Bakersfield Homeowners Insurance

How to find cheap home insurance in Bakersfield


Home insurance is an important part of owning a home. Along with your personal belongings, homeowners insurance covers your dwelling in the event of many perils, including theft, fire, wind damage, and vandalism. Incidents like this occur frequently. When paired with the high cost of repairing or rebuilding a home, purchasing an expansive homeowners policy can seem like a smart idea.

What you pay for homeowners insurance depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. The location of your home also contributes to the price of your homeowners insurance policy. In areas prone to perils likewindstorms, hail, fire, or even theft , home insurance rates may be higher to account for the extra risk. Discover more about what your homeowners insurance policy covers.

If you want to find inexpensive home insurance in Bakersfield, start with looking around and comparing different policies. Take a look at the summary below showing average home insurance premiums in Bakersfield to begin your homeowners insurance search with as much information as you can. Remember: your homeowners insurance premiums may vary based on your coverage limits and other factors.


Bakersfield, California, homeowners insurance — table of contents:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Rates by deductible level
  5. Bundling discounts

Home insurance in Bakersfield by company

What you pay for homeowners insurance in Bakersfield will depend on the insurance company you get your policy through. The most affordable home insurance in Bakersfield is Mercury offering average annual rates at just $610 per year. This is considerably cheaper than the city’s average homeowners premium of $911.

Start your search for a home insurance policy by reviewing the cheapest companies in Bakersfield, California, listed below.


AFFORDABLE HOME INSURANCE COMPANIES IN BAKERSFIELD
CompanyAverage Annual Rate
Mercury$610
Allstate$706
USAA$747
AmTrust NGH$793
AAA$800

Average homeowners insurance rates in Bakersfield by coverage limit

How much you pay for home insurance coverage is greatly influenced by the level of coverage you choose. In Bakersfield, carrying $200K dwelling coverage costs an average of $638, while carrying additional coverage up to $400K costs $1,224/year.


HOMEOWNERS INSURANCE RATES IN BAKERSFIELD — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$384
$200K Dwelling$638
$250K Dwelling$806
$400K Dwelling$1,224

Compare Homeowners Insurance Rates

Bakersfield home insurance prices by ZIP code

Depending on which part of Bakersfield you live in, you could see a dramatic difference in your home insurance costs. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, your neighborhood's location can dramatically impact your home insurance rates.

The cheapest home insurance rates in Bakersfield are available in 93311. In 93311, the typical home insurance policy costs $900 per year — $11 less than the citywide average in Bakersfield. Find the best places to live in Bakersfield for cheap home insurance by looking at the table below.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN BAKERSFIELD
ZIP CodeAverage Annual Home Insurance Rate
93311$900
93301$900
93314$903

Some parts of Bakersfield, however, have homeowners insurance costs that are higher on average. Fire risks, crime rates, and even your proximity to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. One of the costliest ZIP codes for homeowners coverage in Bakersfield is 93308, with an annual average rate of $926.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN BAKERSFIELD
ZIP CodeAverage Annual Home Insurance Rate
93308$926
93307$925
93305$917

Homeowners insurance deductibles in Bakersfield

Among the plethora of decisions homeowners face when purchasing an insurance policy is how high or low to set the deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. Where you choose to set your homeowners deductible is linked to how much you will pay for insurance.

When considering your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. This means that those seeking lower insurance costs will want to seriously consider a higher homeowners deductible. It's worth mentioning that your deductible should only be as high as you can reasonably pay in the event of a loss.

The table below shows the typical rates associated with most deductibles.


HOME INSURANCE COSTS BY DEDUCTIBLE LEVEL IN BAKERSFIELD
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$906
$1,000$806
$1,500$758
$2,000$684
$5,000$573

Looking for a money-saving tip for insurance in Bakersfield? Try bundling

If you’re looking for ways to save on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling home and auto insurance can be a good money-saving option. By bundling your policies, Bakersfield homeowners could see annual savings of 12% on average.


CHEAPEST CAR INSURANCE WITH HOME BUNDLE IN BAKERSFIELD
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
GEICO$1,128
Mercury$1,165
Farmers$1,484
Allstate$1,831
State Farm$1,846

A great way to save on insurance is to bundle your home and auto policies with the same insurance company.


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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.