Cheap Car Insurance in Bakersfield, CA

Written by Xuyun Zeng and 1 other
Updated Jan 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 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
$36 $427 National General 67 September 27, 2024 Bakersfield, CA 93308
$40 $475 National General 38 December 4, 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
$40 $485 Bristol West 56 December 9, 2024 Bakersfield, CA 93306
$42 $507 Dairyland 39 September 9, 2024 Bakersfield, CA 93308
$42 $509 Aspire Advantage 59 June 20, 2024 Bakersfield, CA 93301
$43 $515 Aspire Advantage 62 October 28, 2024 Bakersfield, CA 93307
$44 $525 Aspire Advantage 32 December 15, 2024 Bakersfield, CA 93312
Last Updated May 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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Cheapest full coverage insurance in Bakersfield

Full coverage offers more holistic protection. This insurance combines collision coverage, which pays to repair damage to your vehicle after an accident, regardless of who is at fault, and comprehensive coverage, 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
$67 $808 Progressive 52 December 22, 2024 Bakersfield, CA 93308
$76 $907 Aspire Advantage 61 September 30, 2024 Bakersfield, CA 93312
$80 $966 Progressive 63 April 16, 2025 Bakersfield, CA 93314
$83 $992 Progressive 55 January 8, 2025 Bakersfield, CA 93311
$87 $1,049 Bristol West 32 April 1, 2025 Bakersfield, CA 93301
$88 $1,057 Aspire Advantage 41 September 10, 2024 Bakersfield, CA 93306
$90 $1,085 Bristol West 46 May 10, 2024 Bakersfield, CA 93313
$93 $1,115 Aspire Advantage 38 December 30, 2024 Bakersfield, CA 93307
$93 $1,122 Aspire Advantage 54 November 9, 2024 Bakersfield, CA 93308
$96 $1,158 Progressive 27 April 24, 2025 Bakersfield, CA 93309
Last Updated May 8, 2025

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
$46 $550 Aspire Advantage 27 No June 7, 2024 Bakersfield, CA 93312
$47 $561 Aspire Advantage 29 No June 14, 2024 Bakersfield, CA 93308
$53 $631 Aspire Advantage 28 No July 11, 2024 Bakersfield, CA 93309
$53 $642 Aspire Advantage 26 No November 16, 2024 Bakersfield, CA 93305
$58 $694 National General 28 No January 3, 2025 Bakersfield, CA 93308
Last Updated May 8, 2025

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
$37 $447 National General 30 No March 26, 2025 Bakersfield, CA 93309
$38 $460 Aspire Advantage 37 No February 21, 2025 Bakersfield, CA 93306
$40 $475 National General 38 No December 4, 2024 Bakersfield, CA 93308
$40 $477 Aspire Advantage 35 No July 7, 2024 Bakersfield, CA 93313
Last Updated May 8, 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
$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 $509 Aspire Advantage 59 No June 20, 2024 Bakersfield, CA 93301
$43 $515 Aspire Advantage 62 No October 28, 2024 Bakersfield, CA 93307
$44 $533 National General 55 No April 26, 2025 Bakersfield, CA 93308
Last Updated May 8, 2025

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
$37 $447 National General 30 March 26, 2025 No Bakersfield, CA 93309
$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
$42 $507 Dairyland 39 September 9, 2024 No Bakersfield, CA 93308
$42 $509 Aspire Advantage 59 June 20, 2024 No Bakersfield, CA 93301
$43 $515 Aspire Advantage 62 October 28, 2024 No Bakersfield, CA 93307
$43 $519 National General 36 February 2, 2025 No Bakersfield, CA 93313
$43 $521 National General 37 January 18, 2025 No Bakersfield, CA 93313
Last Updated May 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 $44 $525 Aspire Advantage 32 No December 15, 2024 Bakersfield, CA 93312
At Fault With No Injury $46 $550 Aspire Advantage 27 No June 7, 2024 Bakersfield, CA 93312
At Fault With Injury $53 $642 Aspire Advantage 40 No May 2, 2025 Bakersfield, CA 93312
At Fault With No Injury $56 $678 Bristol West 56 No December 30, 2024 Bakersfield, CA 93305
At Fault With Injury $58 $694 National General 28 No January 3, 2025 Bakersfield, CA 93308
Last Updated May 8, 2025

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 $51 $613 National General 51 March 5, 2025 Bakersfield, CA 93313
Speeding under 15 $60 $726 National General 41 November 6, 2024 Bakersfield, CA 93306
Speeding under 15 $65 $777 Aspire Advantage 32 May 9, 2024 Bakersfield, CA 93308
Speeding under 15 $67 $803 Dairyland 43 November 1, 2024 Bakersfield, CA 93309
Last Updated May 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 $58 $691 Aspire Advantage 50 March 15, 2024 Bakersfield, CA 93307
DUI $77 $923 Bristol West 52 June 14, 2024 Bakersfield, CA 93308
DUI $86 $1,027 National General 25 December 22, 2024 Bakersfield, CA 93309
DUI $819 $9,828 Bristol West 52 November 21, 2023 Bakersfield, CA 93311
Last Updated May 8, 2025

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.

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.