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Single-car drivers in Bakersfield pay an average of $2,340 annually for car insurance. That’s about $195 per month to insure your car.
Bakersfield is informally known as the country music capital of the West Coast—but there’s a reason that Merle Haggard and Buck Owens weren’t singing about cheap car insurance rates. While car insurance costs in Bakersfield are lower than the national and state average, factors like traffic congestion, natural disasters, and high property crime rates result in more costly premiums.
Whether you stick to your state’s minimum liability requirements or opt for a full-coverage policy with comprehensive and collision insurance, your home state plays a big role in determining how much you pay to protect your wallet against car-related expenses.
To find the best coverage options for your vehicle in California, download Jerry, the world’s first super app for car owners and your key to optimized insurance!
Best car insurance companies in Bakersfield
There’s no single company that offers the best rate to everyone in Bakersfield . If you’ve recently moved or are looking to optimize your coverage, the best option is to compare multiple quotes from different companies. Sound like a drag? The Jerry app can get it done in a matter of seconds, saving you time and money while setting you up with the best coverage available!
Take a look at the table below for comparison of real Jerry customers’ rates in Bakersfield :
No matter what provider you choose, you’ll need to meet your state’s minimum legal requirements for car insurance. In most cases, that means buying a certain amount of liability insurance, but you may also need to carry uninsured motorist coverage, medical payments coverage, or personal injury protection.
State requirements and risk assessments associated with zip codes mean your rate could vary not just from state to state or city to city, but block to block! With so many factors at play, finding the best coverage becomes dizzyingly complex. That’s why Jerry exists: to simplify car insurance comparison with authoritative quotes from over 55 top insurance providers.
Yes, many insurance companies check your credit score, along with your driving history, claims history, age, and other factors, to establish payment plan eligibility and determine risk when setting your car insurance rate. You'll typically qualify for lower rates if you have a good credit-based insurance score, an excellent driving history, and zero claims on your driving record.
However, the practice has been banned in Massachusetts, Hawaii, and California, so your credit score won’t impact your insurance premium if you live in one of those states.
Is it more expensive to insure a new or old car?
For several reasons, insuring a new car can be more expensive than insuring an old one. First, the payout cost of a new car is significantly higher than an older car, so if you’re involved in an accident or your car is stolen, insurers are on the hook to reimburse you for the current value of that vehicle. For example, a brand-new Honda Civic may cost over $30,000, while a used one could be less than $15,000.
In addition, new cars are equipped with a variety of safety and driver-assist features that can reduce accident risk. Since insurers reward safety, it can help to lower rates as well. But again, newer technology is expensive and will result in pricier claims in the event of an accident.
How much does car insurance in Bakersfield cost?
Rates for car insurance in the same state can fluctuate wildly depending on your specific zip code. Depending on your city’s demographics—including population density, average age, and accident rate—your car insurance premiums may be much higher or lower than a neighboring city.
Here’s what real Jerry customers paid for car insurance in Bakersfield:
How do Bakersfield insurance rates compare to similar areas? Take a look at the table below to see.
Let’s break down what makes car insurance in Bakersfield so expensive. The graph below shows how much California drivers pay, on average, for liability insurance, comprehensive coverage, and collision insurance—the three main elements of what’s called “full coverage car insurance.”
Liability coverage, which is the bare minimum required by law, covers repairs and medical expenses for other drivers if you’re in a collision
Comprehensive insurance covers repairs to your car caused by something other than a collision (e.g. vandalism, natural disasters, or theft)
Collision insurance covers repair costs for your vehicle following a collision with another car or a stationary object
So, how much car insurance does California require?
How much insurance do I need in California?
In California, minimum insurance requirements are $15,000 for bodily injury liability per person, $30,000 of bodily injury liability for each accident, and $5,000 of property liability for each accident. These minimum requirements are known as the 15/30/5 rule.
What do you need if you’re pulled over?
If you’re involved in an accident or pulled over by law enforcement, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is California a no-fault state?
No, California is an at-fault state This means the at-fault driver’s insurance will pay for the not-at-fault driver’s and passengers' injuries, once the at-fault driver’s insurance company accepts liability and confirms that there is enough coverage.
Take a look at the graph to visualize how much your expenses could increase if you opt for full coverage.
But those are just the minimum requirements you need to avoid a violation. If you’re in an accident, state minimum insurance might not cover all your expenses—especially if you or anyone in your vehicle is injured, or your car sustains significant damage.
That’s why experts generally suggest carrying more than the minimum required coverage. As previously mentioned, so-called “full-coverage” policy typically includes liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
On top of that coverage, you can check out special add-ons to fit your situation, vehicle, and unique needs. Do a lot of driving on remote back roads? Towing and labor coverage could get you out of a tight spot. Work for a rideshare company? Be sure to invest in rideshare insurance. You can even add specialized insurance for your car’s sound system if you’ve got a premium audio setup.
Best car insurance for bad drivers in Bakersfield
Listen, we’re not here to judge. Maybe you had a bad day and ended up with a reckless driving charge or a DUI. Maybe you had a really good day and landed yourself an accidental speeding ticket.
No matter the reasons behind your tickets, even minor traffic violations can have an outsize impact on your insurance premium, especially if they’re repeated. And just one major offense (think DUI) could get you labeled as a “high-risk driver” by your insurance company. Worst of all, that label can follow you for years in some cases—even if you’ve cleaned up your act and drive like a saint.
Here’s where Jerry comes in. Even if your driving record is less than stellar (like, a lot less), there are still ways to optimize your rates and coverage to get the policy you need. Here’s how much Jerry customers in Bakersfield with a history of violations saved on insurance:
How much is car insurance in Bakersfield with a DUI?
If you have a DUI on your record, your car insurance premium in Bakersfield could increase by as much as 8%.
How much does your car insurance increase after a speeding ticket in Bakersfield?
If you’re caught speeding through Bakersfield and end up with a ticket, you can expect to see your insurance rate jump by about 24%. And keep in mind—repeated speeding tickets could cause an even bigger increase!
How many drivers in Bakersfield have been in an accident?
About 9.54% of drivers in Bakersfield have been in an accident - resulting in an average rate increase of 24%.
How many fatal accidents happen in Bakersfield each year?
According to local accident statistics, there are roughly 9.7 fatal accidents per 100,000 residents in the city of Bakersfield each year. Insurance won’t protect you against accidents like this, so be sure to drive safely!
Best car insurance in Bakersfield by age
Young people get stereotyped all the time—but when insurance companies do it, it can cost you hundreds of dollars a year!
Best car insurance in Bakersfield for young drivers
That’s because insurance companies use age as a metric for risk. Providers see young drivers as less experienced and more likely to submit claims (i.e., cost them money) than older drivers—so they tend to hike rates for anyone under 25.
Of course, you know that no magic switch it going to flip when you turn 25 to make you a safer driver. You might even be the safest driver you know! But that won’t stop insurance companies from saddling you with a high rate.
To keep your rates low at a young age, check out these simple hacks:
Plenty of insurance companies offer good student discounts to anyone under age 25 with a B average or higher. If you’re still in school, your grades could be the key to insurance savings!
If you can get on a family plan with an older relative or friend, you’ll benefit from their lower risk rating and get a lower rate on the same coverage.
Check for state-approved defensive driving courses. Many insurance companies will give you a discount if you can prove that you’ve attended a course.
Play the long game and stick with one insurance company for a few years. If you maintain a good driving record, you could score multiple discounts for loyalty and safe driving!
Telematics programs like Jerry’s Drive Well, Earn Perks offer discounts and rewards for safe driving—and instead of basing your savings on your age, it’ll be based directly on how you actually drive!
Want to see how much more you might pay for car insurance in Bakersfield based on your age? Check out the table below.
Car Insurance in Bakersfield for your car
Your age and driving record aren’t the only things that determine your car insurance rates in Bakersfield. The vehicle you drive also plays a role.
The Toyota Prius is one of the most popular cars in California—and it’s cheaper to insure than a lot of the SUVs and electric cars on the road today. But if you drive a minivan, a truck, or a sports car, you might be looking at a higher premium than your other Bakersfieldneighbors.
Take a look at the table below for a full rundown of how much insurance for different makes costs in Bakersfield.
More people in Bakersfield drive a Toyota Sequoia Sr5 than any other car! On average, these drivers pay $1,654 for their auto insurance.
What is the most expensive car to insure in Bakersfield?
At an average of $5,586 per year, a Mercedes-Benz C 300 4Matic is the most expensive car to insure in Bakersfield. If you drive one, we’re sorry.
Car insurance cost based on where you live in Bakersfield:
Now, we’ve been talking about “drivers in Bakersfield” as if everyone sees the same rates—but in fact, your rate can vary by zip code, making it possible to have a completely different rate from your neighbor two blocks away.
Why? The simple answer: accident rates and property crimes. Maybe your zip code puts you closer to a major road with tons of accidents, or you’re in a hotspot for auto theft. Within Bakersfield, drivers in the 93314, 93305, 93301, 93307 and 93311 zip code typically have the highest car insurance premiums, while the cheapest rates are found in the 93304, 93306, 93313, 93308 and 93312 code.
Want to see the average rates in your zip code? Take a look at the breakdown below.
Finding a good car insurance policy in Bakersfield is just the beginning. If you’re new to the area, here’s everything you should know about driving in Bakersfield.
First off: weather. Bakersfield gets approximately 36 days of rain each year, for an annual total of 6" inches. And in the winter, you can expect 0" inches of snow. Jerry’s research has shown that heavy rain is responsible for more fatal car accidents than snow, so be sure to drive carefully in inclement weather (and invest in a good collision coverage policy!).
Bakersfield driving FAQs
What are the average gas prices in Bakersfield?
The price of gas in Bakersfield varies over time, but it’s typically about 27.0% higher than the national average. For tips to help save money on gas, check out our guide!
What is the rate of catalytic converter theft in Bakersfield
On average, 9.84 catalytic converters are stolen annually in Bakersfield per 1,000 cars.
What is the average commute time in Bakersfield?
The city ranked #168 for most congested city in the United States, and the average Bakersfield driver lost 7 hours in congestion in 2021. The average one-way commute takes 22.6 minutes, which is shorter than the US average of 26.4 minutes.
How can you save money on car insurance in Bakersfield?
Let’s face it: living in Bakersfield means living with higher than average insurance rates. Add that to an already high cost of living overall, and saving money on insurance becomes a great way to free up space in your budget.
Sound impossible? Not at all! Here are a few simple ways to save money on car insurance in Bakersfield.
Compare quotes and shop often
That’s right—shopping for car insurance doesn’t have to be a one-and-done. In fact, experts recommend comparing quotes from at least three companies and shopping for new rates every six months!
Okay, we agree: that sounds like a huge pain, especially if it’s only saving you a few extra dollars each month. That’s why we created Jerry, the world’s first super app for car owners. The Jerry app takes the time, effort, and hassle out of car insurance shopping through the power of technology.
In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best coverage at the best rate for you. Pick the quote you like, and Jerry will handle all the paperwork—we’ll even help you cancel your old policy! Best of all, Jerry conducts routine price monitoring so you never have to worry about shopping for new rates again.
And the savings? The average Jerry user saves over $800 a year just by letting the app do their shopping.
Hunt for discounts
Here’s the one insurance savings hack that requires a little legwork on your part: finding discounts. Every insurance company offers them, but they’re not all the same, and companies often won’t advertise them directly.
That means it’s on you to search for the best discounts for you. Call your insurance company and ask about the following types of discount:
Good driver discounts:
Bakersfield drivers are in luck—state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
You need to prove a long record of safe driving for a state-mandated good driver discount, but many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
Good student discounts:
Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
You’ve heard it before—bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
These are just some of the most popular car insurance discounts in California—but it’s not an exhaustive list! Call your agent and ask what other discounts are available.
Increase your deductible
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
If you’re wondering “what is my deductible, actually?”, think of it as the amount you’ll pay out of pocket before insurance kicks in. Keeping your deductible low ensures you won’t have to pay much in the event of an accident—but it also means your monthly costs will be higher.
Raising your deductible will lower your regular payments, and if you’re already practicing safe driving for discounts, it’s a win-win! Just make sure that you have enough to cover the deductible if you do get into an accident—after all, there’s no way to predict and prevent every collision.