Cheap Car Insurance in Bakersfield, Ca.: Affordable Rates (2023)

We have selected the best car insurance options available in Bakersfield, which include Geico, USAA, Progressive, Mercury and AAA. 

These companies provide insurance premiums that are lower than both the average minimum- and full-coverage rates in the city, and they are known for providing great customer service to policyholders and high-quality insurance services.

Keep reading: Cheap Car Insurance

Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with a clean driving history.

Our data shows that the average cost of car insurance for minimum-coverage insurance in Bakersfield is $48 per month or $574 per year. This is about 9% less than the national average of $52 per month or $625 per year. Similarly, full-coverage insurance costs $185 per month or $2,217 per year on average, which is about 11% more expensive than the national average of $167 per month or $2,008 per year for full coverage.

Cheapest Liability Car Insurance in Bakersfield, Ca.

Geico offers the cheapest liability insurance with average rates of $28 per month or $331 per year. USAA is the second-cheapest option in Bakersfield with average rates of $37 per month or $449 per year.

Liability coverage is the minimum coverage required by the state of California. According to California law, all drivers must either meet or exceed the following minimum requirements:

• $30,000 bodily injury liability per accident
• $15,000 bodily injury liability per person
• $5,000 property damage liability per accident

Cheapest Full-Coverage Car Insurance in Bakersfield, Ca.

A full-coverage car insurance policy can be pricey in Bakersfield. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Mercury is the cheapest full-coverage option with average rates of $141 per month or $1,689 per year.

Auto insurance companies in California aren’t allowed to use a driver’s age, gender or credit score to set their car insurance rate. However, as a Bakersfield motorist, your driving history and ZIP code will still largely determine what you’ll pay for car insurance coverage.

This section will explore the cheapest automobile insurance coverage costs on average for different driving profiles in Bakersfield, Calif.

Bakersfield Car Insurance Cost by Age

While California car insurance companies can’t use age to set rates, they’ll still charge a tad more for teenage drivers because teens are brand-new drivers who typically lack experience behind the wheel.

Our data shows 16-year-olds pay about $150 per month or $1,806 per year for car insurance in Bakersfield. Given that Bakersfield is in California, this rate is still significantly cheaper than what most teenagers have to pay in other states across the country. 

As drivers get older, the cost of car insurance generally decreases until they hit middle age. Here are some examples of the average minimum amount of money drivers in different age groups pay for car insurance in Bakersfield:

Cheapest Car Insurance in Bakersfield, Ca.: Teen Drivers

Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows Geico is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $95 per month or $1,138 per year. USAA, Progressive and Mercury also offer affordable premiums for Bakersfield teens.

Bakersfield Car Insurance Cost by Driving Record

People who have records of speeding tickets, accidents or DUIs should anticipate a rise in their car insurance rates. On average, speeding can increase your rates by 34%, an at-fault accident by 66%, and a DUI by 155%.

However, different companies have different average price increases. According to our findings, if you have any driving violations on your record, Geico is likely the best company to find the most affordable rates with. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.

Keep reading: Insurance rates for high-risk drivers

Cheapest Car Insurance in Bakersfield, Ca.: Speeding Ticket

According to our data, Geico offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records — $44 per month or $532 per year. USAA follows close behind with an average monthly rate of $46, while Mercury, AAA and Kemper round out the top five options for cheap speeding ticket car insurance in Bakersfield, Ca.

Cheapest Car Insurance in Bakersfield, Ca.: At-Fault Accident

Speeding tickets can cause your auto insurance costs to rise, but accidents — especially accidents that you cause — can make rates spike even more. USAA and AAA are the cheapest options here with average rates of about $60 per month and $64 per month, respectively. You can see some auto insurance companies charge significantly more for this amount for coverage after an accident.

Cheapest Car Insurance in Bakersfield, Ca.: DUI

Driving under the influence puts you at a much greater risk of getting into car accidents than a person with a clean driving record, so auto insurers offset their own financial risk by raising your car insurance rates up to hundreds of dollars each year in Bakersfield. 

Mercury is very cheap compared to other companies — offering average rates of $71 per month or $856 per year for drivers with a DUI. Geico, Progressive and Kemper are also good options with rates under $102 per month on average.

Bakersfield Car Insurance Cost by ZIP Code

Where you live in Bakersfield will also play a part in your overall cost of car insurance. To car insurers, you’re more likely to file a claim if you live in an area that has higher rates of:

• Cars on the road
• Vehicular theft
• Auto vandalism
• Car accidents
• DUI convictions
• Speeding tickets
• Other traffic incidents

Below, you can see certain ZIP codes in Bakersfield can be up to 3.8% cheaper or 5.9% more expensive than the city average.

Car insurance rates in Bakersfield are already lower than the national average by 9% — and you can find even cheaper auto coverage, which is great news. Geico charges only around $28 per month for minimum coverage. If you’re looking for full coverage, Mercury is the ideal company to look into, as it offers affordable rates of $141 per month to drivers in Bakersfield.

Compare free quotes to find the company that meets your California car insurance needs at the best rate. You can compare insurance products and get auto insurance quotes online or from insurance agents.

Here are some frequently asked questions about the cheapest auto insurance in Bakersfield, Ca.:

*Cost data comes from Quadrant Information Services and is accurate at time of publication.