Best Car Insurance Rates in Bakersfield, California

On average your neighbors pay $70 a month.

Compare Car Insurance in Bakersfield

Monday, January 14 2019 By QuoteWizard

Bakersfield, California is located in Kern County, which produces more oil than any other county in America, and is the fourth largest agricultural producer in America. Bakersfield is also home to more Basque restaurants than any other city in the country. For all they have to offer, Bakersfield residents should be able to get affordable car insurance rates.

Average Bakersfield Car Insurance Rates

How much is car insurance in Bakersfield, CA? Average insurance rates in Bakersfield are higher than both the state and national averages. The average cost of auto insurance in California is $841.45 a year. The national average price is $889.01.

Prices may vary depending on your driving history and the number of claims filed in your zip code.

California Average Annual Car Insurance Rates
Coverage Rates
Liability $489.66
Collision $396.55
Comprehensive $100.54
Total Cost Per Year $841.45
Price Per Month $70.12
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.

California average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Bakersfield, California and save up to 40% on your premium.

Last year, 10,666 people used QuoteWizard to get an compare car insurance quotes in Bakersfield, CA from multiple companies to find the lowest rates.

Best Car Insurance Companies in Bakersfield, CA

This is our list of the most common car insurance companies reported by QuoteWizard users living in Bakersfield, California last year.

  1. GEICO
  2. State Farm
  3. Farmers
  4. Allstate
  5. State Farm
  6. Progressive
  7. AAA
  8. AIG
  9. Esurance
  10. Nationwide

Other popular Bakersfield, California car insurance companies: Liberty Mutual, MetLife, Infinity, Country Financial, Travelers, USAA, American Family, and Hartford.

Top 10 Vehicles

These are the most popular car makes and models owned by Bakersfield, CA drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Chevrolet C1500 Silverado
  3. Honda Accord EX/LX
  4. Ford Mustang
  5. GMC Sierra C1500
  6. Honda Civic EX/LX/DX
  7. Chevrolet C1500 Suburban
  8. Toyota Camry LE/XLE/SE
  9. Ford Ranger
  10. Chevrolet Cavalier

Minimum Car Insurance Requirements in Bakersfield, CA

Bakersfield, California, drivers must follow the 15/30/5 minimum liability coverage rule. This rule requires drivers to maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The most your insurance company will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total amount your insurance carrier will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The maximum insurers will pay for property damage caused by a car accident.

Bakersfield Drivers

According to a recent report published by Allstate Insurance when it comes to safe driving, Bakersfield, CA ranked 79th out of 200 cities. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 9 years, 11.7% higher than the national average.

Driving Conditions

Several factors that can affect insurance rates are the weather, driving, and road conditions.

Weather

Bakersfield, CA is in the desert and has a dry, arid climate with long, hot summers and short, cool winters. Precipitation averages only 6.45 inches a year and it snows once every 20 or 30 years. The biggest challenge is heat, heat, and more heat. On average, 108 days every year will exceed 108 F.

Road Conditions

Desert weather conditions put a lot of stress on Bakersfield roads. Hot days and cold nights lead to cracked pavement and potholes, which can damage vehicles and lead to insurance claims. TRIP reports that 26 percent of the major roads are in poor condition. Another 27 percent are mediocre. These poorly maintained, pothole-filled streets cost drivers $579 a year in extra vehicle operating costs.

Traffic Congestion

Bakersfield may not be nearly as large as its neighbor the south, Los Angeles, but it's plenty big enough to have traffic congestion. One thing working against commuters is the absence of an interstate highway. I-5 runs parallel to, but completely avoids the city. Bakersfield's lifelines to the outside world are State Routes 46, 58, and 99. TomTom ranked Bakersfield 47th in the nation for traffic congestion and delays. An average commuter spends an extra 13 minutes per hour stuck in traffic during rush hour commutes and 51 hours a year for peak hour commutes of 30 minutes.

Moving Violations

Tickets and accidents can add points to your driver's license. More than one of these violations can give you a bad driving record. That'll mean higher rates for you the next time your premium is up for renewal. If you have a lot of tickets on your driving record, your insurer could switch you from the preferred to the non-standard category. This would also mean that you'd be stuck trying to find affordable high-auto insurance.

Traffic Tickets

The Superior Court of California County of Kern traffic website allows residents to pay traffic tickets, tells drivers how to contest tickets, and provides helpful traffic court information.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Bakersfield DUI insurance.

Traffic Fatalities

During 2013, Bakersfield experienced 26 deaths in motor vehicle crashes, nine of which were pedestrians. This works out to a fatality rate of 2.48 per 100,000 residents. All traffic deaths are a tragic loss, but considering Bakersfield’s estimated population of 376,380 this is a relatively safe city in terms of traffic fatalities.

Vehicle Theft Rates

Bakersfield Police recorded 2,480 vehicle thefts last year, a rate of 6.64 per 1,000 residents.

The National Insurance Crime Bureau (NICB) ranked Bakersfield #2 US city for auto thefts in 2014.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways for you to lower your rates. These are some of the many auto insurance discounts available to Bakersfield, CA.

  1. Bundle your auto insurance with your homeowners or renters policy. Bundling your vehicles and policies together might reduce your premium by as much as 20%
  2. Drivers 55 and older may qualify for the senior discount or the 55 and retired discount
  3. Maintain at least a B grade point average in school to qualify for the good student discount
  4. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  5. Live in a safe neighborhood with low crime and drivers that file fewer insurance claims
  6. Drive less by living close to work and you might be able to get the low mileage discount

Sources:

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