Buy Cheap Bakersfield, CA Auto Insurance (2021)

Bakersfield, CA auto insurance rates average $301 a month. Minimum auto insurance requirements in Bakersfield, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Bakersfield, CA, compare Bakersfield auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Bakersfield, CA are $301/month
  • Average auto insurance rates in Bakersfield, CA after a DUI are $5,079/year
  • Average auto insurance rates in Bakersfield, CA for teens drivers are $6,055/year

Finding affordable Bakersfield, California auto insurance can be challenging, but everything you need to know to buy cheap Bakersfield, CA auto insurance with confidence is right here. Auto insurance rates in Bakersfield are affected by local factors as well as personal ones like your driving record.

See how Bakersfield, CA car insurance rates compare to Sacramento auto insurance rates, San Diego auto insurance rates, and Anaheim auto insurance rates before you read more about the cost of auto insurance in Bakersfield.

Don’t buy Bakersfield, CA auto insurance until you’ve compared rates. Get free Bakersfield, California auto insurance quotes when you enter your ZIP code above.

Bakersfield, CA Minimum Auto Insurance Requirements

The required auto insurance in Bakersfield, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Bakersfield, California is outlined here.

Minimum Required Auto Insurance Coverage in Bakersfield, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Buy Cheap Bakersfield, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Bakersfield, California auto insurance rates? Find out how car insurance rates in Bakersfield, CA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Bakersfield, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,879 $2,883 $2,082 $2,109 $7,859 $9,876 $3,689 $4,065
Farmers $2,661 $2,661 $2,399 $2,399 $8,505 $13,958 $3,155 $3,515
GEICO $1,615 $1,617 $1,520 $1,520 $4,908 $4,995 $2,319 $2,373
Liberty Mutual $2,133 $2,011 $1,991 $1,924 $4,596 $4,922 $2,393 $2,428
Nationwide $3,140 $2,997 $2,751 $2,593 $7,984 $8,816 $3,747 $3,700
Progressive $1,861 $1,915 $1,582 $1,877 $4,958 $5,975 $2,687 $2,888
State Farm $3,426 $3,426 $3,061 $3,061 $6,313 $7,831 $3,793 $3,911
Travelers $2,425 $2,348 $2,142 $2,120 $5,001 $5,702 $3,148 $3,080
USAA $1,921 $1,820 $1,873 $1,882 $4,371 $4,395 $2,655 $2,510

Buy Cheap Bakersfield, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Bakersfield can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Bakersfield, CA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Bakersfield, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,859 $9,876
Farmers $8,505 $13,958
GEICO $4,908 $4,995
Liberty Mutual $4,596 $4,922
Nationwide $7,984 $8,816
Progressive $4,958 $5,975
State Farm $6,313 $7,831
Travelers $5,001 $5,702
USAA $4,371 $4,395

Buy Cheap Bakersfield, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Bakersfield, California by comparing Bakersfield senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Bakersfield, CA here.

Annual Auto Insurance Rates for Senior Drivers in Bakersfield, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,082 $2,109
Farmers $2,399 $2,399
GEICO $1,520 $1,520
Liberty Mutual $1,991 $1,924
Nationwide $2,751 $2,593
Progressive $1,582 $1,877
State Farm $3,061 $3,061
Travelers $2,142 $2,120
USAA $1,873 $1,882

Find Cheap Auto Insurance Rates in Bakersfield, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Bakersfield, California auto insurance. Compare Bakersfield, CA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Bakersfield, California

Insurance Company Low Medium High
Allstate $4,166 $4,471 $4,653
Farmers $4,579 $4,943 $5,197
GEICO $2,374 $2,637 $2,814
Liberty Mutual $2,593 $2,824 $2,983
Nationwide $4,005 $4,545 $4,848
Progressive $2,657 $3,057 $3,190
State Farm $3,924 $4,428 $4,706
Travelers $2,820 $3,332 $3,585
USAA $2,428 $2,731 $2,876

Find Cheap Bakersfield, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Bakersfield. Compare auto insurance rates in Bakersfield, CA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Bakersfield, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,989 $4,872
Farmers $4,452 $5,361
GEICO $2,370 $2,847
Liberty Mutual $2,569 $3,031
Nationwide $3,944 $4,988
Progressive $2,693 $3,243
State Farm $4,194 $4,511
Travelers $2,922 $3,569
USAA $2,468 $2,888

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Find Cheap Bakersfield, CA Auto Insurance Rates by ZIP Code

Auto insurance rates in Bakersfield, California can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Bakersfield, CA to see how much where you live in Bakersfield affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Bakersfield, California

ZIP Code Average Annual Rates
93301 $5,125
93304 $5,075
93305 $5,071
93306 $4,913
93307 $5,020
93309 $4,922
93311 $4,927
93312 $4,661
93313 $4,955

Find Cheap Bakersfield, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Bakersfield, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Bakersfield, CA, take a look at the average cost for various violations versus rates for a clean driving record in Bakersfield.

Annual Bakersfield, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,664 $4,491 $7,070 $3,495
Farmers $3,626 $4,939 $6,155 $4,906
GEICO $1,825 $2,813 $3,532 $2,263
Liberty Mutual $2,430 $3,254 $2,940 $2,575
Nationwide $3,117 $3,996 $6,756 $3,996
Progressive $1,941 $3,301 $3,830 $2,799
State Farm $3,106 $3,704 $6,995 $3,605
Travelers $2,166 $3,534 $4,096 $3,187
USAA $1,780 $2,648 $4,337 $1,949

Find Cheap Bakersfield, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Bakersfield, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Bakersfield for less when you shop around and compare rates from multiple Bakersfield, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Bakersfield, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,070
Farmers $6,155
GEICO $3,532
Liberty Mutual $2,940
Nationwide $6,756
Progressive $3,830
State Farm $6,995
Travelers $4,096
USAA $4,337

Winners by Category: Where to Buy Cheap Auto Insurance in Bakersfield, CA

Compare rates from the cheapest auto insurance companies in Bakersfield, CA for your needs. Take a look at how Bakersfield, California auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Bakersfield, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Find Cheap Bakersfield, California Auto Insurance Companies

If you’re looking for the cheapest Bakersfield, CA auto insurance companies overall, you can compare them here. Find the best price for Bakersfield, California car insurance by company.

Average Annual Auto Insurance Rates by Company in Bakersfield, California

Insurance Company Average Annual Rates
Allstate $4,430
Farmers $4,906
GEICO $2,608
Liberty Mutual $2,800
Nationwide $4,466
Progressive $2,968
State Farm $4,353
Travelers $3,246
USAA $2,678

What affects Bakersfield, California auto insurance rates?

Local factors affect auto insurance rates in Bakersfield, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Bakersfield auto insurance rates.

Auto Theft in Bakersfield

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Bakersfield, CA auto theft show a total of 2,777 vehicle thefts annually.

Commute Times in Bakersfield

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Bakersfield, CA is 23.0 minutes according to City-Data.

Traffic in Bakersfield

How is traffic in Bakersfield, California? Inrix data shows that Bakersfield, CA traffic makes it the 208th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Bakersfield, CA

You can buy cheap Bakersfield, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Bakersfield, California auto insurance quotes from top companies.

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