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Get Cheap Car Insurance in Bakersfield, TX
We monitor insurance prices, helping the average driver in Bakersfield save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in Bakersfield
The chart below shows the cheapest car insurance company in Bakersfield for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Clearcover, followed by Mile Auto, Progressive, and State Farm.
| Bakersfield Insurer | Monthly Cost |
|---|---|
| Clearcover | $43 |
| Mile Auto | $56 |
| Progressive | $58 |
| State Farm | $62 |
Savings for Every Kind of Bakersfield Driver
Based on our extensive insurance data, we know the average Bakersfield driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $342 per year by choosing the right vehicle insurance company. Some Bakersfield residents are paying out over $1,663 extra every year for auto insurance in Bakersfield. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Bakersfield, TX Savings / Yr. |
|---|---|
$342 |
|
$783 |
|
$690 |
|
$791 |
|
$1,204 |
|
$455 |
|
$497 |
Bakersfield Car Insurance vs. Texas
People living in Bakersfield pay an average of 14.88% less than the typical driver in the state. The average driver in Bakersfield can expect to pay about $991 per year, or $1,663 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Bakersfield for most people.
Car Insurance Prices by Bakersfield Neighborhood
Insurance Prices
Where is insurance cheapest within Bakersfield?
The map shows insurance prices in and around Bakersfield, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $59 per year within the city boundaries, with insurance premiums ranging from a high of $1,687 to a low of $1,628. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the North parts of Bakersfield.Pick the Best Car Insurance Company for You in Bakersfield
The best car insurance provider for most drivers in Bakersfield
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $342 over the average Bakersfield car insurance company.
The best car insurance provider for Bakersfield drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $783 over the competition.
The best car insurance company for Bakersfield drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $690 better than other car insurance companies.
The best auto insurance for Bakersfield drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $791 less each year.
The least expensive car insurance company for new and young drivers in Bakersfield
In Bakersfield, State Farm costs young drivers $1,204 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Bakersfield
State Farm gave the largest car insurance discounts to married couples, averaging $455 saved each year compared to an average Bakersfield couple's premiums.
The cheapest car insurance in Bakersfield for drivers with bad credit
The best Bakersfield car insurance company for customer service
Nationwide was the best company for customer service in Bakersfield according to the NAIC.
Recent price drops
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The cheapest large national provider in Bakersfield
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Bakersfield driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Bakersfield, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.Auto Insurance Prices in and Around Bakersfield
What Influences the Cost of Car Insurance in Bakersfield?
On average, car insurance in Bakersfield is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Bakersfield is 22 minutes, which is far less than average for a driver in the state.
- Texas state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Bakersfield are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Bakersfield is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Bakersfield is $83 per month for minimum coverage and $139 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Iraan: Insurance costs 0.24% less
- Fort Stockton: Insurance costs 2.89% more
- Ozona: Insurance costs 3.25% more
- Balmorhea: Insurance costs 1.08% more
- Eldorado: Insurance costs 1.08% more
- Fort Mc Kavett: Insurance costs 1.44% more
- Lobo: Insurance costs 4.03% more
- Menard: Insurance costs 0.12% less
- Hext: Insurance costs 0.24% more
- Calf Creek: Insurance costs 2.10% less
Cities with Similar Populations
- Wells: Insurance costs 7.94% less
- Crawford: Insurance costs 2.41% more
- Helvetia: Insurance costs 4.75% less
- Henson Springs: Insurance costs 10.22% less
- Hereford: Insurance costs 10.82% more
- Wallis Run: Insurance costs 18.64% less
- Smuteye: Insurance costs 9.20% less
- Hickory Grove: Insurance costs 16.72% less
- House: Insurance costs 14.13% less
- Selma: Insurance costs 34.94% less