Who Has the Cheapest Auto Insurance Rates for Safe Drivers in Bakersfield?

The car, truck, or SUV you are buying coverage for is probably the most important factor when trying to find the best cheap insurance for safe drivers. Vehicles with high performance, poor safety features, or a history of substantial liability claims will cost substantially more to insure than more economical and safe models.

The next table outlines auto insurance premiums for a number of the most cost-effective automobiles to insure in California.

Cheapest Vehicles to Insure in Bakersfield, CA
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 2WD $818
Ford Edge SE 2WD $898
Jeep Grand Cherokee Laredo 4WD $970
Dodge Grand Caravan SXT $989
Ford Explorer Eddie Bauer AWD $998
Chevrolet Malibu LTZ $1,038
Jeep Wrangler Rubicon 4WD 2-Dr $1,054
Dodge Ram 3500 Crew Cab ST 2WD $1,075
Toyota Tacoma 2WD $1,091
Honda Accord LX-S 2-Dr Coupe $1,100
Ford Escape Limited 4WD $1,093
GMC Sierra SLT Crew Cab 4WD $1,108
Kia Optima SX $1,110
Chevrolet Silverado LT Crew Cab 2WD $1,117
Volkswagen Jetta LE 4-Dr Sedan $1,112
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rates do not factor in specific location which can revise coverage rates significantly.

Looking at the numbers, cars like the Honda CR-V, Ford Edge, Jeep Grand Cherokee, and Dodge Grand Caravan are the cheapest vehicles to insure for good drivers.

For good drivers, one of the big factors that are looked at to help calculate the annual cost of car insurance is your address in Bakersfield. Areas with high crime rates or more dense population tend to pay slightly more, whereas areas with less congestion have the luxury of cheap car insurance rates.

The illustration below lists the priciest cities in California for safe drivers to purchase auto insurance in. Bakersfield is listed at #22 having an annual price of $1,340 for coverage, which is approximately $112 each month.

How much does car insurance cost in Bakersfield, CA?
Rank City Annual Rate
1 Glendale $2,142
2 Los Angeles $2,083
3 San Francisco $1,763
4 Oakland $1,755
5 Sacramento $1,720
6 San Bernardino $1,644
7 Long Beach $1,626
8 Stockton $1,603
9 Fontana $1,581
10 Garden Grove $1,570
11 Moreno Valley $1,536
12 Santa Clarita $1,533
13 Fresno $1,517
14 Modesto $1,502
15 Santa Ana $1,483
16 Riverside $1,482
17 Anaheim $1,474
18 Huntington Beach $1,402
19 San Jose $1,395
20 Fremont $1,361
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Premium costs are comparative as specific Bakersfield zip code can change price quotes greatly.

The example below illustrates how choosing a deductible can affect yearly insurance costs when quoting cheap insurance for safe drivers. The price estimates are based on a single male driver, full coverage, and no discounts are taken into consideration.

In the chart above, a 50-year-old driver could lower rates by $492 a year by increasing from a $100 deductible to a $500 deductible, or save $738 by using a $1,000 deductible. Youthful drivers, such as the Age 20 example, can cut as much as $1,640 or more just by choosing higher deductibles when buying full coverage.

If you make the decision to raise deductibles, it will be required to have enough funds in savings to allow you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

What is the best auto insurance company in California?

Selecting a highly-rated company can be challenging considering how many different companies sell coverage in Bakersfield. The company information below can help you pick which auto insurers to look at comparing prices from. These rankings are only made up of the companies with a significant amount of written premium nationwide, so companies that have a smaller presence are not taken into consideration for the list.

Best 15 Auto Insurance Companies for Safe Drivers in Bakersfield
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
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Data Source: Insure.com Best Car Insurance Companies

Illustration showing the impact of accidents and violations

The recommended way to obtain the most affordable auto insurance rates in Bakersfield for good drivers is to be a cautious driver and avoid accidents and keep your driving record clean. The information below illustrates how speeding tickets and fender-benders can raise car insurance rates for different age categories. The price estimates are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

The data in the chart shows the average cost of a car insurance policy in California per year with no accidents and a clean driving record is $1,785. Get two speeding tickets and the average cost surges to $2,536, an increase of $752 each year. Now get two accidents along with the two speeding tickets and the 12-month cost of auto insurance for safe drivers jumps again to an average of $5,311. That’s an increase of $3,526, or $294 per month, just for being a less-than-perfect driver!

How to find economical auto insurance for safe drivers

Here are some money-saving solutions that can help California drivers buy low-cost car insurance.

The last tip in the list is very crucial, as was emphasized in the article above. Rates in Bakersfield go up and down frequently, so drivers shouldn’t be resistant to change insurance companies if a lower-cost policy is available.

Staying with the same company for years is fine, but it’s not recommended if that stubbornness costs you thousands of dollars over several years. Now is a great time to compare rates and find cheaper auto insurance for safe drivers.

If you like to have a consultation when trying to find lower insurance rates for safe drivers, the insurance agencies listed below can most likely provide answers to your questions and help you determine which insurance coverage you need.

To find an auto insurance agency in your neighborhood, click the button link following the list or click here to compare prices now.

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