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Car Insurance in Bakersfield CA – How to Get the Cheapest Rates

car insurance bakersfield ca

With more than 12% of the market, Progressive has plenty to offer in the way of discounts, coverage options, and customer satisfaction. Drivers looking for the best value for their money should consider the biggest Progressive discounts available. Enrolling in Snapshot will allow the company to monitor your driving habits, earning you premium discounts based on safe driving habits. Another good option from Progressive is a deductible savings bank, which lowers your deductible every year by $50.

Esurance is the cheapest at $1,508 per year

When looking for car insurance in Bakersfield, you should look for a company that offers full coverage. Full coverage, or “full coverage,” covers your car’s damages in the event that you are in an accident. For example, if you were at fault for a car accident and suffered a $5,000 deductible, you would pay $1,508 in the case of Esurance.

If you’re on a budget, Progressive is the best option. With more than 12% of the U.S. market, Progressive offers numerous discounts and excellent customer service. Some of their significant discounts may be especially useful for drivers who want to keep costs down. Progressive offers Snapshot, a feature that tracks your driving habits and could award premium discounts based on safe driving habits. Plus, their deductible savings bank allows you to lower your deductible if you’ve never made a claim.

Wawanesa is the most expensive at $2,319 per year

Founded in 1896, Wawanesa is one of the oldest mutual insurance companies in Canada. This insurance company offers home, auto, and renters insurance to a diverse group of clients. It also offers multiple discount options for good drivers and California homeowners. The company also provides a free, no-obligation quote comparison tool. However, you should consider a few other factors, such as the policy’s cancellation policy and the amount of money you have to pay to cancel it.

The company’s website is user-friendly and provides clear and detailed information about the various coverage options available. Its website clearly explains the effects of at-fault accidents and offers discounts for a clean driving record. This insurer was ranked by J.D. Power as the most customer-satisfaction insurer in California, and they also offer a discount for policyholders with a clean driving record.

General Car Insurance is the most expensive at $2,319 per year

There are many factors that determine your car insurance costs, and the type of car you drive will have a major impact on your premium. For example, car insurance premiums tend to be higher for drivers who have poor credit, have numerous speeding tickets, and have been involved in a DUI. Fortunately, there are ways to get cheaper rates and still have adequate protection. Listed below are some of the factors that determine your car insurance premiums.

State law determines car insurance rates, so your premiums will vary from state to state. For example, Michigan has a unique no-fault system, which has pushed rates sky-high in recent years. In the 2019 study, the state’s uninsured driver rate was 20.4%, which resulted in higher premiums for residents in the state. Likewise, a state’s mandatory minimum insurance coverage can significantly raise your rates.

USAA is the most expensive at $2,319 per year

If you want to get the cheapest car insurance in Bakersfield, choose GEICO. GEICO has the lowest prices for minimum coverage. If you’re a military member, you can get a policy at a low price with USAA. Those who drive an older car might want to choose liability-only insurance or a policy that meets state minimum requirements.

The cheapest car insurance in Bakersfield, CA is available through Geico and State Farm. They both offer competitive rates, but they’re not as cheap as other companies. Also, you’ll need to store your car safely. USAA can cover your boat or motorcycle if you have the proper insurance. Depending on the state, the company also offers specialty insurance coverage for RVs and motorcycles.

AARP(r) Auto Insurance Program from The Hartford

The AARP(r) Auto Insurance Program offers a number of benefits to AARP members, including discounts on premiums. The discounts depend on factors like your age, car and driving history. Some companies also offer ridesharing insurance, but you can’t take advantage of this benefit unless you want to add an endorsement or rider to your policy. Other AARP benefits include local agents and 24 hour phone support. Plus, there’s no policy cancellation fee.

AARP Auto Insurance is underwritten by The Hartford in AZ, CA, and WA. In MN and NH, Hartford Insurance Company of the Southeast and Sentinel Insurance Company underwrite the program. For more information, visit the Hartford’s website. The Hartford has a Complaint Index of 1.70, which means that there are almost 70% more complaints than are normal. Its Financial Strength Rating is A+, which indicates a high level of financial stability.

Garage your car in a safe place

You should always garage your car in a secure place to get cheap car insurance in Bakersfield CA. Insurance rates are affected by a number of factors, including your ZIP code, age, and the type of insurance policy you choose. Your ZIP code also determines the risks that you may face on the road, such as car theft, weather, and other issues. If you live in an area with high crime rates, make sure to secure your car in a garage or gated parking lot. When you’re shopping for insurance, tell your agent the specific precautions you’ve taken to protect your vehicle.

You can also ask your insurance company for discounts if you park your car indoors. Because cars parked outdoors are more susceptible to damage and theft, insurers see it as a risk reduction. It also reduces the likelihood of filing an insurance claim. Therefore, they may pass those savings on to you. Also, insurers look highly at cars that are protected with security features.

Driving record

A good driving history can mean a lower rate on car insurance Bakersfield CA. California is a 15/30/5 state, so you’ll need to have at least $15k per person/$30k per accident bodily injury liability coverage, $5k in property damage liability, and $3,500 in uninsured motorist coverage. If you have had any traffic violations, your premiums could jump dramatically.

Your zip code and driving record play a huge role in the cost of your premiums. Driving without insurance is a serious violation that can increase your premiums by hundreds of dollars a year. First-time offenders face fines of between $100 and $200. Repeat offenders face steeper fines. If you have a history of traffic violations, you may have to pay for SR-22 insurance coverage. SR-22 insurance in Bakersfield CA will usually cost you more than standard policies.


Car insurance providers take age into account when calculating premiums. Drivers who are older generally pay less than those who are younger. For example, a 60-year-old driver pays approximately $1,638 less than a 20-year-old. A male driver is more likely to pay $74 less than a female, and the same goes for the other way around. Similarly, married drivers pay lower premiums than single ones.

While California requires all drivers to have car insurance, drivers in Bakersfield should keep in mind that their rates will vary by ZIP code. For example, one ZIP code in Bakersfield has more uninsured motorists than another. This means that living in a particular neighborhood could increase your premiums by as much as 11 percent, or about $140. It is always a good idea to stay within your budget, and check with an agent before signing up for any policy.


When looking for a car insurance plan in the Bakersfield area, you need to be sure to consider what kind of coverage you need. You should also pay attention to your gender, as you’ll pay less if you’re married. In Bakersfield, married people file fewer claims than single drivers, and they can get lower rates. Widowed drivers can save money as well, as single people can’t file insurance claims.

There are many factors that contribute to the cost of car insurance in the Bakersfield area, but two of the largest contributors are location and crime. California has an estimated one in seven uninsured drivers, so the rate you pay can increase by as much as 11 percent. You can avoid this issue by taking the time to research the statistics for each ZIP code in Bakersfield. And if you live in a residential neighborhood in Bakersfield, make sure you know how much crime there is in the area.