure will not be included in these rankings.
Top 10 Large Car Insurance Companies in Bakersfield Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Large Car Insurance Companies 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%
Illustration showing the impact of accidents and violations
The easiest way to receive the cheapest insurance rates for felons is to drive attentively and not get tickets or have accidents. The example below shows how speeding tickets and at-fault claims impact insurance premiums for different age groups. The rate quotes are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of an auto insurance policy in Bakersfield per year with no accidents and a clean driving record is $2,525. Get one speeding ticket and the average cost increases to $2,844, an increase of $319 each year. Then add in one accident along with the one speeding ticket and the yearly cost of insurance for felons increases to an average of $3,742. That’s an increase of $1,217, or $101 per month, just for not being more responsible behind the wheel!
Here’s why price comparisons are so important
Bakersfield insurance rates are impacted by many factors which can substantially decrease or increase the cost of having a policy. Improving your credit rating, buying a different vehicle, or getting a speeding ticket can trigger changes in premium resulting in some rates now being cheaper than competitors. In addition to those changes, car insurance companies change premium rates as often as every quarter in order to maintain liquidity for claims. An unexpected high level of claims can cause rate hikes, while a profitable period can result in more affordable Bakersfield car insurance rates.
The chart below analyzes the cheapest car insurance in Bakersfield, CA for a 45-year-old female driver with a clear driving record, no claims, and excellent credit. When quoting prices based on her current risk factors, USAA offers the most affordable car insurance rates in Bakersfield at $1,192 annually. This is $459 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the remainder of the most affordable Bakersfield, CA auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart a chargeable claim, poor credit, and a couple of points charged on her driving record. Since each company has a proprietary method for determining rates in each state, analyzing rates may now result in a new list of the cheapest car insurance companies in Bakersfield as shown below.
Grange now has the best insurance rate in Bakersfield with Allstate, GEICO, Mercury, and Allied now rounding out the top five. This example proves why it is critical to compare many different companies when trying to find the cheapest insurance rates for felons.
Auto insurance prices consist of many factors and can change without notice, so the lowest-price company a year ago may now be one of the more expensive options.