High speeds on highways like State Route 99 and the nearby Interstate 5, along with a mix of urban and agricultural roads, contribute to accident risks for Bakersfield drivers. The area’s frequent dust storms can reduce visibility, while the region’s proneness to wildfires adds another layer of unpredictability. Reliable car insurance keeps you and your finances protected when you’re on the road.
Because Bakersfield is a more rural city than the Los Angeles and San Francisco areas, premiums may be lower than what your neighbors to the north and south are paying. To get the lowest rate for the right coverage, it’s wise to cost-compare with multiple insurers.
We’ve gathered quote data from Jerry customers in Bakersfield to show you how your age, location within the city and driving history can affect your policy costs.
Cheapest minimum coverage insurance in Bakersfield
California requires drivers to carry the following minimum coverages:
- $30,000 per person for bodily injury liability.
- $60,000 for bodily injury per accident for multiple persons injured.
- $15,000 for property damage liability per accident.
Here are some of the cheapest car insurance quotes Jerry customers in Bakersfield received for the minimum coverage.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $33 | $391 | Aspire Advantage | 31 | October 28, 2024 | Bakersfield, CA | 93307 |
| $33 | $400 | Aspire Advantage | 62 | October 17, 2024 | Bakersfield, CA | 93305 |
| $36 | $427 | National General | 67 | September 27, 2024 | Bakersfield, CA | 93308 |
| $38 | $460 | National General | 40 | December 26, 2024 | Bakersfield, CA | 93309 |
| $39 | $472 | Aspire Advantage | 36 | June 22, 2024 | Bakersfield, CA | 93313 |
| $40 | $475 | National General | 38 | December 4, 2024 | Bakersfield, CA | 93308 |
| $40 | $475 | National General | 39 | December 27, 2024 | Bakersfield, CA | 93304 |
| $40 | $475 | National General | 36 | October 19, 2024 | Bakersfield, CA | 93308 |
| $40 | $477 | Aspire Advantage | 35 | July 7, 2024 | Bakersfield, CA | 93313 |
| $40 | $480 | National General | 53 | October 25, 2024 | Bakersfield, CA | 93308 |
If you have a loan or lease on your vehicle, the lender will require
More: Best car insurance companies
Cheapest full coverage insurance in Bakersfield
Full coverage offers more holistic protection. This insurance combines collision insurance, which pays to repair damage to your vehicle after an accident, regardless of who is at fault, and comprehensive insurance, which kicks in if your car is stolen or damaged by something other than a collision, like a weather event. The state’s minimum required insurance doesn’t provide coverage for any of those situations.
Here are the cheapest quotes that Bakersfield drivers received for full coverage via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $47 | $566 | Progressive | 30 | May 24, 2025 | Bakersfield, CA | 93304 |
| $48 | $575 | Aspire Advantage | 51 | January 17, 2025 | Bakersfield, CA | 93304 |
| $59 | $705 | Aspire Advantage | 39 | January 31, 2025 | Bakersfield, CA | 93311 |
| $60 | $726 | Progressive | 69 | October 14, 2024 | Bakersfield, CA | 93308 |
| $65 | $780 | Progressive | 44 | November 30, 2024 | Bakersfield, CA | 93311 |
| $66 | $790 | National General | 43 | October 22, 2024 | Bakersfield, CA | 93304 |
| $67 | $808 | Progressive | 52 | December 22, 2024 | Bakersfield, CA | 93308 |
| $68 | $820 | Progressive | 49 | June 27, 2025 | Bakersfield, CA | 93306 |
| $74 | $888 | Progressive | 35 | April 14, 2025 | Bakersfield, CA | 93306 |
| $75 | $904 | Aspire Advantage | 47 | January 26, 2025 | Bakersfield, CA | 93306 |
More: Best car insurance in California
Cheapest car insurance for young drivers in Bakersfield (18-29 years old)
Younger drivers tend to pay the highest rates for car insurance, but that doesn’t mean the dream of heading east to the mountains or west to the beach is out of reach.
Here are the cheapest quotes that young drivers in Bakersfield have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $41 | $498 | Aspire Advantage | 26 | No | May 8, 2025 | Bakersfield, CA | 93306 |
| $45 | $546 | Aspire Advantage | 27 | No | November 22, 2024 | Bakersfield, CA | 93307 |
| $46 | $550 | Aspire Advantage | 27 | No | June 7, 2024 | Bakersfield, CA | 93312 |
| $46 | $558 | Progressive | 29 | No | January 1, 2025 | Bakersfield, CA | 93307 |
| $47 | $561 | Aspire Advantage | 29 | No | June 14, 2024 | Bakersfield, CA | 93308 |
More: Cheapest car insurance in California
Cheapest car insurance for mature drivers in Bakersfield (30-54 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $33 | $391 | Aspire Advantage | 31 | No | October 28, 2024 | Bakersfield, CA | 93307 |
| $35 | $417 | Aspire Advantage | 46 | No | May 14, 2025 | Bakersfield, CA | 93309 |
| $37 | $439 | National General | 32 | No | December 22, 2024 | Bakersfield, CA | 93311 |
| $37 | $447 | National General | 30 | No | March 26, 2025 | Bakersfield, CA | 93309 |
| $38 | $460 | National General | 40 | No | December 26, 2024 | Bakersfield, CA | 93309 |
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $33 | $400 | Aspire Advantage | 62 | No | October 17, 2024 | Bakersfield, CA | 93305 |
| $36 | $427 | National General | 67 | No | September 27, 2024 | Bakersfield, CA | 93308 |
| $40 | $485 | Bristol West | 56 | No | December 9, 2024 | Bakersfield, CA | 93306 |
| $42 | $508 | National General | 60 | No | January 14, 2025 | Bakersfield, CA | 93307 |
| $42 | $509 | Aspire Advantage | 59 | No | June 20, 2024 | Bakersfield, CA | 93301 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean records in Bakersfield
Drivers in Bakersfield with a no claims or violations have a better chance of getting a lower rate than those with imperfect driving records.
These are the cheapest quotes that Bakersfield drivers with clean records have received through Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $33 | $391 | Aspire Advantage | 31 | October 28, 2024 | No | Bakersfield, CA | 93307 |
| $35 | $417 | Aspire Advantage | 46 | May 14, 2025 | No | Bakersfield, CA | 93309 |
| $37 | $447 | National General | 30 | March 26, 2025 | No | Bakersfield, CA | 93309 |
| $38 | $460 | National General | 40 | December 26, 2024 | No | Bakersfield, CA | 93309 |
| $39 | $472 | Aspire Advantage | 36 | June 22, 2024 | No | Bakersfield, CA | 93313 |
| $40 | $475 | National General | 39 | December 27, 2024 | No | Bakersfield, CA | 93304 |
| $40 | $475 | National General | 36 | October 19, 2024 | No | Bakersfield, CA | 93308 |
| $40 | $475 | National General | 38 | December 4, 2024 | No | Bakersfield, CA | 93308 |
| $40 | $480 | National General | 53 | October 25, 2024 | No | Bakersfield, CA | 93308 |
| $40 | $485 | Bristol West | 56 | December 9, 2024 | No | Bakersfield, CA | 93306 |
Cheapest car insurance for drivers with at-fault accidents in Bakersfield
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $37 | $439 | National General | 32 | No | December 22, 2024 | Bakersfield, CA | 93311 |
| At Fault With No Injury | $44 | $525 | Aspire Advantage | 32 | No | December 15, 2024 | Bakersfield, CA | 93312 |
| At Fault With No Injury | $44 | $526 | Aspire Advantage | 54 | No | May 6, 2025 | Bakersfield, CA | 93308 |
| At Fault With Injury | $46 | $550 | National General | 48 | No | April 1, 2025 | Bakersfield, CA | 93304 |
| At Fault With No Injury | $46 | $550 | Aspire Advantage | 27 | No | June 7, 2024 | Bakersfield, CA | 93312 |
More: What is an at-fault accident?
Cheapest car insurance for drivers with speeding tickets in Bakersfield
A speeding ticket often causes your car insurance rate to rise, but the amount may depend on the speed you were cited at. Here are the cheapest quotes for drivers in Bakersfield who were ticketed for speeding.
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $40 | $477 | Aspire Advantage | 35 | July 7, 2024 | Bakersfield, CA | 93313 |
| Speeding under 15 | $47 | $564 | National General | 45 | October 16, 2024 | Bakersfield, CA | 93309 |
| Speeding under 15 | $51 | $609 | Aspire Advantage | 49 | June 14, 2025 | Bakersfield, CA | 93307 |
| Speeding under 15 | $51 | $613 | National General | 51 | March 5, 2025 | Bakersfield, CA | 93313 |
| Speeding under 15 | $56 | $677 | National General | 31 | July 1, 2025 | Bakersfield, CA | 93306 |
Cheapest car insurance for drivers with DUIs in Bakersfield
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $44 | $525 | Aspire Advantage | 32 | December 15, 2024 | Bakersfield, CA | 93312 |
| DUI | $49 | $585 | National General | 33 | September 13, 2024 | Bakersfield, CA | 93306 |
| DUI | $52 | $626 | Aspire Advantage | 37 | February 24, 2025 | Bakersfield, CA | 93309 |
| DUI | $53 | $640 | Aspire Advantage | 37 | December 7, 2024 | Bakersfield, CA | 93307 |
| DUI | $54 | $649 | National General | 41 | March 22, 2025 | Bakersfield, CA | 93308 |
More: What is a DUI?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
