A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The annual number of car thefts in Bakersfield is 2,777.
  • The cheapest car insurance company in Bakersfield for teen drivers is USAA
  • Average car insurance rates in Bakersfield, CA are $301/month

Average car insurance rates in Bakersfield, California are $301 a month. But with a little research you can get a great deal from the top car insurance companies in Bakersfield, CA. Before you buy Bakersfield, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Bakersfield car insurance rates with San Diego car insurance rates, Long Beach car insurance rates, or San Jose car insurance rates to make sure you’re getting the best Bakersfield, CA car insurance quotes available.

Need affordable Bakersfield, CA car insurance? Enter your ZIP code to compare Bakersfield car insurance quotes from multiple car insurance companies near you.

Bakersfield, CA Minimum Car Insurance Coverage

Bakersfield, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Bakersfield, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Bakersfield, CA Car Insurance Rates by Coverage Level

Some Bakersfield drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Bakersfield, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Bakersfield, California

Insurance Company Low Medium High
Allstate $4,166 $4,471 $4,653
Farmers $4,579 $4,943 $5,197
GEICO $2,374 $2,637 $2,814
Liberty Mutual $2,593 $2,824 $2,983
Nationwide $4,005 $4,545 $4,848
Progressive $2,657 $3,057 $3,190
State Farm $3,924 $4,428 $4,706
Travelers $2,820 $3,332 $3,585
USAA $2,428 $2,731 $2,876

Bakersfield, CA Car Insurance Rates by Age, Gender, and Marital Status

Bakersfield, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Bakersfield, CA car insurance, get quotes from multiple car insurance companies in the Bakersfield area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bakersfield, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,879 $2,883 $2,082 $2,109 $7,859 $9,876 $3,689 $4,065
Farmers $2,661 $2,661 $2,399 $2,399 $8,505 $13,958 $3,155 $3,515
GEICO $1,615 $1,617 $1,520 $1,520 $4,908 $4,995 $2,319 $2,373
Liberty Mutual $2,133 $2,011 $1,991 $1,924 $4,596 $4,922 $2,393 $2,428
Nationwide $3,140 $2,997 $2,751 $2,593 $7,984 $8,816 $3,747 $3,700
Progressive $1,861 $1,915 $1,582 $1,877 $4,958 $5,975 $2,687 $2,888
State Farm $3,426 $3,426 $3,061 $3,061 $6,313 $7,831 $3,793 $3,911
Travelers $2,425 $2,348 $2,142 $2,120 $5,001 $5,702 $3,148 $3,080
USAA $1,921 $1,820 $1,873 $1,882 $4,371 $4,395 $2,655 $2,510

Bakersfield, CA Car Insurance Rates for Teens

How much is Bakersfield, California car insurance for teens? Compare rates from top Bakersfield car insurance companies below to help find the cheapest teen car insurance in Bakersfield, CA.

Annual Car Insurance Rates for Teen Drivers in Bakersfield, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,859 $9,876
Farmers $8,505 $13,958
GEICO $4,908 $4,995
Liberty Mutual $4,596 $4,922
Nationwide $7,984 $8,816
Progressive $4,958 $5,975
State Farm $6,313 $7,831
Travelers $5,001 $5,702
USAA $4,371 $4,395

Bakersfield, CA Car Insurance Rates for Seniors

Before seniors buy Bakersfield, California car insurance, they should make sure to shop around. Some Bakersfield, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Bakersfield, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,082 $2,109
Farmers $2,399 $2,399
GEICO $1,520 $1,520
Liberty Mutual $1,991 $1,924
Nationwide $2,751 $2,593
Progressive $1,582 $1,877
State Farm $3,061 $3,061
Travelers $2,142 $2,120
USAA $1,873 $1,882

Bakersfield, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Bakersfield, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Bakersfield.

Annual Bakersfield, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,664 $4,491 $7,070 $3,495
Farmers $3,626 $4,939 $6,155 $4,906
GEICO $1,825 $2,813 $3,532 $2,263
Liberty Mutual $2,430 $3,254 $2,940 $2,575
Nationwide $3,117 $3,996 $6,756 $3,996
Progressive $1,941 $3,301 $3,830 $2,799
State Farm $3,106 $3,704 $6,995 $3,605
Travelers $2,166 $3,534 $4,096 $3,187
USAA $1,780 $2,648 $4,337 $1,949

Bakersfield, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Bakersfield, CA car insurance rates. Compare rates below to see which Bakersfield car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Bakersfield, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,070
Farmers $6,155
GEICO $3,532
Liberty Mutual $2,940
Nationwide $6,756
Progressive $3,830
State Farm $6,995
Travelers $4,096
USAA $4,337

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Bakersfield, CA Car Insurance Rates by ZIP Code

Just like Bakersfield car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Bakersfield, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Bakersfield, California

ZIP Code Average Annual Rates
93301 $5,125
93304 $5,075
93305 $5,071
93306 $4,913
93307 $5,020
93309 $4,922
93311 $4,927
93312 $4,661
93313 $4,955

Bakersfield, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Bakersfield, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Bakersfield companies based on commute time.

Annual Car Insurance Rates by Commute Length in Bakersfield, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,989 $4,872
Farmers $4,452 $5,361
GEICO $2,370 $2,847
Liberty Mutual $2,569 $3,031
Nationwide $3,944 $4,988
Progressive $2,693 $3,243
State Farm $4,194 $4,511
Travelers $2,922 $3,569
USAA $2,468 $2,888

Bakersfield, CA Cheapest Car Insurance Rates

How do the top Bakersfield, California car insurance companies’ average rates stack up against the Bakersfield average monthly car insurance rates of $301? Take a look and see.

Best Annual Car Insurance Rates by Company in Bakersfield, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Bakersfield, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Bakersfield, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Bakersfield, California

Insurance Company Average Annual Rates
Allstate $4,430
Farmers $4,906
GEICO $2,608
Liberty Mutual $2,800
Nationwide $4,466
Progressive $2,968
State Farm $4,353
Travelers $3,246
USAA $2,678

Other Factors Affecting Bakersfield, CA Car Insurance Rates

Before you buy Bakersfield, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Bakersfield, CA Car Theft Rates

The car theft rate in Bakersfield, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Bakersfield, California is 2,777 stolen cars.

Bakersfield, CA Commute Time

How does your Bakersfield, CA commute time compare with the average driver? In Bakersfield, the average commute is 23.0 minutes.

Bakersfield, CA Traffic

Spending time in Bakersfield traffic can lead to higher car insurance rates. According to INRIX data, Bakersfield, CA ranks as the 208th-most congested with traffic in the world.

Bakersfield, CA Car Insurance Quotes

Compare Bakersfield, CA car insurance quotes from multiple companies by entering your ZIP code now.