Wouldn’t it be nice if we could just tell you the one company that has the cheapest policy rates in Bakersfield? Unfortunately, it’s not that simple as there are a whole slew of unknown elements such as if you are a man or woman, if you are a homeowner or renter, and your financial stability, that all have an effect on the price of a policy. The content below covers the best ways to avoid paying too much and educate you enough to have a good start in finding the cheapest insurance in California.
The vehicle model requiring insurance is probably the biggest factor when trying to find the lowest-priced auto insurance in Bakersfield. Vehicles with more horsepower, poor passenger safety features, or an increased likelihood of liability claims will cost significantly more to insure than safer models.
The next list features insurance prices for some of the most budget-friendly automobiles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford F-150 XL Regular Cab 2WD | $902 |
| Jeep Wrangler Sport 4WD 2-Dr | $909 |
| Ford Escape Limited 4WD | $945 |
| Ford Edge SE 2WD | $957 |
| Volkswagen Jetta 2.0T Station Wagon | $1,017 |
| Toyota Tacoma Double Cab 4WD | $1,032 |
| Chevrolet Equinox LS AWD | $1,037 |
| Toyota RAV4 Limited 4WD | $1,032 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,063 |
| Honda CR-V LX 2WD | $1,070 |
| Ford Focus SE 4-Dr Sedan | $1,161 |
| Honda Accord EX-L 4-Dr Sedan | $1,168 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,178 |
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in garaging location in Bakersfield, CA which can influence coverage rates noticeably.
Based upon the rates shown, you can see that cars like the Ford F-150, Jeep Wrangler, and Ford Escape are likely to be a few of the cheapest vehicles to insure for drivers in Bakersfield.
Trying to buy low-cost insurance is hard enough, and deciding which company quotes the lowest-priced insurance rates in Bakersfield requires additional perseverance. Every car insurance company has a unique formula for filing rates in each state, so let’s take a look at the insurance companies that tend to be cheaper in Bakersfield.
Best Insurance Companies in Bakersfield
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,226 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,496 |
| 9 | Allstate | $1,513 |
| 10 | Mercury | $1,548 |
| 11 | GEICO | $1,559 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,638 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,946 |
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USAA may offer some of the lowest car insurance rates in Bakersfield at around $1,109 annually. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the best Bakersfield, CA car insurance companies.
In the above example, if you currently have coverage with Nationwide and switched to Wawanesa, you might realize yearly savings of about $82. California drivers with 21st Century may save as much as $185 a year, and Grange insureds might reduce prices by as much as $266 a year.
To get a fast rate comparison, click here to begin a quote or visit any of the companies below.
Be aware that those estimates are averaged across all ages of drivers and types of vehicles and do not factor in a specific location in Bakersfield. So the auto insurance company that fits you best may not even be in the list above. That emphasizes why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.
Get discount Bakersfield insurance
Auto insurance companies that offer coverage in Bakersfield could also offer special discounts that could reduce prices by 40% or more if you meet the requirements. The best insurance companies and some of the premium reductions they offer can be found below.
- Esurance policyholders can earn discounts including anti-lock brakes, multi-car, defensive driver, claim free, paid-in-full, and good student.
- The Hartford offers premium reductions for good student, driver training, air bag, bundle, anti-theft, defensive driver, and vehicle fuel type.
- AAA offers discounts including AAA membership discount, multi-car, multi-policy, good driver, and pay-in-full.
- GEICO may have discounts that include driver training, seat belt use, multi-policy, military active duty, good student, and emergency military deployment.
- State Farm discounts include good student, anti-theft, driver’s education, defensive driving training, accident-free, multiple autos, and Drive Safe & Save.
The information below illustrates the difference between premium costs with and without discounts applied to the rates. The prices are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with claim-free, accident-free, safe-driver, marriage, anti-theft, and homeowner discounts applied. When discounts are applied, the average amount saved each year on insurance in Bakersfield is 28% or $576.
Best insurance in Bakersfield
Finding a good quality car insurance company can be challenging considering how many companies are available to choose from in California. The rank data listed below could help you decide which insurers to look at when comparing rate quotes.
The rankings below only include the largest auto insurers in America, so companies that may only write in California are not taken into consideration for this list. To check rates from these and other companies in California, follow this link.
| 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
If you would rather have the advice of a professional agent when trying to find lower insurance rates in Bakersfield, the agents shown below are willing to help you decide which auto insurance policy fits you best.
To find an agent closest to you, click the link at the bottom.
Saif Ahmad – State Farm Insurance Agent
4025 Stockdale Hwy – Bakersfield, CA 93309 – (661) 831-1200
Stockdale Insurance Agency Inc
1675 Chester Ave #310 – Bakersfield, CA 93301 – (661) 327-3321
Dawn Fore – State Farm Insurance Agent
4801 Truxtun Ave #200 – Bakersfield, CA 93309 – (661) 324-2300
Fox, James H – James H Fox Insurance
42 Bernard St – Bakersfield, CA 93305 – (661) 322-2023
James Banks – State Farm Insurance Agent
1525 Columbus St #400 – Bakersfield, CA 93305 – (661) 872-5140
View map of Bakersfield, CA insurance agents
Tips to find budget-friendly auto insurance in Bakersfield
The list below shows some of the recommended penny-pinching solutions that can help Bakersfield drivers buy cheap coverage.
- Try to pay small claims out-of-pocket
- Buying home and auto together can help save money
- Increase your credit rating
- Safe vehicles cost less to insure
- Increase your comprehensive and collision deductibles
- Save money by insuring older vehicles for liability only
- Shop around for cheaper rates regularly
That last piece of advice is highly vital, as we emphasized in this piece. Auto insurance rates can change significantly in a year, so don’t hesitate to change insurance companies if a cheaper price is available.
Having brand loyalty is commendable, but it’s not a good idea if that loyalty ends up costing hundreds of dollars year after year. It takes less than five minutes to compare rates and find cheaper auto insurance in Bakersfield in Bakersfield.