Bakersfield Homeowners Insurance

The Zebra
Aug. 26, 2019

Find affordable homeowners insurance in Bakersfield


A critical consideration for every homeowner should be insurance coverage for your home. Along with your personal belongings, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. With the relative frequency of such incidents -- and the high cost of rebuilding or repairing damages to a home -- obtaining homeowners insurance is a wise investment.

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 can also play a large role in home much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Learn more info about what a home insurance policy covers.

If you want to find cheap home insurance in Bakersfield, start with looking around and comparing different policies. Take a look at the summary below showing average Bakersfield homeowners insurance rates to ensure you start your search with as much background info as possible. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


Bakersfield, California, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Bakersfield by insurance company

Homeowners insurance rates in Bakersfield vary from one insurance company to another. 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.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Bakersfield, California.


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

Average homeowners insurance costs in Bakersfield by coverage level

Your chosen level of homeowners coverage impacts the insurance premiums you pay . In Bakersfield, carrying $200K dwelling coverage costs an average of $638, while carrying additional coverage up to $400K costs $1,163 per year.


HOMEOWNERS INSURANCE RATES IN BAKERSFIELD — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$638
$400K Dwelling$1,163

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Bakersfield home insurance rates by ZIP code

Homeowners insurance premiums can vary depending on what area of Bakersfield in which you live. 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 drastically influence your home insurance rates.

If you're looking for the most affordable home insurance rates in Bakersfield, take at look at the 93311 ZIP code. In the 93311 area, homeowners policies typically cost just $900 on average, which isa full $11 less than the overall average for Bakersfield. Find the best places to live in Bakersfield for cheap home insurance by looking at the following table.


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

On the other hand, some areas of Bakersfield face higher homeowners insurance costs, on average. Crime rates, fire risk, and even your proximity to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. An average annual rate of $926 makes 93308 the most expensive ZIP code in Bakersfield for homeowners coverage.


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



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Money-saving tip: bundle home and auto insurance in Bakersfield

To save a little money, you might consider bundling your homeowners and auto insurance policies through the same company. Bundling your homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in Bakersfield could, in fact, lead to average annual savings of 12%.


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

Bundling your homeowners and auto policies can be a great way to save some money on insurance. Call 855-493-9728 to speak with an insurance expert today.


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