How Much Does Car Insurance Cost in Bakersfield, CA?

The average cost of car insurance in Bakersfield is $1,839 per year. This is slightly lower than the $1,868 statewide average rate in California and higher than the $1,548 national average. In this Bakersfield car insurance guide, drivers can learn what affects their car insurance rates, which including factors like:

• Age
• Driving history
• Marital status

Insurance Online offers a free car insurance quote comparison tool for you to compare the Top 20 car insurance companies in your zip code and take advantage of all the applicable disocunts you qualify for. Compare car insurance quotes in Bakersfield, California and save on your next policy today!

Jump to Bakersfield car insurance rates by:

• Insurance Company
• Age Bracket
• Marital Status
• Violation
• Other Factors
• Weather Conditions

Avergae Car Insurance Rates in Bakersfield, California:

Car Insurance Rates in Bakersfield, CA by Provider

Drivers can save money on car insurance by comparing rates between the best auto insurance companies. In Bakersfield, CA, GEICO is among the most affordable insurance providers. The table below compares providers car insurance rates in Bakersfield:

Bakersfield Car Insurance Rates by Company

Bakersfield Car Insurance Rates by Age

Another factor that car insurance providers consider is a driver’s age. Unlike life insurance, older clients tend to get better rates than those who are younger. For drivers in their 60s, for example, the average rate is $1,638. Teenagers are considered higher risk drivers and typically have higher rates. However, drivers in their 20s pay $4,006 less in premiums than teenagers.

Bakersfield Car Insurance Quotes by Age

Bakersfield Auto Insurance Premiums by Gender and Marital Status

Car insurance carriers also take the gender and marital status of drivers into account when determining insurance quotes. As is in many cities and states, the car insurance rates in Bakersfield, CA are often lower for married drivers. Married drivers pay $74 less for car insurance than single clients. Those who are widowed also have lower rates than single drivers.

Bakersfield Car Insurance Premiums by Marital Status and Gender

Bakersfield Auto Insurance Rates by Violation and Driving History

Car insurance providers consider driving history when providing quotes. Those with infractions on their record receive higher rates than those with clean driving histories. Insurance providers would typically look at details like:

• Speeding citations
• Reckless driving citations
• DUIs
• DWIs
• At-fault accidents

These factors can lead to much higher rates for car insurance. Those with reckless driving citations would usually see a $3,165 increase in their annual rates. Those with speeding tickets would receive a $746 increase in their rates.

Auto Insurance Rates in Bakersfield, CA by Driving History

What Factors Increase Bakersfield Car Insurance Rates?

There are several factors that can affect car insurance rates in Bakersfield. On many occasions, location itself can cause a rate increase. A driver’s location includes factors such as:

• Where you lives
• Where the driver works
• The crime statistics of the area
• The rate of car theft
• The weather
• Natural disasters
• The ZIP Code

The ZIP codes 93314 to 93304 experience the most drastic increase of car insurance premiums by 11% or $140.

Expensive Bakersfield ZIP codes: 93313, 93301, 93307, 93305, 93304

Cheap Bakersfield ZIP codes: 93314, 93312, 93308, 93311, 93309

Bakerfield Driving and Weather Conditions

Bad weather can cause things like:

• Wet brakes
• Slick roads
• Decreased visibility

There are an average of 36 rainy days in Bakersfield per year, which contribute to the average of 710,000 car accidents occur in California annually. Bakersfield, California is also an area that is prone to earthquakes and wildfires, which also affects insurance rates.

Bakersfield Car Insurance: FAQ

Is car insurance mandatory?

Car insurance is a legal requirement across all states in the United States for car owners.

Can I get car insurance without a car?

A non-owner car insurance policy is available for those without cars they personally own.

What is the minimum car insurance required in Bakersfield, CA?

Bodily injury liability and property damage liability.

Will my car insurance also cover car rentals?

Personalized car insurance policies typically cover rented cars within the US.

What happens if I get into an at-fault accident without collision insurance?

Then the damage and repair are not covered. If you have basic liability coverage, though, you won’t need to pay for the damage to the other vehicle yourself.