Cheap Car Insurance in Bakersfield, CA

Bakersfield city is located in Southern California and its population stands at 380,000. This makes it the ninth most populated city in the State of California as well as 52nd most populated city in USA. This city is usually referred to using directional regions like Southeast, Northeast and so on. The city is usually hot and dry, and suffers from pollution issues and high levels of ozone. As a matter of fact, in 2015, American Lung Association ranked this city as the 2nd most polluted town in USA. In addition, this city is a hub for agriculture and hosts 4H and horse shows throughout the year.

Bakersfield Car Insurance Information

Bakersfield city stands at the 104th position in a list with cities that have the most expensive rates of car insurance in California State. As a matter of fact, vehicle owners in this city pay 0.3 times or 13% less in their auto insurance premiums than the auto insurance average of the state and 1.7 times/ 170% more than national average.

The annual average rates of auto insurance in Bakersfield city is approximately $1,526/ year in comparison to the nationwide average of $900. This makes it necessary to shop for few quotes of auto insurance before purchasing your car insurance policy. The table below clearly shows the average auto insurance cost of Bakersfield, California State and the national average.


In order to determine the company with the cheapest auto insurance rates, we compared the rates of various auto insurance firms that are based in Bakersfield city. It’s also worth noting that the rates of car insurance tend to vary based on the age or sex of the driver. However, the biggest factor that affects costs is the variability in the quotes of the companies. For instance, in Bakersfield, the highest auto insurance quote was 250% or $2,518 as compared to the cheapest auto insurance firm’s quote that was $960. Therefore, we suggest that you obtain auto insurance quotes from a minimum of 3 car insurance firms so that you can make a comparison on their rates.

To make things even easier for you, we’ve made a list of the top 10 cheapest auto insurance firms in Bakersfield together with their annual auto insurance rates in the table below.

Rank Auto insurance company name Annual Rate
1 Kemper Specialty $2518
2 Unitrin $1753
3 Progressive $1674
4 Allied $1633
5 Bakersfield Average $1526
6 Grange $1116
7 Century National $1056
8 Nationwide $960

Bakersfield Car Insurance Rate by Zip Code

In the above table, we’ve recorded data to compare various rates of car insurance rate in Bakersfield by the zip codes. We’re attempting to give an explanation of how the rates of car insurance change when there is change of zip codes. For instance, the average auto insurance rate in Bakersfield for a 30 years old male driver is $1543 for 93312 zip code. On the other hand, the average auto insurance rate for a similar driver is $1683 for 93305 zip code. We can clearly see that there is an increase in price per year of about $140 when there is change in zip codes in Bakersfield City. It’s therefore important to select the appropriate zip code so that you can obtain the cheapest auto insurance rate in Bakersfield. Luckily, this is exactly what Network auto insurance does for you. We can assist you select the appropriate zip code when insuring your car to ensure that you get the cheap car insurance in Bakersfield.

Bakersfield Zip Codes Gender Age Average Rate($) Lowest($) Highest($)
93313 Male 30 1615 1173 2120
93312 Male 30 1543 1074 1900
93311 Male 30 1577 1163 1990
93309 Male 30 1585 1185 1972
93308 Male 30 1549 1074 1990
93307 Male 30 1620 1183 2057
93306 Male 30 1585 1074 1953
93305 Male 30 1683 1220 2088
93304 Male 30 1650 1220 2133
93301 Male 30 1627 1194 2058


Age Women ($) Men ($)
70 1330 1324
60 1232 1235
50 1305 1301
40 1407 1392
30 1557 1543
20 2885 3569

The table below contains data that compares the rate of auto insurance in Bakersfield City for both genders and various age groups. We’re attempting to give an explanation of how the rates of auto insurance depends on the gender and how they change with the driver’s age. For instance, the average auto insurance rate in Bakersfield for 20 year male drivers is $3,569. Contrarily, the average rate of insurance for women within the same age group decreases to reach $2,885. In addition, the car insurance rate for a female and male driver with 30 years of age is almost similar costing about $1,540/ year.

We can clearly see a huge decrease in price ($2,029/ year) while the age range of the driver moves from 20 years to 30 years. In addition, the auto insurance quotes of this city within the age range of 30 to 70 becomes stable costing approximately $1,300 for both genders. Therefore, you can obtain the cheapest auto insurance rate within this age range. Network insurance will help you select the right family member to get your car insurance to ensure that you get the cheapest auto insurance rate in Bakersfield.


Insurance type Bakersfield minimum requirement
Underinsured/ uninsured motorist property optional
Underinsured/ uninsured motorist bodily injury optional
Property damage $5,000
Bodily injury liability $30,000

Bakersfield requires car insurance with the minimum protection from bodily injury of $15000 for every person to $30000 for every accident as well as $5000 for the property damage for every accident. Therefore, we recommend that you obtain the best probable auto insurance coverage through the cheapest price possible. Luckily, this is specifically what Network insurance does for you. Contact us and we’ll find you the cheap car insurance company based on your specific Zip code.

Top car insurance agents in Bakersfield

Rob Hill; Allstate Insurance

2601 Blue Mountain Way, Bakersfield, CA 93304, USA

Omni Safe Auto Insurance Services

3401 Pacheco Rd #1, Bakersfield, CA 93313, USA

Hero Singh; Allstate Insurance

3400 Panama Ln Ste H, Bakersfield, CA 93313, USA

Shannon Hill; Allstate Auto Insurance Agent

2500 New Stine Rd Ste 101, Bakersfield, CA 93309, USA

Cost-U-Less Auto Insurance Center

3778 Ming Ave, Bakersfield, CA 93309,USA

Diana Martinez; Allstate Auto Insurance Agent

6300 White Ln Ste T, Bakersfield, CA 93309,USA

Megan Waite; Allstate Auto Insurance Agent

4200 Easton Dr Ste 1, Bakersfield, CA 93309, USA

Helen Morgan; Allstate Auto insurance agent

9910 Rosedale Hwy, Ste B2, Bakersfield, CA 93312,USA


Getting to Know More About Bakersfield

Bakersfield is located to the north of LA on River Kern. Displays in the Natural History Museum of Bueno Vista focus on paleontology and geology. On the northeastern edge of the city, the Living Museum of California explores the fauna and flora of the state, and has the touch tank and reptile house.
  • Population 380,000
  • Land Area 391.2 km2
  • Population Density 2516 per square mile
  • Latitude 35.3733° N
  • Longitude 119.0187° W
  • Area code 661