Table of contents
How much is car insurance in Bakersfield?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $7 a month cheaper to insure your vehicle in Bakersfield than it is in the rest of California.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Bakersfield is rather affordable. It's about $32 cheaper than the national average to insure your vehicle in Bakersfield.
Keep in mind that while these are the average car insurance rates for Bakersfield, it isn't guaranteed that it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down the average rate for Bakersfield residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Bakersfield drivers may see their rates climb back up once they hit retirement.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in Bakersfield is only about $2 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Bakersfield, having a single accident on your record will usually get you rates around $58 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $64 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$47|
In Bakersfield, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $46 per month to insure their vehicle.
Car owners can expect to pay an average of around $49 a month for their policy, while SUVs usually cost around $48 a month to insure.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Bakersfield, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Your vehicle's age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Bakersfield, however, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
Generally, those who have settled down into marriage will pay slightly less for insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Bakersfield is about $8 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $2 a month more than homeowners in Bakersfield. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Bakersfield, CA
Recent trends in car insurance for Bakersfield drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Bakersfield, auto insurance rates went up from 2017-2018, when they reached a high of $59. This shifted in 2019, when insurance rates began to decrease. They hit a low of $44 in 2021, and finished at $53 in 2022.
How does Bakersfield compare to neighboring areas?
Why are car insurance rates in Bakersfield different from other areas?
There are a number of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Availability of off-street parking
- Amount of drivers in the region
- Local laws
- Road Safety (frequency of local car accidents)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Bakersfield?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer plans in Bakersfield.
Bakersfield Insurance FAQs
What factors affect car insurance quotes in Bakersfield?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Bakersfield different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Bakersfield?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bakersfield?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Bakersfield or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.