Bakersfield Auto Insurance Rates, Quotes, Agents & Reviews in CA

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.

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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 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 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. 


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 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 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 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

Geico 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.
Checked 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!!
The 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.
Allstate 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 Insurance
We 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 Insurance
We 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).
Geico 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.
I 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 Farm
I 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.
probably 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.
I'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.
The 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 Insurance
They seem that I can reach them at most times including most holidays which is really nice and something that I want.
I 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.
Overall we have had no issues whenever we have had to make a claim. The auto glass coverage is good.