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
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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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
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Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|
$62 | $749 | Aspire Advantage | 39 | July 18, 2025 | Bakersfield, CA | 93306 |
$70 | $844 | Mercury | 46 | July 18, 2025 | Bakersfield, CA | 93306 |
$72 | $868 | Mercury | 42 | June 20, 2025 | Bakersfield, CA | 93306 |
$76 | $917 | Aspire Advantage | 60 | February 3, 2025 | Bakersfield, CA | 93309 |
$84 | $1,008 | Aspire Advantage | 46 | April 7, 2025 | Bakersfield, CA | 93306 |
$84 | $1,010 | Aspire Advantage | 58 | March 31, 2025 | Bakersfield, CA | 93305 |
$84 | $1,014 | Progressive | 73 | July 20, 2025 | Bakersfield, CA | 93304 |
$85 | $1,021 | Aspire Advantage | 45 | June 25, 2025 | Bakersfield, CA | 93304 |
$85 | $1,025 | National General | 68 | June 9, 2025 | Bakersfield, CA | 93307 |
$86 | $1,030 | Aspire Advantage | 63 | March 29, 2025 | Bakersfield, CA | 93304 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
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
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Annual Quote
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Insurance Company
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Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$48 | $581 | Geico | 23 | No | June 20, 2025 | Bakersfield, CA | 93308 |
$48 | $581 | National General | 24 | No | June 24, 2025 | Bakersfield, CA | 93308 |
$50 | $605 | Geico | 28 | No | June 13, 2025 | Bakersfield, CA | 93304 |
$57 | $678 | Aspire Advantage | 27 | No | June 11, 2025 | Bakersfield, CA | 93305 |
$58 | $698 | National General | 26 | No | June 25, 2025 | Bakersfield, CA | 93307 |
More: Cheapest car insurance in California
Cheapest car insurance for mature drivers in Bakersfield (30-54 years old)
Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$39 | $466 | Aspire Advantage | 49 | No | June 20, 2025 | Bakersfield, CA | 93309 |
$42 | $501 | Aspire Advantage | 40 | No | June 17, 2025 | Bakersfield, CA | 93309 |
$42 | $503 | Geico | 52 | No | June 3, 2025 | Bakersfield, CA | 93311 |
$43 | $517 | National General | 45 | No | June 30, 2025 | Bakersfield, CA | 93308 |
$44 | $527 | National General | 40 | No | June 20, 2025 | Bakersfield, CA | 93312 |
Cheapest car insurance for older drivers (55+ years old)
Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$43 | $510 | Aspire Advantage | 62 | No | March 13, 2025 | Bakersfield, CA | 93312 |
$46 | $547 | National General | 55 | No | February 7, 2025 | Bakersfield, CA | 93305 |
$48 | $577 | Aspire Advantage | 60 | No | May 18, 2025 | Bakersfield, CA | 93301 |
$51 | $613 | National General | 62 | No | July 1, 2025 | Bakersfield, CA | 93307 |
$55 | $664 | National General | 64 | No | July 16, 2025 | Bakersfield, CA | 93308 |
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 Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$39 | $466 | Aspire Advantage | 49 | June 20, 2025 | No | Bakersfield, CA | 93309 |
$42 | $501 | Aspire Advantage | 40 | June 17, 2025 | No | Bakersfield, CA | 93309 |
$42 | $503 | Geico | 52 | June 3, 2025 | No | Bakersfield, CA | 93311 |
$43 | $510 | Aspire Advantage | 62 | March 13, 2025 | No | Bakersfield, CA | 93312 |
$43 | $517 | National General | 45 | June 30, 2025 | No | Bakersfield, CA | 93308 |
$44 | $527 | National General | 40 | June 20, 2025 | No | Bakersfield, CA | 93312 |
$44 | $529 | National General | 48 | July 11, 2025 | No | Bakersfield, CA | 93308 |
$44 | $530 | Aspire Advantage | 41 | March 29, 2025 | No | Bakersfield, CA | 93312 |
$44 | $532 | Progressive | 47 | June 28, 2025 | No | Bakersfield, CA | 93314 |
$45 | $542 | Aspire Advantage | 42 | March 21, 2025 | No | Bakersfield, CA | 93314 |
Cheapest car insurance for drivers with at-fault accidents in Bakersfield
At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Has Full Coverage
|
Date of Policy
|
City, State
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ZIP Code
|
---|---|---|---|---|---|---|---|---|
At Fault With Injury | $43 | $511 | National General | 31 | No | July 16, 2025 | Bakersfield, CA | 93313 |
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 Injury | $47 | $562 | National General | 28 | No | January 19, 2025 | Bakersfield, CA | 93308 |
At Fault With Injury | $48 | $579 | National General | 71 | No | January 5, 2025 | Bakersfield, CA | 93308 |
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
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Annual Quote
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Insurance Company
|
Age
|
Date of Policy
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City, State
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ZIP Code
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---|---|---|---|---|---|---|---|
Speeding under 15 | $47 | $564 | National General | 45 | October 16, 2024 | Bakersfield, CA | 93309 |
Speeding under 15 | $50 | $598 | National General | 39 | January 31, 2025 | Bakersfield, CA | 93311 |
Speeding under 15 | $51 | $613 | National General | 51 | March 5, 2025 | Bakersfield, CA | 93313 |
Speeding under 15 | $53 | $641 | National General | 28 | May 13, 2025 | Bakersfield, CA | 93308 |
Speeding under 15 | $59 | $707 | National General | 27 | June 26, 2025 | Bakersfield, CA | 93311 |
Cheapest car insurance for drivers with DUIs in Bakersfield
Violation Summary
|
Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
DUI | $49 | $585 | National General | 33 | September 13, 2024 | Bakersfield, CA | 93306 |
DUI | $50 | $603 | National General | 53 | March 3, 2025 | Bakersfield, CA | 93309 |
DUI | $52 | $626 | Aspire Advantage | 37 | February 24, 2025 | Bakersfield, CA | 93309 |
DUI | $52 | $628 | National General | 62 | May 21, 2025 | Bakersfield, CA | 93304 |
DUI | $53 | $640 | Aspire Advantage | 37 | December 7, 2024 | Bakersfield, CA | 93307 |
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.