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.
| 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 |
| Start Your Quote Go | |
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.
| 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 |
| Quote Best Rates Go | ||
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.
| 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 |
| Compare Rates Now Go | ||||||
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.
- Do not insure for full coverage
- Clean up your credit
- Higher physical damage deductibles lower rates
- At-fault accidents will increase rates
- Buy vehicles with five-star safety ratings
- Ensure your driving record is clean
- Comparison shop at least once a year
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.
- GEICO Insurance Agent
5550 California Ave #101 – Bakersfield, CA 93309 – (661) 431-1780 - James Banks – State Farm Insurance Agent
1525 Columbus St #400 – Bakersfield, CA 93305 – (661) 872-5140 - Adam Hopkins – State Farm Insurance Agent
5500 Ming Ave #180 – Bakersfield, CA 93309 – (661) 396-7947 - Allstate Insurance: Megan Waite
4200 Easton Dr #1 – Bakersfield, CA 93309 – (661) 327-3486