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 Average||United States Average|
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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
|Company||Average Rate (annual)|
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 tier||Average Annual Rate|
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/Gender||Average Annual Rate|
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/Violation||Average Annual Rate|
|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|
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 Level||Average Rate (annual)|
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.
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