GEICO is the best source for cheap car insurance in Bakersfield, California, charging $96 a month for a minimum-coverage policy and $111 a month for a full-coverage policy, according to our research.
Key findings:
- Cheapest rates overall: GEICO
- Cheapest with a speeding ticket: Allstate
- Cheapest with a DUI: Mercury
- Cheapest for teens: State Farm
- Cheapest for seniors: GEICO
You may find cheaper rates from other companies, though, if you have violations on your driving record or if you’re a young driver. Keep reading to learn more.
In this article:
- What is the cheapest car insurance company in Bakersfield?
- How much does car insurance cost in Bakersfield?
- Who has the cheapest car insurance for tickets, accidents and DUIs?
- Who has the cheapest car insurance for teens?
- Who has the cheapest car insurance for seniors?
- What are Bakersfield’s car insurance requirements?
Who has the cheapest car insurance in Bakersfield, California? GEICO
Bakersfield drivers can get the cheapest car insurance rates from GEICO at an average of $96 a month for state-minimum coverage, based on our data.
You may find cheaper coverage elsewhere, though, depending on your situation. Several factors determine what you pay for car insurance, including the vehicle you drive, your driving record and your age. To get your best and cheapest rate in Bakersfield or anywhere else in the U.S., compare car insurance quotes from multiple companies.
| Company | Monthly rate |
|---|---|
| GEICO | $96 |
| Progressive | $109 |
| Allstate | $113 |
| Mercury | $119 |
| Auto Club | $119 |
| City average | $123 |
| State Farm | $128 |
| CSAA | $146 |
| Farmers | $154 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Allstate, Auto Club, Mercury and Progressive also offer auto insurance rates to Bakersfield drivers that are cheaper than the city average for minimum coverage.
These same companies are also the best options for Bakersfield drivers who want cheap full-coverage car insurance. GEICO tops the list, with an average rate of $111 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $111 |
| Allstate | $122 |
| Progressive | $128 |
| Auto Club | $134 |
| Mercury | $137 |
| City average | $138 |
| State Farm | $152 |
| CSAA | $158 |
| Farmers | $166 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Minimum-coverage car insurance meets California’s requirements for liability coverage, which covers injuries and property damage you cause to others. It doesn’t cover your own medical bills or car repairs.
Full-coverage car insurance usually includes collision and comprehensive coverages as well as liability. California state law doesn’t require full-coverage car insurance, but many lenders and lessors do. Consider getting it even if it’s not required if your vehicle is new or expensive.
Compare auto insurance quotes from top companies
What is the average cost of car insurance in Bakersfield?
The average cost of car insurance in Bakersfield is $123 a month if you buy a minimum-coverage policy.
Full-coverage car insurance in Bakersfield costs $138 a month, on average.
Both figures are lower than the California state averages for car insurance, which are $140 a month for minimum coverage and $158 a month for full coverage.
Cheapest car insurance in Bakersfield with driving violations
Allstate and GEICO are the best companies for cheap car insurance after a speeding ticket in Bakersfield, with both charging an average of $174 a month. This is for full coverage; if you buy less coverage, your rate should be even cheaper.
| Company | Monthly rate |
|---|---|
| Allstate | $174 |
| GEICO | $174 |
| Mercury | $181 |
| Auto Club | $198 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
CSAA has the cheapest car insurance rates for Bakersfield drivers who have an at-fault accident on their records at $199 a month, on average.
Auto Club and GEICO offer average rates that are nearly as cheap, though, so compare quotes with them if you’ve been involved in an accident.
| Company | Monthly rate |
|---|---|
| CSAA | $199 |
| Auto Club | $201 |
| GEICO | $202 |
| Mercury | $237 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
To get cheap car insurance after a DUI in Bakersfield, go to Mercury, which charges $226 a month, on average, for full coverage.
| Company | Monthly rate |
|---|---|
| Mercury | $226 |
| GEICO | $281 |
| Farmers | $292 |
| Progressive | $305 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
GEICO, Farmers and Progressive also offer affordable rates to drivers with a DUI that are lower than the city average of $385 a month.
Driving violations generally cause you to pay higher rates for car insurance than you did before the incident. For example, GEICO charges Bakersfield drivers with clean driving records $111 a month for full-coverage policies, but it charges drivers with a speeding ticket $174 a month. That’s an increase of 57%.
Also, drivers in Bakersfield pay 82% more for car insurance after an accident with GEICO, and 153% more after a DUI. These increases may be lower or higher with other companies, but the point stands: you’ll usually pay more for car insurance if you have incidents on your driving record.
Find cheap car insurance in Bakersfield, California
Where can I get cheap car insurance in Bakersfield for teen drivers?
State Farm has the cheapest car insurance for teen drivers in Bakersfield, charging an average of $234 a month for state-minimum coverage.
Teens looking for cheap full-coverage car insurance should start with State Farm, too, as the company’s average rate here is $281 a month – the lowest of the companies we surveyed.
| Company | Monthly rate |
|---|---|
| State Farm | $234 |
| GEICO | $243 |
| Allstate | $262 |
| Mercury | $283 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
GEICO and Allstate are good alternate options for Bakersfield teens, though, as both have affordable rates for minimum and full coverage that aren’t far from State Farm’s.
Allstate and GEICO are especially competitive with State Farm when it comes to full-coverage car insurance for teens, with rates that average $288 and $289 a month, respectively. These are just a few dollars more than what State Farm charges.
| Company | Monthly rate |
|---|---|
| State Farm | $281 |
| GEICO | $288 |
| Allstate | $289 |
| Mercury | $330 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Teens often pay the highest auto insurance rates of any age group because they’re more likely to be involved in an accident than are older and more experienced drivers.
A real-life example: State Farm charges adult drivers with clean records $128 a month for minimum coverage in Bakersfield. It charges teens with clean driving records $234 a month for the same amount of coverage. This is $106 a month more, or an 83% increase.
Where can I get cheap car insurance in Bakersfield for senior drivers?
GEICO is the best place for cheap car insurance in Bakersfield if you’re a senior driver, offering an average rate of $96 a month for minimum coverage.
GEICO has the cheapest rates for seniors looking for full-coverage car insurance, too, at $111 a month, on average.
| Company | Monthly rate |
|---|---|
| GEICO | $96 |
| Progressive | $109 |
| Allstate | $113 |
| Mercury | $119 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Don’t ignore Allstate, Mercury or Progressive, though, if you’re a senior looking for cheap car insurance in Bakersfield. All three companies have average rates that are lower than the city average of $123 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $111 |
| Allstate | $122 |
| Progressive | $128 |
| Auto Club | $134 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Auto Club, Allstate and Progressive are worthy options for cheap full-coverage car insurance as well for senior drivers. Their average rates are higher than GEICO’s in this instance, but lower than the city average, which is $138 a month.
What are the car insurance requirements in Bakersfield?
Drivers in Bakersfield, California, need 15/30/5 insurance, or a car insurance policy with liability coverage in the following amounts:
- $15,000 for injury or death to one person
- $30,000 for injury or death to more than one person
- $5,000 for damage to property
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Bakersfield ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets California’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
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