High speeds on highways like State Route 99 and the nearby Interstate 5, along with a mix of urban and agricultural roads, contribute to accident risks for Bakersfield drivers. The area’s  frequent dust storms can reduce visibility, while the region’s proneness to wildfires adds another layer of unpredictability. Reliable car insurance keeps you and your finances protected when you’re on the road.

Because Bakersfield is a more rural city than the Los Angeles and San Francisco areas, premiums may be lower than what your neighbors to the north and south are paying. To get the lowest rate for the right coverage, it’s wise to cost-compare with multiple insurers.

We’ve gathered quote data from Jerry customers in Bakersfield to show you how your age, location within the city and driving history can affect your policy costs.

Cheapest minimum coverage insurance in Bakersfield

California requires drivers to carry the following minimum coverages:

• $30,000 per person for bodily injury liability.
• $60,000 for bodily injury per accident for multiple persons injured.
• $15,000 for property damage liability per accident.

Here are some of the cheapest quotes Jerry customers in Bakersfield received for the minimum coverage.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Bakersfield

Full coverage offers more holistic protection. This insurance combines collision coverage, which pays to repair damage to your vehicle after an accident, regardless of who is at fault, and comprehensive coverage, which kicks in if your car is stolen or damaged by something other than a collision, like a weather event. The state’s minimum required insurance doesn’t provide coverage for any of those situations.

Here are the cheapest quotes that Bakersfield drivers received for full coverage via Jerry.

Cheapest car insurance for young drivers in Bakersfield (18-29 years old)

Younger drivers tend to pay the highest rates for car insurance, but that doesn’t mean the dream of heading east to the mountains or west to the beach is out of reach.

Here are the cheapest quotes that young drivers in Bakersfield have received via Jerry.

Cheapest car insurance for mature drivers in Bakersfield (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

Cheapest car insurance for drivers with clean records in Bakersfield

Drivers in Bakersfield with a no claims or violations have a better chance of getting a lower rate than those with imperfect driving records.

These are the cheapest quotes that Bakersfield drivers with clean records have received through Jerry.

Cheapest car insurance for drivers with at-fault accidents in Bakersfield

Cheapest car insurance for drivers with speeding tickets in Bakersfield

A speeding ticket often causes your car insurance rate to rise, but the amount may depend on the speed you were cited at. Here are the cheapest quotes for drivers in Bakersfield who were ticketed for speeding.

Cheapest car insurance for drivers with DUIs in Bakersfield

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.