Bakersfield, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Bakersfield, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Top 5 Car Insurance Companies in Bakersfield, CA, by Market Share
According to the U.S. Census Bureau, the population of Bakersfield, CA, is 383,579. The median household income is $62,340, and the per capita income is $26,323. The average cost of auto insurance in the city is $1,404. This is lower than the cost of auto insurance in neighboring places such as Lamont, Edmundson Acres, Weedpatch, Oildale, and Greenacres. Car owners can save more by comparing multiple car insurance quotes from different car insurance companies. Zimlon also provides the option of keying in one’s zip code to get accurate auto insurance quotes for different neighborhoods. Below is a list of the top 5 auto insurance companies in Bakersfield, CA.
STATE FARM:
State Farm occupies the first spot with a massive 4,106,038 direct premiums written and 4,090,146 direct premiums earned. The company holds a market share of 13.74% in California. State Farm has a score of 808/1000 in the J.D. Power Auto Insurance Study. One only needs to go as far as State Farm’s online faculty for details of different insurance coverages they provide. The company is credited with a solid rating of A++ by A.M. Best.
FARMERS:
Farmers occupies a market share of 10.68% in California. The company has 3,191,341 direct premiums written, and 3,189,468 direct premiums earned. The ease of navigating the Farmers website is an added advantage. Farmers ranks a tad low on the J.D. Power Auto Insurance Study with a score of 805/1000. A.M. Best has given Farmers an A rating for its financial strengths.
GEICO:
With 2,897,713 direct premiums written and 2,794,052 direct premiums earned, GEICO is a close third. The company has a market share of 9.69 % in California and enjoys an A.M. Best Rating of A++. GEICO also has a score of 825/1000 in the J.D. Power Auto Insurance Study and also received the “Better Than The Most” tag.
ALLSTATE:
Allstate has 2,687,887 direct premiums written and 2,640,022 direct premiums earned in California. Allstate occupies the fourth spot with a market share of 8.99%. The company was one of the leading insurance companies in the auto insurance market back in 2010. Allstate has a J.D. Power Auto Insurance score of 808/1000 and an A.M. Best Rating of A+.
AAA:
AAA enjoys the “Better Than The Most” tag, alongside a J.D. Power score of 834/1000. The company occupies a market share of 8.69%. AAA offers an Umbrella Liability Insurance and enjoys an A.M. Best Rating of A. It has 2,598,340 direct premiums written, and 2,470,179 direct premiums earned.
Factors that can influence the cost of car insurance in Bakersfield, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Bakersfield, CA Auto Insurance Rates
- Bakersfield, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Bakersfield, CA
- Multi Vehicle Insurance Savings in Bakersfield, CA
- How Credit Score Affects Car Insurance Rates in Bakersfield, CA
- How DUI Affects Auto Insurance Premiums in Bakersfield, CA
- Top Auto Insurance Agents Near Bakersfield, CA
- How Driving Violations Affect Auto Insurance Rates in Bakersfield, CA
- Bakersfield, CA Auto Insurance Discounts on Anti Theft Feature
- Bakersfield, CA Auto Insurance Company Reviews
Bakersfield, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Bakersfield, CA with that of other cities in and around Bakersfield.
| Bakersfield | Lamont | Edmundson Acres | Weedpatch | Oildale | Greenacres | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,404 | $1,759 | $1,758 | $1,747 | $1,767 | $1,800 |
Bakersfield, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Bakersfield, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Bakersfield | $2,086 | $1,762 |
| Oildale | $1,534 | $1,295 |
| Fuller Acres | $1,666 | $1,407 |
| Greenacres | $1,358 | $1,147 |
| Lamont | $1,955 | $1,651 |
| Rosedale | $1,592 | $1,345 |
| Weedpatch | $1,231 | $1,040 |
| Edmundson Acres | $1,721 | $1,454 |
Bakersfield, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Bakersfield, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,556 |
| 20 Years | $1,804 |
| 30 Years | $1,389 |
| 40 Years | $1,337 |
| 50 Years | $1,238 |
| 60 Years | $1,255 |
| 70 Years | $1,461 |
Bakersfield, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Bakersfield, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,443 | $365 |
| 3 Vehicles | $3,664 | $548 |
| 4 Vehicles | $4,886 | $730 |
Savings on 2 Vehicles bundle:$365
Savings on 3 Vehicles bundle:$548
Savings on 4 Vehicles bundle:$730
Bakersfield, CA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Bakersfield, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Bakersfield | $1,404 | $3,457 |
| Oildale | $1,767 | $4,351 |
| Fuller Acres | $1,766 | $4,348 |
| Greenacres | $1,800 | $4,432 |
| Lamont | $1,759 | $4,331 |
| Rosedale | $1,836 | $4,521 |
| Weedpatch | $1,747 | $4,301 |
| Edmundson Acres | $1,758 | $4,329 |
Bakersfield, CA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,205 |
| Excellent (740-799) | $1,375 |
| Good (670-739) | $1,463 |
| Average (580-669) | $1,909 |
| Poor (300-579) | $2,290 |
Bakersfield, CA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Kelli Davis | State Farm | 2665 Calloway Dr Ste 206, Bakersfield, 93312-2619 | 661-829-1011 |
| Amber Stacy | Farmers | 5555 California Ave Ste 209, Bakersfield, 93309 | (661) 331-6543 |
| Kristine Hill | Farmers | 5405 Stockdale Hwy Ste 103, Bakersfield, 93309 | (661) 847-4400 |
| Jeremy Scheidle Clu, Cpcu, Chfc | State Farm | 2017 24th Street, Bakersfield, 93301-3814 | 661-861-9797 |
| Palwinder Singh | Allstate | 7850 White Ln Ste J, Bakersfield, 93309 | (661) 493-2020 |
| Nancy Griffin | State Farm | 5201 California Ave Ste 230, Bakersfield, 93309-1689 | 661-327-0838 |
| Kia Insurance Associates Inc | Travelers | 5407 STOCKDALE HWY, BAKERSFIELD, 93309 | 661-835-4542 |
| Walter Mortensen Insurance | Liberty Mutual Independent | 8500 Stockdale Highway, Suite 200, Bakersfield, 93311 | None |
| Hero Singh | Allstate | 4831 Panama Ln Unit A1, Bakersfield, 93313 | (661) 836-7375 |
Bakersfield, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$62 | $1,466 |
| Driver's Failure In Showing Documents | +$136 | $1,540 |
| Driving With An Expired Registration | +$145 | $1,549 |
| Driving At A Considerably Slow Pace | +$305 | $1,709 |
| Using A Cellphone While Driving | +$322 | $1,726 |
| Running A Red Light | +$327 | $1,731 |
| Speeding | +$344 | $1,748 |
| Driving A Vehicle Without The Required Permission | +$437 | $1,841 |
| Driving With An Expired/Suspended License | +$946 | $2,350 |
Bakersfield, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,348 |
| Active Disabling Device | $1,348 |
| Tracking Device | $1,320 |
| Passive Disabling Device | $1,306 |
Latest Auto Insurance Reviews in Bakersfield, CA | Back to Top
GeicoGeico is easy. I just filled out a survey submitted my information online and immediately got a quote. I could choose what option I wanted to fit my needs.
GeicoChecked into changing to progressive because they have those commercials saying that they are the lowest...not by far. I save over $100 a month with Geico for more coverage!!
GeicoThe premium deductible is very very high its higher than we've ever had for car insurance but its necessary to keep the overall premium low. I just don't like the insurance coverage provided.
AllstateAllstate offers the same kind of coverage other companies offer. I was able to get a lower premium with allstate and that is why i changed companies
Safeco InsuranceWe have the basic coverage, although there were other options that we used to have when we were in another state. The flexibility of the options was helpful, and definitely included some things that we had not been offered by other companies (windscreen replacement, for example).
Safeco InsuranceWe have the basic coverage, although there were other options that we used to have when we were in another state. The flexibility of the options was helpful, and definitely included some things that we had not been offered by other companies (windscreen replacement, for example).
GeicoGeico offered my comparable policies and details of the policy compared to the other insurance providers. Their bundle packages are not as great and can definitely be improved.
GeicoI like the company because I benefit from them fully. I can get what I need when I need it and I've never had any trouble with them. I've been with them for over 10 years and I will most likely stay with them from now on
State FarmI like hour friendly and helpful everybody at the company is. They make me feel valued. I also appreciate the ease of accessibility-and that they don't charge much more for it.
Geicoprobably would be their application at times it seems like a little too simplistic and wish that I could have more information on it in term of just more detail and different breakdowns that would be nice to look at like charts or statistics.
ProgressiveI'm not very familiar with the insurance premiums that other companies offer so I'm not sure I can make a comparison. However, I did just receive a notice that my rate was going down.
EsuranceThe only complaint is that when I set it up they had a lot of trouble getting my online account set up for some reason. They couldn't just fix it, and the access didn't come through right away. I think I waited about a week before I could view any of my information online, which was mildly annoying.
Safeco InsuranceThey seem that I can reach them at most times including most holidays which is really nice and something that I want.
GeicoI like that the company has a good reputation. I also like that the company gives me good coverage options and that I can get discounts the more things I add to my policy.
AllstateOverall we have had no issues whenever we have had to make a claim. The auto glass coverage is good.