Cheap Car Insurance in Bakersfield, CA

Written by Xuyun Zeng and 1 other
Updated Jul 23, 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 Quote
City, State
ZIP Code

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 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
Last Updated Jul 24, 2025

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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
Annual Quote
Insurance Company
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
Last Updated Jul 24, 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 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
Last Updated Jul 24, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
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
Last Updated Jul 24, 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 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
Last Updated Jul 24, 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 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
Last Updated Jul 24, 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 $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
Last Updated Jul 24, 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 $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
Last Updated Jul 24, 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.