Cheapest Car Insurance In Bakersfield, CA 2024
Progressive provides the lowest-cost minimum coverage car insurance in Bakersfield, with a monthly rate of about $38.
We’ve saved shoppers an average of $600 per year on their car insurance.
Looking for the cheapest car insurance in Bakersfield, CA, can reveal a wide range of options and prices.
If you’re looking for the lowest-cost liability-only insurance, Progressive takes the lead. For those who prefer full coverage, GEICO provides the best rates, GEICO once more is the most affordable choice for young drivers.
Cheapest Car Insurance Companies In Bakersfield, CA
Cheapest Liability-only Car Insurance In Bakersfield: Progressive
In Bakersfield, Progressive offers the lowest monthly rate for minimum coverage car insurance at an average of $38.
Refer to the table below to compare rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $38 | $452 |
| State Farm | $41 | $490 |
| Nationwide | $47 | $553 |
| Chubb | $63 | $750 |
| Allstate | $55 | $650 |
Cheapest Full Coverage Insurance Rates In Bakersfield: GEICO
GEICO offers the lowest rates for full coverage car insurance in Bakersfield, with average quotes around $81 per month.
The table below shows average auto insurance quotes from budget-friendly insurers in Bakersfield.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $81 | $970 |
| Progressive | $88 | $1,049 |
| Nationwide | $108 | $1,298 |
| State Farm | $97 | $1,159 |
| Allstate | $101 | $1,198 |
Cheapest Car Insurance Rates For Seniors: State Farm
State Farm offers the most affordable car insurance rates for seniors in Bakersfield, averaging $76 per month.
The table below displays average quotes from the most affordable auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $76 | $910 |
| GEICO | $78 | $935 |
| Allstate | $96 | $1,146 |
| Progressive | $89 | $1,050 |
| Travelers | $114 | $1,364 |
Cheapest Rates In Bakersfield For Teenagers: State Farm
In Bakersfield, teenage drivers can get the best quotes from State Farm, averaging $244 per month for premiums.
The table below lists companies offering the lowest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $244 | $2,919 |
| Farmers | $280 | $3,305 |
| Progressive | $307 | $3,680 |
| Allstate | $270 | $3,230 |
| Nationwide | $430 | $5,160 |
Cheapest Auto Insurance For Young Adults in Bakersfield: GEICO
In Bakersfield, GEICO provides the most affordable quotes for young adults, with average monthly rates of $92.
The table below allows you to compare the lowest auto insurance rates for young adults in Bakersfield.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $92 | $1,104 |
| State Farm | $112 | $1,367 |
| Allstate | $110 | $1,325 |
| Progressive | $104 | $1,255 |
| Nationwide | $143 | $1,680 |
Cheapest Car Insurance In Bakersfield For Good Drivers: Progressive
In Bakersfield, good drivers can get the best car insurance quotes from Progressive, averaging about $38 per month.
If you’re a safe driver, the table below shows average quotes from the cheapest insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $38 | $452 |
| State Farm | $41 | $490 |
| Nationwide | $47 | $553 |
| Chubb | $63 | $750 |
| Allstate | $55 | $650 |
Find affordable Bakersfield rates
Cheapest Car Insurance In Bakersfield After A Speeding Ticket: AAA California
In Bakersfield, AAA California stands out as a budget-friendly option, offering average rates of $110 per month for drivers with a speeding ticket.
The table below provides average rates for drivers who have received a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA California | $110 | $1,320 |
| State Farm | $143 | $1,717 |
| Nationwide | $188 | $2,250 |
| Farmers | $181 | $2,170 |
| Allstate | $144 | $1,725 |
Cheapest For Drivers With After At-Fault Accident: GEICO
For drivers with an at-fault incident, GEICO provides the lowest car insurance quotes, averaging $132 per month.
Below are the car insurance providers offering the lowest rates for drivers who have an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $132 | $1,582 |
| Progressive | $178 | $2,130 |
| State Farm | $150 | $1,796 |
| Nationwide | $168 | $2,004 |
| Allstate | $182 | $2,178 |
Cheapest Rates In Bakersfield For Drivers After A DUI: GEICO
For drivers recovering from a DUI, GEICO offers the most affordable rates, with average monthly premiums of $150 for Bakersfield residents.
The table below lists the most affordable rates for drivers in Bakersfield with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $150 | $1,784 |
| Nationwide | $168 | $2,007 |
| Progressive | $177 | $2,130 |
| Travelers | $198 | $2,384 |
| Allstate | $183 | $2,179 |
Best Car Insurance Companies In Bakersfield
In Bakersfield, drivers can get the best insurance rates from Progressive for $38 a month. Alternatively, GEICO offers rates at $40 a month, while State Farm charges $41 per month.
Below are the top 10 car insurance companies in Bakersfield, CA, ranked according to their average monthly rates.
| Company | Monthly Premium |
| Progressive | $38 |
| GEICO | $40 |
| State Farm | $41 |
| Nationwide | $47 |
| Chubb | $63 |
| Allstate | $55 |
| Travelers | $47 |
| Farmers | $53 |
| CIG | $57 |
| AAA California | $39 |
Average Auto Insurance Rates In Bakersfield – By Age
Age plays a crucial role in determining car insurance rates. Generally, younger drivers face higher premiums because they have less experience and are statistically more prone to accidents and traffic violations. Teenagers can anticipate an average annual cost of about $3,624 for car insurance.
Once drivers turn 25, their insurance rates typically start to decline, provided they keep a clean driving record.
Drivers in their 50s and early 60s typically receive the most competitive insurance rates. Insurance companies use age as a measure of driving experience and risk, which affects premium costs.
| Age | Average Yearly Rate |
| Teenagers | $3,624 |
| 20s | $2,040 |
| 30s | $1,584 |
| 40s | $1,480 |
| 50s | $1,472 |
| 60s | $1,464 |
| 70s | $1,656 |
Average Rates In Bakersfield– By Vehicle
The type of vehicle you drive significantly impacts your car insurance rates. Insurers consider factors like the car’s make, model, year, and body type. Generally, newer and luxury models with advanced tech and high replacement costs come with higher premiums.
The table below provides average insurance rates in Bakersfield for various vehicle types.
| Vehicle | Average Monthly Rate |
| Chevrolet Impala | $95 |
| Honda Odyssey | $78 |
| Mitsubishi Outlander | $93 |
| Nissan Versa | $250 |
| Hyundai Sonata | $65 |
How Much Is Car Insurance In Other Cities in California?
Your car insurance rates are heavily impacted by where you live. Insurers consider multiple location-based factors, such as accident likelihood, vehicle theft, and vandalism rates, which tend to be higher in cities and can lead to increased premiums.
For instance, drivers in Fresno typically pay about $156 monthly for car insurance, while those in Lynwood see an average rate of $190 per month.
| City | Average Monthly Rate |
| Jurupa Valley | $158 |
| San Diego | $150 |
| Anderson | $127 |
| Culver City | $187 |
| Fresno | $156 |
| Pleasanton | $137 |
| Lynwood | $190 |
| Norwalk | $176 |
| Redlands | $153 |
| Lancaster | $175 |
Average Cost Of Auto Insurance In Bakersfield – By Zip Code
Insurers use zip codes to assess crime rates in your area, which is why car insurance rates vary by zip code.
The table below provides average insurance rates for various zip codes in Bakersfield
| Zip Code | Average Monthly Rate |
| 93308 | $157 |
| 93311 | $152 |
| 93301 | $156 |
| 93312 | $142 |
| 93307 | $153 |
Find affordable Bakersfield rates
Our Methodology
Based on a detailed analysis that includes customer service ratings, product offerings, pricing, and a thorough review of online feedback and user experiences, I have developed a comprehensive overview of the car insurance landscape in Bakersfield, CA.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Bakersfield?
In Bakersfield, GEICO provides the lowest car insurance rates for the minimum coverage mandated by California, while Progressive offers the best rates for full coverage, including comprehensive and collision protection.
What is the average cost of car insurance in Bakersfield?
In Bakersfield, the average monthly cost of car insurance is approximately $150, though rates can differ depending on factors like your zip code, the year and model of your vehicle, and your driving history.
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