How Much Are Car Insurance Rates in Bakersfield?
On average, California premiums surpass the national average by $179. Premiums run high in the city as well, so it is critical to cut costs while insuring a vehicle in Bakersfield. Keep some cash in your pocket by following our tips and saving on auto insurance in Bakersfield.
CAR INSURANCE RATES: BAKERSFIELD VS. STATE/NATIONAL AVERAGES
|City Average||State Average||National Average|
Bakersfield Car Insurance by Accident or Violation History
Past accidents and violations can cost you in terms of prices on car insurance. The value of the damage caused by an accident plays a part in how much insurance rates will increase. Being at-fault in an accident with damages exceeding $2,000 costs you an additional 62% per year in premiums compared to an accident with damages less than $1,000. $3,274 is the additional cost per year for drivers with a DUI or reckless driving charge in Bakersfield, compared to the city average of $1,794.
AVERAGE BAKERSFIELD INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$1,794|
|At-fault Accident (damages greater than $2,000)||$2,903|
|Speeding Ticket (16-20 mph over speed limit)||$2,422|
Bakersfield Auto Insurance by Marital Status and Gender
There are a lot of factors, including marital status and gender, that have an effect on car insurance premiums in Bakersfield. Rates for those who are widowed are moderately cheaper than rates for those who are single. Those who are married save close to $80 per year compared to those who are single or divorced. Males have premiums that are a bit more pricey than those for females.
BAKERSFIELD CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Bakersfield Car Insurance Rates by Age
When drivers hit their 20s in Bakersfield, therefore moving out of the teenage age bracket, they save an average of $5,024, the largest gap between any age group. Turning 70 triggers a rise in rates, but up until that age drivers can anticipate premium reductions when they progress between age groups. Among all age groups, drivers in their 60s have the lowest insurance rates, with rates of $1,532. People in their 50s ($1,581) aren’t paying significantly more. With car insurance payments of $6,556 on average, teenage drivers have the largest premiums of any age group.
BAKERSFIELD CAR INSURANCE RATES BY DRIVER AGE
* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when companies determine how much you'll pay for auto insurance.
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Bakersfield, you can expect 36 rainy days with an annual rainfall of 6 inches. Bakersfield is also known to experience earthquakes and wildfires. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
The average Bakersfieldian's annual cost of coverage
Our customer's average savings after comparing insurance
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