Cheap Car Insurance in Bakersfield, CA

Written by Xuyun Zeng and 1 other
Updated Jul 7, 2025
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Cheap Car Insurance in Bakersfield, CA

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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
Last Updated Jul 8, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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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
Last Updated Jul 8, 2025

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
Last Updated Jul 7, 2025

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
Last Updated Jul 7, 2025

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
Last Updated Jul 8, 2025

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
Last Updated Jul 8, 2025

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
Last Updated Jul 7, 2025

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
Last Updated Jul 8, 2025

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
Last Updated Jul 7, 2025

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.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.