How much does car insurance cost in Bakersfield?


Car insurance costs an average of $1,839 per year in Bakersfield, California. That's less than the statewide average in California ($1,868) and more costly than the national average of $1,548. Our guide to Bakersfield car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!


BAKERSFIELD CAR INSURANCE RATES
Bakersfield Average (annual)California AverageUnited States Average
$1,839$1,868$1,548

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Bakersfield car insurance rates by provider


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Bakersfield, GEICO offers the cheapest rates for the average insurance customer. See below the best companies for cheap auto insurance in Bakersfield — but don't forget to get personalized car insurance quotes to match your driving profile.


BAKERSFIELD CAR INSURANCE RATES BY COMPANY
CompanyAverage Rate (annual)
GEICO$1,201
Mercury$1,408
AAA$1,629
Infinity$1,719
Alliance$1,987

Consult our expert guide to finding the best cheap car insurance.



Bakersfield car insurance costs by age

The age group that pays the least for car insurance in Bakersfield are drivers in their 60s ($1,638per year). Those in their 50s don't pay significantly more ($1,649).

The Bakersfield drivers who face the priciest insurance rates are teenagers. When Bakersfield drivers hit their 20s, their insurance rates drop substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Bakersfield is $4,006. That's the biggest gap in premiums between any pair of age brackets.


CAR INSURANCE RATES BY AGE TIER IN BAKERSFIELD
Age tierAverage Annual Rate
Teenagers$6,719
20s$2,714
30s$1,789
40s$1,729
50s$1,649
60s$1,638
70s$1,892

Learn more about the impact of age on car insurance premiums.



Bakersfield car insurance rates by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In Bakersfield, married drivers pay $74 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Bakersfield, single drivers pay more than those who are widowed.

Gender is another factor that can affect car insurance rates. In Bakersfield, female drivers pay more for auto insurance than do male drivers: $0 per year, to be precise.


INSURANCE RATES IN BAKERSFIELD BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,839
Male$1,839
Single$1,765
Married$1,765
Divorced$1,839
Widowed$1,789

Learn more about how gender and marital status have on car insurance rates.



Bakersfield car insurance costs by driving history


No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Bakersfield drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $3,165 per year versus the city average. A ticket for speeding results in a $746 rate hike while a DWI or DUI violation costs $3,076per year in extra insurance expenditures.


AVERAGE BAKERSFIELD INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Rate
DUI/DWI$4,915
Reckless Driving$5,004
At-fault Accident (damages less than $1,000)$1,846
At-fault Accident (damages greater than $2,000)$3,215
Speeding Ticket (16-20 mph over speed limit)$2,585

Learn more about citations' impact on your auto insurance rates.



Bakersfield car insurance premiums by credit level


One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. In fact, Bakersfield drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 0% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Bakersfield, improving your credit to "Fair" could help you earn $0 in savings on insurance premiums each year.


BAKERSFIELD AUTO INSURANCE PREMIUMS BY CREDIT LEVEL
Credit LevelAverage Rate (annual)
Very Poor$1,839
Fair$1,839
Good$1,839
Very Good$1,839
Exceptional$1,839

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



What drives up car insurance rates in Bakersfield?

Where you live in Bakersfield affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Bakersfield is no exception to the rule. From ZIP code 93314 to 93304, premiums rise by 11 percent—that’s $140.

Expensive Bakersfield ZIP codes: 93313, 93301, 93307, 93305, 93304

Cheap Bakersfield ZIP codes: 93314, 93312, 93308, 93311, 93309

Bakersfield Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Bakersfield, you can expect 36 rainy days with an annual rainfall of 6 inches. Bakersfield is also known to experience earthquakes and wildfires.

36

Rainy Days a Year

6"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Bakersfield

2
Major Highways
SR 58 SR 99 SR 178
2
Public Transit
GET Bus

Car Insurance Companies in Bakersfield

21st Century AFI Aegis Alliance United Allied Allstate Arrowhead Aspire Advantage Aspire Savings Auto Club (AAA) Bristol West California Automobile Assigned Risk Plan California Capital Carnegie Century National Clearcover Dairyland Direct Auto Esurance FIMC Farmers Foremost GEICO Grange Hippo Infinity Infinity RSVP Infinity Special Kemper Auto Kemper Preferred Liberty Mutual Mendota Mercury MetLife Metromile Multi-State National General Nationwide Progressive Safe Auto Safeco State Farm Stillwater Sun Coast General The General The Hartford Titan Travelers USAA Unitrin Viking Workmen's Auto

Find Local Bakersfield Agents

Wm K Lyons Agency, Inc

2100 F Street, Suite 200, Bakersfield, CA 93301

Wilson Paves & Associates Insurance Agency, Inc.

3636 Pegasus Dr, Bakersfield, CA 93308

Hay Insurance Agency, Inc.

4921 Calloway Drive, Suite 101, Bakersfield, CA 93312

2

$1,383

The average Bakersfieldian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

221

That's equal to 221 cups of coffee or $553 in savings

See How Much You Can Save in Bakersfield

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Recent Questions:

Bakersfield Car Insurance

Can I get insurance on just my driver's license

If you do not own a car and you are not going to be driving someone else's car regularly, you can get a non-owners policy. A non-owners policy will allow you to drive any car. It will only cover you for liability.

Debris fell out of truck and damaged my bumper

I recommend you contact your insurance company and give them all the information regarding the accident. This includes photos of the damage to your vehicle, the highway name it happened, time, license plate of at-fault driver, and vehicle description.

I was in an at-fault accident and don't have collision insurance

Unfortunately, you don't have a lot of options here unless you had specifically asked for collision and comprehensive coverage and your insurance representative never applied it or charged you for it. Collision and comprehensive is the coverage that protects you are whereas your basic liability is what protects you from being financially responsible for the damages you cause to other vehicles.

If my car was damaged at a gas station due to bad weather, who pays for the repair?

For damage caused to your vehicle by objects other than a vehicle, comprehensive coverage would normally pay for your repair. This type of damage would have to be covered by your own insurance company unless you have proof that the item that caused damage to your vehicle came from a specific source, i.e.