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 AverageState AverageNational Average
$1,794$1,748$1,569


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
Violation/IncidentMean Rate
DUI$5,068
Reckless Driving$5,068
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/GenderAverage Rate
Female$1,794
Male$1,794
Single$1,794
Married$1,717
Divorced$1,794
Widowed$1,725


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
AgeAverage Rate
Teenagers$6,556
20s$2,606
30s$1,762
40s$1,703
50s$1,581
60s$1,532
70s$1,630


* 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.

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

Find Local Bakersfield Agents

Hay Insurance Agency, Inc.

4921 Calloway Drive, Suite 101 Bakersfield, CA 93312

Wilson Paves & Associates Insurance Agency, Inc.

3636 Pegasus Dr Bakersfield, CA 93308

Wm K Lyons Agency, Inc

2100 F Street, Suite 200 Bakersfield, CA 93301

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.

Does my renters insurance coverage damage to my vehicle?

In short, no. Your renters insurance excludes damage to your vehicle because it is considered a part of your car insurance.

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.