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Car insurance in Bakersfield

Compare coverage and perks from these top 4 companies, picked by our experts.

From navigating mountain roads to hitting up your favorite venue downtown, you need plenty of protection in Bakersfield to cover all the possibilities for car accidents. We help you narrow down your choices with these top companies in Bakersfield, picked by our car insurance experts.

4 best car insurance companies for Bakersfield drivers

  • AAA of Southern California: Best overall
  • State Farm: Best local agents
  • Mercury: Best for low mileage
  • Wawanesa: Cheapest for safe drivers

Best car insurance companies list for Bakersfield drivers

The best car insurance company for you depends on your driving situation and the features you’re looking for in a policy. When deciding, think about each company’s coverage, price, customer ratings and perks that fit your needs.

For example, if you live and work downtown, you might focus on a policy that rewards low mileage. If you enjoy taking your camper or boat to the lake, rivers and trails nearby, consider insurance companies that offer wide coverage on all the vehicles you own.

Best overall: AAA of Southern California

AAA

Finder rating 4 / 5 ★★★★★

Get quotes
on AAA's secure site

Many locals like the low car insurance rates and that's included with a AAA membership. Get added peace of mind about needing a tow or mobile mechanic, and take advantage of travel and shopping discounts to get the most out of your membership. Plus, the auto club group gets high praise for its customer satisfaction from J.D. Power.

Best local agents: State Farm

State Farm

Finder rating 3.5 / 5 ★★★★★

If you're looking for a top-tier agent in Bakersfield, State Farm delivers. Nearly every agent in the city gets high ratings for customer service, and you'll get personalized advice on the coverage you need.

After starting your policy, download State Farm's mobile app that customers actually enjoy using. The app lets you see your ID cards, pay your bill, file and track claims, search for approved repair shops and more.

Best for low mileage: Mercury Insurance

Mercury

Finder rating 4 / 5 ★★★★★

Mercury rewards people who drive less with low rates overall as well as through its RealDrive program. You'll get a 5% discount when you sign up for RealDrive, plus potentially higher savings once you report your mileage and your policy renews. You also get Mercury's well-rounded coverage and multiple agents to choose from in Bakersfield.

Cheapest for safe drivers: Wawanesa

Wawanesa Mutual

Finder rating 3.5 / 5 ★★★★★

Wawanesa hands out some of the lowest rates in Bakersfield, as long as you qualify for a policy with a clean driving record. You also won't sacrifice on service to get that low rate.

The company takes the top spot in J.D. Power's auto insurance survey for the second year in a row. J.D. Power is a reputable rating agency that scores insurance companies for its customer satisfaction.

How we chose these insurers

To find the best insurance companies in Bakersfield, California, our experts considered national, regional and local companies. We looked for companies with a variety of coverage, high customer satisfaction and many discounts that customers have come to expect from their company. We also considered the customer ratings and reputation of each company in the Bakersfield area.

State minimum car insurance requirements in Bakersfield

Hit the road in Bakersfield with only liability coverage to stay legal. However, consider whether the state’s requirements provide you enough protection for a variety of possible car accidents.

  • Bodily injury liability — $15,000 for injuries to one person, $30,000 for injuries to multiple people
    This state requires the lowest minimum liability coverage of any US state, and its coverage is low enough to leave you underprotected if you’re on the hook for someone else’s medical bills. Think about boosting your liability limits.
  • Property damage liability — $5,000 for damage to someone else’s property
    This coverage kicks in if you damage someone else’s property, like their car, fencing or cargo.
  • Uninsured or underinsured motorist — Usually same as your liability limits
    This required coverage pays for your own medical bills or car repairs if an underinsured driver hits you and can’t pay. You can opt out in writing, but consider keeping the extra protection.

We recommend full coverage for Bakersfield drivers

Think about keeping comprehensive and collision coverage on your policy in Bakersfield, which is called full coverage. Full coverage covers you if you’re at fault or if weather, theft or other natural events damage your car.

Why do you need this much coverage? Bakersfield may not have as many people living in it as major areas like Los Angeles. But the city does house over 380,000 people, according to the US Census Bureau.

You’re bound to run into traffic and risk an accident in a city this size. Make sure that you won’t take a financial hit if your car gets damaged.

Fatal crashes in Kern county have risen 48% in five years

Kern, the county that houses Bakersfield, ranks No. 6 for the highest number of fatal crashes in California. This is based on the California Highway Patrol’s most recent collision report from 2017. Kern county falls slightly below San Diego which saw 222 fatal crashes in 2017 and Orange county which saw 197 fatal crashes.

However, the real concern lies with how quickly Kern has earned its ranking. Fatalities were up 48% in 2017 compared to 2012. For this reason, you could see high car insurance rates in some parts of Bakersfield, based on how many serious accidents happen where you live.

County# of accidents w/ injuries in 2017# of fatal accidents in 2017
Los Angeles62,574715
Orange15,173197
San Francisco4,01325
Ventura3,98048
Kern3,626169

Bakersfield is No. 7 for California counties with the most auto thefts

The Bakersfield metro area ranks as one of the worst California counties for auto theft. It sits just below Sacramento which saw 8,329 thefts in 2020, according to data from the National Insurance Crime Bureau.

On top of that, thefts have increased in Bakersfield by a full 25% from 2019 to 2020. You’ll want to consider comprehensive car insurance coverage here to help you recover financially if your car gets stolen.

Year# of car thefts in Bakersfield
20186,748
20196,538
20208,161

How to save on car insurance in Bakersfield

Try these tips to lower your car insurance costs in Bakersfield.

  • Take a defensive driving course. Most insurers give discounts of 5% to 20% for three to five years if you complete an approved refresher course.
  • Bundle all your insurance policies. Consider the company’s lineup of insurance policies that land you a discount for bundling. You could bundle your auto and home, renters, RV or boat insurance policy.
  • Look at multiple companies. Getting several quotes makes sure that you end up with the best value for the coverage you need.
  • Park in your garage or secured parking. With auto theft on the rise, keep your car secure in Bakersfield, especially if you’re going downtown for a long time or parking overnight.

Compare cheap car insurance in California

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Allstate
Yes
Yes
Drivewise
Yes
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Speak to an agent: 877-526-1527

Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Root
No
Yes
Telematics only
Yes
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
The AARP Auto Insurance Program from the Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.

Speak to an agent: 877-336-0538

Nationwide
Yes
No
Yes
Yes
All states except AK, HI, LA, MA
Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
Savvy
Yes
Depends on provider
No
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
AAA
Yes
Yes
No
Yes
AK, AZ, CA, MT, NV, UT and WY
Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
State Farm
No
Yes
Drive Safe and Save
Yes
All 50 states
Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value.

Speak to an agent: 877-745-0232

Allied
Yes
Yes
Nationwide SmartRide
No
AZ, CA, CO, DE, FL, GA, ID, IL, IN, IA, KS, MD, MI, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI& WY
Finding the right auto insurance doesn’t have to be confusing. Allied Insurance has a network of independent agents to help you get customized coverage for your unique needs.
Assurance
Yes
Yes
No
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
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Bottom line

In Bakersfield, you won’t be short on top choices for car insurance companies. Compare the price, features and coverage you need with a variety of car insurance companies before you make a final decision.

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