Car Insurance in Bakersfield

California is recognized for its expensive premiums, as its mean rate is 20% greater than the national average. Premiums run high in the city as well, so in Bakersfield, it is important to cut costs while insuring a vehicle. Going over some tips about how to save on Bakersfield car insurance can save you money.

  • City Average: $1,702
  • State Average: $1,713
  • National Average: $1,427

Bakersfield Car Insurance by Accident or Violation History

Do you know how much an accident or violation history can cost you in terms of car insurance rates? $3,157 is the extra cost per year for drivers with a DUI or reckless driving charge in Bakersfield, compared to the city average of $1,702. You can expect your yearly car insurance premiums to grow by 56% if you are found at-fault in an accident in Bakersfield.

  • DUI: $4,859
  • Reckless Driving: $4,859
  • At-fault Accident (damages less than $1000): $2,654
  • At-fault Accident (damages greater than $2000): $2,654
  • Speeding Ticket (16-20 mph over speed limit): $2,306

Bakersfield Car Insurance by Age

The most significant fall in premiums for Bakersfield drivers happens when they reach their 20s. Once out of the teenage age bracket, individuals save, on average, 61%. The first time drivers can anticipate their age to trigger a rise in insurance rates is when they turn 70. Teenage drivers have the highest rates of any age group, with car insurance payments of $6,317 on average. Drivers in their 60s save money on premiums, as they have the lowest rates among all age groups, paying only $1,452 annually. People in their 50s ($1,497) aren’t paying significantly more.

  • Teenagers: $6,317
  • 20s: $2,493
  • 30s: $1,670
  • 40s: $1,615
  • 50s: $1,497
  • 60s: $1,452
  • 70s: $1,613

Bakersfield Car Insurance by Marital Status

There are quite a few factors, including marital status, that can have an effect on car insurance premiums in Bakersfield. Rates for those who are widowed are relatively cheaper than rates for those who are single. Those who are married save $73 per year compared to those who are single.

  • Female: $1,702
  • Male: $1,702
  • Single: $1,702
  • Married: $1,629
  • Divorced: $1,702
  • Widowed: $1,636

* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance.

* Insurance rates aren't impacted by gender in Bakersfield.

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

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

$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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