How Much Does Auto Insurance Cost in Bakersfield?


California premiums, which are $286 higher than the national average, are known for being expensive. Premiums also run high in the city, so in Bakersfield, it is vital to save while insuring a vehicle. Let's compare car insurance costs in Bakersfield versus premiums across the nation.


AUTO INSURANCE COSTS: BAKERSFIELD VS. STATE/US AVERAGES
City AverageState AverageNational Average
$1,702$1,713$1,427


Bakersfield Auto Insurance by Marital Status


Marital status is among the various driver attributes that affect car insurance premiums in Bakersfield. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Being single can cost you close to 4% more per year compared to being married.


BAKERSFIELD AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,702
Male$1,702
Single$1,702
Married$1,629
Divorced$1,702
Widowed$1,636


Bakersfield Car Insurance for Drivers With At-Fault Accidents or Violations


Being knowledgable about which driving mishaps can make your rates spike will help you make better decisions and save money. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. $3,157 is the additional cost per year for drivers with a DUI or reckless driving violation in Bakersfield, compared to the city average of $1,702. Even among safe drivers, accidents happen, so be prepared and learn what one can do to your rates. $952 is, on average, the additional cost for car insurance in Bakersfield if you have an at-fault accident on your driving record.


AVERAGE BAKERSFIELD INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Annual Premium
DUI$4,859
Reckless Driving$4,859
At-fault Accident (damages less than $1,000)$2,654
At-fault Accident (damages greater than $2,000)$2,654
Speeding Ticket (16-20 mph over speed limit)$2,306


Bakersfield Auto Insurance Costs by Driver Age

When looking across all age groups, drivers in their 60s have the smallest car insurance rates. Their rates usually average $1,452/year. However, people in their 50s ($1,497) also have relatively low premiums. Teenage drivers have the biggest premiums amongst all the age groups. They have typical car insurance payments of $6,317 per year. The greatest fall in premiums between any age group is from the teenage age range to the 20s, as drivers in Bakersfield start paying 61% less in premiums. In Bakersfield, turning 70 means an increase in premiums. Up until then, progressing between age groups means decreasing prices.


BAKERSFIELD AUTO INSURANCE PRICES BY DRIVER AGE
AgeAverage Rate
Teenagers$6,317
20s$2,493
30s$1,670
40s$1,615
50s$1,497
60s$1,452
70s$1,613


* Credit score 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 each year.


* In Bakersfield, gender does not influence pricing of 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

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

Car Insurance Companies in Bakersfield

Find Local Bakersfield Agents

Wm K Lyons Agency, Inc

2100 F Street, Suite 200 Bakersfield, CA 93301

Hay Insurance Agency, Inc.

4921 Calloway Drive, Suite 101 Bakersfield, CA 93312

Wilson Paves & Associates Insurance Agency, Inc.

3636 Pegasus Dr Bakersfield, CA 93308

$1,383

The average Bakersfieldian's annual cost of coverage

40%

Our customer's average savings after comparing insurance

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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Bakersfield Car Insurance

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