Table of contents
How much is car insurance in Bakersfield?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about $7 a month less to insure your vehicle in Bakersfield than it does in the rest of California.
Similarly, car insurance rates in Bakersfield are often favorable when viewed against the rest of the country. The average monthly payment in Bakersfield is about $30 less than the rate for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Bakersfield, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Bakersfield so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay almost twice the price as drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may begin to climb back up.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. However, the difference is only about $1 a month in Bakersfield.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. Drivers in Bakersfield with one accident will pay around $61 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $92 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$48|
If you look at the first table above, the cheapest vehicles to insure in Bakersfield are usually trucks and vans.
The monthly bill for insuring either a car or an SUV in Bakersfield is around $50 a month.
The average monthly cost for truck and van drivers, however, usually runs about $46.
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)||$53|
On average, married policyholders will pay slightly less for their car insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Bakersfield, that difference comes out to about $11 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Bakersfield. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
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 picking an insurance policy.
The rates for car insurance in Bakersfield went up from 2016-2018, when they reached a high of $59. Car insurance rates began to decrease in 2019, and this trend has continued through 2021, when rates have most recently hit $45.
How does Bakersfield compare to neighboring areas?
Why are car insurance rates in Bakersfield different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Road Safety (frequency of local car accidents)
- Off-street parking availability
- Regional laws
- Number of drivers in the community
- Local crime rates
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
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 put in your ZIP code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Bakersfield.
Bakersfield Insurance FAQs
What factors affect car insurance quotes in Bakersfield?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Bakersfield different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
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?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Bakersfield or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?