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 $814.82 a year. The national average cost is $866.31.
Prices may vary depending on your driving history and the number of claims filed in your zip code.
| Coverage | Rates |
|---|---|
| Liability | $482.18 |
| Collision | $374.31 |
| Comprehensive | $98.73 |
| Total Cost Per Year | $814.82 |
| Price Per Month | $67.90 |
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 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, and find the cheapest rates.
Top 10 Vehicles in Bakersfield
These are the most popular car makes and models owned by Bakersfield drivers requesting quotes through QuoteWizard last year.
- Ford F150
- Chevrolet C1500 Silverado
- Honda Accord EX/LX
- Ford Mustang
- GMC Sierra C1500
- Honda Civic EX/LX/DX
- Chevrolet C1500 Suburban
- Toyota Camry LE/XLE/SE
- Ford Ranger
- Chevrolet Cavalier
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Best Car Insurance Companies Bakersfield
This is our list of the most common car insurance companies reported by QuoteWizard users living in Bakersfield, CA last year.
- Geico
- State Farm
- Farmers
- Allstate
- State Farm
- Progressive
- AAA
- AIG
- Esurance
- Nationwide
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Other popular Bakersfield, CA car insurance companies: Liberty Mutual, MetLife, Infinity, 21st Century, Country Financial, Travelers, USAA, American Family, and Hartford.
Bakersfield Drivers
According to a recent report published by Allstate Insurance when it comes to safe driving, Bakersfield ranked 86th 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 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. According to a recent study by TRIP, 7% of the major roads are in poor condition with 34% rated as mediocre. These poorly maintained, pothole-filled streets cost drivers $342 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
Moving violations such as speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record.
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.
Vehicle Theft Rates
The Bakersfield Police Department recorded 2,347 vehicle thefts last year, a rate of 6.36 per 1,000 residents.
The National Insurance Crime Bureau (NICB) ranked Bakersfield #2 US city for auto thefts in 2014.
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 363,630 this is a relatively safe city in terms of traffic fatalities.
Legal Minimum Insurance Requirements
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.
Save With Car Insurance Discounts
Are you looking for cheap 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 drivers depending on your insurer. Get a quote and find out which discounts you qualify for with your current or multiple insurance companies.
- Bundle your auto insurance with your homeowners or renters policy. Bundling your vehicles and policies together might reduce your premium by as much as 15%
- Remove full comprehensive coverage from your policy
- Drivers 55 and older may qualify for the senior discount or the 55 and retired discount
- Maintain at least a B grade point average in school to qualify for the good student discount
- Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
- Keep your driving record clean with no tickets or accidents and you might qualify for a safe driver or accident free discount
- Live in a safe neighborhood with low crime and drivers that file fewer insurance claims
- Drive less by living close to work and you might be able to get the low mileage discount
- Take a defensive driving course from an accredited driving school
- Shop around and compare cheap auto insurance quotes in Bakersfield and discover every discount you qualify for
Sources:
- Superior Court of California - County of Kern
- Bakersfield California Crime Rates
- National Highway Traffic Safety Administration
- United States Census Bureau - Bakersfield, CA
- California Transportation by the numbers - TRIP
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