How to find cheaper Bakersfield car insurance rates
Really, the only way to get discount car insurance rates is to make a habit of comparing prices annually from insurance carriers that insure vehicles in Bakersfield. You can shop around by following these steps.
Step 1: Try to learn about auto insurance and the measures you can take to prevent rate increases. Many policy risk factors that cause high rates such as multiple speeding tickets and a less-than-favorable credit score can be controlled by making minor driving habit or lifestyle changes.
Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO and Allstate, while agents who are independent can provide price quotes for a wide range of companies.
Step 3: Compare the price quotes to the price on your current policy to determine if you can save on insurance. If you find a lower rate, make sure coverage does not lapse between policies.
An important bit of advice to remember is to try to compare the same coverage limits and deductibles on each quote and and to get quotes from as many auto insurance providers as possible. Doing this ensures an apples-to-apples comparison and a complete price analysis.
The price of auto insurance coverage depends on a wide range of factors, but the average cost in Bakersfield is $1,433 for an annual policy. On average, the rest of the U.S. pays approximately $1,220, so Bakersfield drivers pay roughly $17 more each month than other American drivers.
Car insurance rates are calculated based on many factors, and one of the largest factors is the car, truck, or SUV you are insuring. The rate table below shows estimated prices for some of the more popular vehicles that Bakersfield drivers insure.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Equinox LTZ 2WD | $1,626 | $813 | $136 |
| Chevrolet Impala LT | $1,488 | $744 | $124 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,350 | $675 | $113 |
| Dodge Ram Quad Cab SLT 4WD | $1,608 | $804 | $134 |
| Ford Escape XLT 2WD | $1,256 | $628 | $105 |
| Ford F-150 FX4 4WD | $1,526 | $763 | $127 |
| Ford Focus S 4-Dr Sedan | $1,450 | $725 | $121 |
| Honda Accord LX-P 4-Dr Sedan | $1,256 | $628 | $105 |
| Honda CR-V LX 2WD | $1,256 | $628 | $105 |
| Honda Civic DX 2-Dr Coupe | $1,708 | $854 | $142 |
| Jeep Grand Cherokee SRT-8 4WD | $1,626 | $813 | $136 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,406 | $703 | $117 |
| Kia Optima SX | $1,708 | $854 | $142 |
| Mazda 3 S Grand Touring 4-Dr Hatchback | $1,626 | $813 | $136 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,708 | $854 | $142 |
| Nissan Rogue SL AWD | $1,670 | $835 | $139 |
| Toyota Camry XLE | $1,588 | $794 | $132 |
| Toyota Corolla XRS | $1,626 | $813 | $136 |
| Toyota RAV4 Limited 4WD | $1,488 | $744 | $124 |
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate information does not factor in Bakersfield location which can increase or decrease premiums significantly.
Discounts for lower Bakersfield auto insurance rates
The illustration below shows the difference between car insurance rates with and without discounts applied. The price estimates are based on a male driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, safe-driver, multi-policy, and marriage discounts applied.
AUTO INSURANCE FACT
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| 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 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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| Top 10 cheapest vehicles to insure in Bakersfield, CA |
|---|
| Honda Fit |
| Hyundai Accent |
| Mini Cooper |
| Honda Accord |
| Chrysler PT Cruiser |
| Hyundai Elantra |
| Honda CR-V |
| Mazda 5 |
| Chevrolet Colorado |
| Mazda MX-5 Miata |
| Top 10 most expensive vehicles to insure in Bakersfield, CA |
|---|
| Mercedes-Benz CL65 AMG |
| Mercedes-Benz S65 AMG |
| Audi R8 |
| Mercedes-Benz CL600 |
| Mercedes-Benz CL63 AMG |
| BMW 760L |
| Mercedes-Benz S600 |
| BMW M6 |
| Mercedes-Benz S63 AMG |
| Porsche 911 |
| Top 10 safest vehicles to insure in Bakersfield, CA |
|---|
| Ford Expedition EL |
| Ford Escape |
| Nissan Titan |
| Toyota Tacoma |
| Infiniti QX56 |
| Chevrolet Equinox |
| Toyota FJ Cruiser |
| Jeep Wrangler |
| GMC Acadia |
| Volvo XC60 |