Best Bakersfield, CA Auto Insurance in 2024 (10 Standout Companies)

State Farm is the top pick for the best Bakersfield, CA, auto insurance, offering cheap rates and extensive auto insurance coverage options. While State Farm offers the best Bakersfield car insurance, Geico and Progressive are worth considering because of their various discounts.

This article covers the most important elements influencing Bakersfield auto insurance, including discount availability, coverage level, and specific coverage needs.

Our Top 10 Company Picks: Best Bakersfield, CA Auto Insurance

You can save on your auto insurance by entering your ZIP code above and comparing rates for the best Bakersfield, CA auto insurance.

#1 – State Farm: Top Overall Pick

Pros

• Extensive Local Network: For on-location service, State Farm provides drivers in Bakersfield, California, with a wide system of insurance agents.
• Drive Safe & Save Program: State Farm offers customized discounts to Bakersfield car owners who drive safely for car insurance. Explore further details in our “State Farm Review.”
• High Customer Satisfaction: Bakersfield residents often report high-reliability ratings for State Farm’s customer service and claims process for auto insurance.
• Solid Financial Strength: Customers in Bakersfield, CA, need not worry, as a good financial rating will give them confidence in partnering with State Farm auto insurance.

Cons

• Higher Premiums for Full Coverage: Compared to some of its rivals, State Farm charges Bakersfield, California auto insurance full coverage prices to car drivers, which is more expensive.
• Limited Online Tools: There may not be enough adequately developed online resources in the insurance coverage area to support Bakersfield residents with their online options.
• Discount Limitations: Unlike other insurance companies, Bakersfield customers may find that it lacks some of the more notable discount opportunities regarding budget-friendly car insurance.

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#2 – Geico: Best for Competitive Rates

Pros

• Affordable Pricing: Geico is one of the best low-cost car insurance providers in Bakersfield, probably offering the lowest cost for minimum coverage.
• Military Discounts: Geico offers exclusive insurance discounts to military personnel in Bakersfield. Explore our “Geico Auto Insurance Review” to gain deeper insights.
• Digital Tools: Geico has been considered faultless in delivering great mobile apps and making online account management easy for Bakersfield residents for car insurance coverage.
• Quick Claims Process: Geico ensures fast and hassle-free car insurance claims processing from Bakersfield car owners.

Cons

• Less Personalized Service: With fewer local agents, Geico may offer lower in-office service to drivers in Bakersfield than other auto insurance.
• Higher Rates for High-Risk Drivers: In Bakersfield, CA, Geico insurance rates for bad drivers are higher than those of other insurance providers.
• Limited Coverage Options: Geico has fewer specialty coverage options for drivers in Bakersfield than other car insurance companies.

#3 – Progressive: Best for Budgeting Tools

Pros

• Snapshot Program: Progressive saves Bakersfield’s driving car owners money based on actual driving performance for auto insurance.
• Customizable Payment Plans: The Bakersfield drivers can choose flexible payment terms to meet budgetary insurance needs.
• Discounts for Pay-in-Full: Homeowners in Bakersfield get more by paying the full premium at one time with Progressive. Discover what lies beyond with our “Progressive Auto Insurance Review.”
• Wide Array of Coverage Options: Progressive offers Bakersfield drivers a widefield driver, including pet injury coverage for auto insurance.

Cons

• Higher Premiums for Young Drivers: Car owners in Bakersfield, CA, who are under 25 may be charged more than other car insurance options.
• Mixed Customer Service Reviews: People living in Bakersfield report that Progressive’s customer support is rather inconsistent regarding auto insurance reviews.
• Snapshot Program May Not Benefit All: Bakersfield drivers who don’t perform well in the Snapshot program could see little to no car insurance discount.

#4 – Allstate: Best for Community Involvement

Pros

• Safe Driving Bonus: Allstate rewards Bakersfield drivers with a safe driving insurance bonus as long as they stay accident-free.
• Strong Local Presence: Allstate provides Bakersfield residents access to various local car insurance agents to facilitate in-person assistance.
• Exclusive Teen Driver Discounts: Families with adolescent drivers can take advantage of special teen driver safety initiatives for auto insurance in Bakersfield, CA.
• Claim Satisfaction Guarantee: The provider offers Bakersfield residents the opportunity to get their money back if they are dissatisfied with their car insurance claims experience.

Cons

• Higher Starting Rates: Compared to more affordable options like Geico, Allstate’s initial auto insurance premiums may be more expensive for drivers in Bakersfield.
• Limited Flexibility on Discounts: Allstate’s discount options might not be as extensive as Farmers’ for Bakersfield, CA locals. Get the full story by reading our “Allstate Auto Insurance Review.
• Less Friendly Digital Tools: Although Allstate has a strong local presence, Bakersfield residents may find its web resources less user-friendly than those of other auto insurance companies.

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#5 – Farmers: Best for Trusted Option

Pros

• Superior Claims Service: It has a reputation for handling insurance claims efficiently for Bakersfield drivers. Uncover additional insights in our article called “Farmers Auto Insurance Review.”
• Extensive Agent Network: Farmers offers Bakersfield residents access to a strong network of knowledgeable car insurance agents.
• Good Student Discounts: Bakersfield families with student drivers can benefit from Farmers’ good student discounts for affordable auto insurance.
• Homeowners Discount: They reward Bakersfield homeowners with discounted insurance rates when they bundle their home and auto policies.

Cons

• Slightly Higher Premiums for Full Coverage: Farmers charge more for full coverage in Bakersfield than other car insurance companies.
• Limited Availability of Digital Tools: Farmers’ online auto insurance services may not be as comprehensive for car owners in Bakersfield, CA.
• Fewer Discounts: Farmers doesn’t offer as many insurance discounts for drivers in Bakersfield, CA as auto insurance competitors like.

#6 – Nationwide: Best for Unique Coverage

Pros

• Vanishing Deductible: Bakersfield drivers can lower their deductible over time with Nationwide’s vanishing deductible car insurance program.
• Accident Forgiveness: Nationwide offers Bakersfield, CA residents accident forgiveness, preventing rates from increasing after a first accident from auto insurance coverage.
• Good Student Program: Nationwide rewards Bakersfield students for maintaining good grades and reducing insurance costs.
• Unique Coverage Options: It offers unique coverage options for vehicle insurance coverage, such as total loss deductible waivers, to drivers in Bakersfield.

Cons

• Limited Local Agents: Nationwide may have fewer agents available for residents than other car insurance companies.
• Higher Rates for Custom Coverage: Bakersfield motorists requiring specialty auto insurance coverage may sometimes pay more than Nationwide charges.
• Discount Limits: Nationwide may not offer similarly broad insurance discounts for Bakersfield drivers. Elevate your knowledge with our “Nationwide Auto Insurance Review.”

#7 – Liberty Mutual: Best for Customizable Policies

Pros

• Tailored Coverage: It allows Bakersfield drivers to build custom car insurance policies based on their needs.
• Homeowner Discounts: Liberty Mutual offers homeowners in Bakersfield, CA, discounts for bundling home and auto insurance policies.
• New Car Replacement: In Bakersfield, CA, drivers can benefit from Liberty Mutual’s new car replacement insurance coverage in case of total loss.
• Paperless Billing Discounts: Auto insurance discounts are available for residents who receive their bills through paperless billing. Find more details in our “Liberty Mutual Review.”

Cons

• Higher Premiums for Risky Drivers: Liberty Mutual tends to charge pricey car insurance premiums for cars with less-than-perfect driving records.
• Lower Discounts for Bundling: Liberty Mutual has less competitive bundling discounts for Bakersfield residents than other auto insurance coverage.
• Limited Availability of Local Agents: Drivers may find fewer Liberty Mutual agents for in-person support in Bakersfield for auto insurance.

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#8 –American Family: Best for Strong Service

Pros

• Excellent Customer Support: Besides its awesome customer service, the people of Bakersfield greatly appreciate having an extremely responsive team for car insurance.
• Bundling Discounts: American Family bundles home and auto insurance, earning a 20% discount for such bundling.
• Low Mileage Discounts: Bakersfield car owners who don’t drive can benefit from its low mileage discount for car insurance coverage.
• Flexible Payment Plans: American Family offers customizable auto insurance payment options for drivers in Bakersfield, CA.

Cons

• Higher Premiums for Full Coverage: American Family slightly takes additional premiums in full insurance coverage cases among the drivers in Bakersfield.
• Fewer Online Features: Bakersfield residents may find American Family’s digital tools less comprehensive than other auto insurance companies.
• Limited Discounts: American Family offers fewer insurance discount opportunities for residents in Bakersfield, CA. Learn more information in our “American Family Review.”

#9 – The Hartford: Best for Senior Focus

Pros

• Senior-Friendly Benefits: They offer Bakersfield seniors exclusive benefits tailored to their needs, like RecoverCare. Uncover more by delving into our “The Hartford Company Auto Insurance Review.”
• AARP Discounts: Bakersfield, CA AARP members can take advantage of special auto insurance discounts through The Hartford.
• Bundle and Save: Residents in Bakersfield can save by bundling home and car insurance providers with The Hartford.
• Roadside Assistance: The Hartford offers extensive roadside assistance to drivers in Bakersfield, CA, so dealing with emergencies on the road is less troublesome with auto insurance coverage.

Cons

• Higher Rates for Younger Drivers: Bakersfield car owners under 50 may find Hartford’s premiums higher than those of other car insurance providers.
• Limited Digital Tools: Bakersfield residents may find Hartford’s digital features less advanced than other auto insurance companies.
• Restricted Eligibility: Their best auto insurance features, including AARP discounts, are limited to senior Bakersfield drivers.

#10 – AAA: Best for Roadside Assistance

Pros

• Comprehensive Roadside Service: AAA has earned its reputation for offering excellent roadside assistance services as an add-on feature to an affordable insurance package.
• Loyalty Discounts: AAA offers loyalty discounts to long-time residents of Bakersfield, CA, who continue to receive auto insurance coverage.
• Available Student Discounts: Students in Bakersfield, CA, can get car insurance discounts to maintain good grades, which can help families lower costs.
• Membership Benefits: In addition to auto insurance, AAA serves the interests of automobile motorists in Bakersfield through member-only benefits for affordable car insurance coverage.

Cons

• Higher Membership Costs: Bakersfield drivers must pay for their membership and auto insurance premiums. For a comprehensive understanding, consult “AAA Auto Insurance Review.”
• Limited Availability of Local Agents: Bakersfield homeowners may find fewer AAA insurance agents available for in-person service than local insurers.
• Higher Rates for Non-Members: In Bakersfield, CA, residents who are not AAA members may receive less competitive auto insurance rates from AAA.

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Cheap Auto Insurance in Bakersfield, CA

Companies that offer California auto insurance policies may calculate your premiums based on factors like credit, age, marital status, or even the miles you drive each year.

Bakersfield, CA Report Card: Auto Insurance Premiums

If you are a responsible driver, you should take every opportunity to change these factors in your favor. But not all of them are so easy to control. It’s important to know what they are to plan a strategy to get you the most affordable Bakersfield, CA, auto insurance.

Auto Insurance Rates by Provider & Coverage in Bakersfield

Bakersfield, CA, auto insurance rates vary with the coverage you require. State Farm, Geico, and Progressive are the best providers for drivers seeking cheap auto insurance companies

The following providers offer good coverage at affordable prices. They provide the minimum legal coverage to register your car in California and help you get coverage that fits a small budget.

Bakersfield, CA Auto Insurance Monthly Rates by Provider & Coverage Level

A full-coverage provider is the best option if you want perfect coverage for the ages, not only on the other vehicle but also on your own. It is a good option for people who want greater peace of mind.

These providers allow you to select from various flexible plans with competitively priced offers. That is why they are well-suited for people who are looking for affordable auto insurance in Bakersfield, CA.

Let’s now examine the various discounts offered by the highest provider, which may greatly contribute to the lower price of your insurance and give you more choices regarding your coverage.

Bakersfield, CA Auto Insurance Companies Claiming Process

Auto insurance claims in Bakersfield, CA, start with a car accident or a stolen vehicle. Report the incident to your insurance company as soon as possible. Ideally, this should be within 24 hours. You will be required to have a copy of the policy and other supporting documents, like pictures or police reports if you have them.

Most insurance agencies are open to everyone, so you can submit your claim via their online platform or mobile application.

After you file a claim, an adjuster shall assess it. He may contact you to gain some information, estimate the damage, determine who is liable, and determine the amount of compensation based on your coverages. Proper communication with your insurance company is significant in processing hassle-free claims and maximizing your potential benefits, including claims-free insurance discounts if this is your first accident-free season.

Various Discounts Available for Bakersfield, CA Auto Insurance

Knowing one’s options for discounts greatly boosts choosing the right auto insurance at a low cost in Bakersfield, CA. Top auto insurers each offer several discounts tailored to different profiles of drivers.

Auto Insurance Discounts From the Top Providers in Bakersfield, CA

Auto insurance companies in Bakersfield offer many discounts to help car buyers reduce their premiums. The most available discounts include coverage for safe driving records, many policies bundling, and students’ coverage. It only means that there is an open avenue whereby more clients may benefit in saving on their costs against automobile policy purchasing.

In addition, continuous coverage insurance discounts can benefit those who have maintained uninterrupted coverage. Considering some options outlined above, Bakersfield area residents might find lower rates and the protection they need behind the wheel.

Bakersfield Auto Insurance Online and Digital Processes

Auto insurance companies in Bakersfield, CA, have introduced online and digital procedures. Presently, most companies have a website and application that their clients can access to monitor their accounts, compare quotes, and even manage policies via mobile phones. It improves the experience but accelerates claims for easy resolution.

The online resources empower clients to make decisions about their auto insurance needs. They enable one to understand the factors that determine car insurance through easy access to reviewing coverage options and various pricing structures.

More importantly, it allows Bakersfield companies to study customer data in real-time using complex algorithms that can provide quotes based on a person’s driving behavior. This makes the service and available individual options relevant to that end. Accessing auto insurance in Bakersfield is easier and more convenient because the focus is on the digital process.

Safety Features of Bakersfield, CA Auto Insurance Providers

Safety features become significantly relevant to auto insurance coverage and rates, particularly regarding minimum car insurance requirements. Modern safety features, including anti-lock brakes and a collision warning system, have made cars eligible for discounts by various Bakersfield firms.

However, as automotive technology becomes even safer, all this may eventually be rolled into the terms of auto insurance companies. With this, more vehicle owners can have more updated safety features, thereby making auto insurance companies part of the push for Bakersfield roads to be safer while offering to reward responsible drivers by keeping savings.

Major Factors in the Cheapest Auto Insurance in Bakersfield, California

We will discuss some of the most important things that your Bakersfield, CA, auto insurance company will want to know before they issue you a policy.

To assess risk and set premiums, Bakersfield auto insurance companies evaluate your driving history, vehicle type, and local accident rates. A strong profile, marked by safe driving habits and a reliable vehicle, can lead to lower monthly rates.

They need this information to determine how risky a driver you are and how much they need to charge you for their services. The better your profile, the better your monthly rate.

Your ZIP Code

Well, over 300,000 people are living in Bakersfield right now—376,371, to be precise. With so many fellow residents driving their cars and sharing the road with you, the likelihood of an accident is frighteningly high.

California Monthly Auto Insurance Rates by City

Unfortunately, you can’t necessarily control this aspect of your profile. Big cities tend to cost drivers more money in monthly premiums – and it’s not easy to pick up and move just to pay a little less for your coverage.

Automotive Accidents

The odds that a Bakersfield resident will get into a fatal crash and perish are well below 1%. But that doesn’t mean there isn’t any risk at all.

Bakersfield, CA: Fatal Accident Statistics

This below-average risk can benefit some drivers by saving money on Bakersfield, CA, auto insurance if they wouldn’t be driving that much in the first place. However, “How Accidents Change Your Car Insurance Rate” is one thing to consider because even a minor accident significantly increases your premium.

Auto Thefts in Bakersfield

Last year, 3,048 cars were stolen in Bakersfield. That’s almost 805 vehicles per 100,000 residents, which many insurance companies may consider a higher-than-average risk of auto theft.

Prove them wrong by installing an anti-theft device and parking your car somewhere safe at night, like a garage or another secured area. Doing so can help you qualify for an anti-theft device insurance discount, lowering your overall premiums while protecting your vehicle.

Your Credit Score

Did you know that California is one of only three states where it is illegal for your car insurance company to use your credit score against you in determining premiums?

Bakersfield, CA Auto Accident & Insurance Claim Statistics

It might be a tremendous boon to people with credit problems, but it can be a blessing in disguise for people with good credit. Many car insurance companies gamble by making everybody pay more money.

A person with good credit might pay a little more than he would otherwise in another state, and one with poor credit might not get any discount.

Your Age

Older drivers who have had their license for many years (and used it) are some of the least risky drivers in the eyes of an insurance company. Motorists in their thirties and forties tend to get the best age-related discounts, especially since most can bundle their auto policy with homeowners’ insurance or other assets.

Bakersfield, CA Auto Insurance Monthly Rates by Age

On the other hand, young drivers usually lack the experience and decision-making skills to avoid serious accidents, making car insurance for teenagers very expensive.

Your Driving Record

If you haven’t had any tickets or accidents or filed any auto insurance claims in the last three to five years, you’ll have an opportunity to score some serious discounts.

If nothing in that previous sentence applies to you, don’t despair just yet. As we said, your insurance company can only evaluate the most recent years of your driving history.

Bakersfield, California Monthly Insurance Rates by Driving Record

Keeping your nose clean and your driving record spotless for as long as you can from now on will eventually scrub your record and give you opportunities to save.

Your Vehicle

Specific vehicles are riskier and more expensive to insure than others. It is a simple fact of life. For example, an expensive sports car that most owners like to drive fast (and many thieves like to steal) will have much higher premiums than a 2010 Toyota Corolla driven by a soccer mom, making it crucial to explore options like Bakersfield, CA, cheap car insurance for more affordable coverage.

Bakersfield, CA: Auto Insurance Rates for 2015 Honda Accord vs. 2015 Chevy Corvette

Remember one rule: the flashier and more expensive your vehicle is, the more you should expect to pay your premiums.

Selecting Bakersfield Auto Insurance Provider

Auto insurance in Bakersfield, CA, is determined by online and digital processes, safety features, and customer reviews. Digital tools allow policyholders to access their insurance offerings more easily, while more advanced safety features contribute significantly to reduced premium costs and can affect the Annual Percentage Rate.

In this case, customer reviews give a vast insight into what happened with other drivers, thereby leading the driver to make the right decision when choosing “Minimum Car Insurance Requirements.”

Analyzing these critical factors could help Bakersfield motorists make the right choice from amongst a diversified opportunity to have the best auto insurance provider for their needs.

It is a result of combining sophisticated technology, safety improvements, and candid customer input, which makes buying an insurance policy more knowledgeable and hassle-free.

Compare the top auto insurance providers in Bakersfield, CA, by entering your ZIP code into our free tool below.