Cheapest Car Insurance Quotes in Bakersfield

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Bakersfield Car Insurance

^$ 14

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Bakersfield

The car insurance rate in Bakersfield is $632 for a six-month policy, which is $13 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $367, making it a popular choice for budget-conscious drivers. Rates in Bakersfield can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Bakersfield

$632

Avg. Car Insurance in Vermont

$645

National Average

$1278

Cheapest Car Insurance Companies in Bakersfield

1st place: Union Mutual

At $367 for a six month policy, Union Mutual offers the cheapest auto insurance rates in the city.

2nd place: CoOp

CoOp offers auto insurance rates at $483 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $483 for six months, making it the third cheapest auto insurance company in Bakersfield.

Bakersfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bakersfield, VT is Union Mutual, offering policies at just $367 for a six-month term. This is followed by CoOp, which has an average six-month premium of $483.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1054 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bakersfield drivers find the best deals.

Cheap Car Insurance Companies in Bakersfield, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$367	$61
Co-Op	$483	$82
USAA	$483	$81
Vermont Mutual	$518	$87
State Farm	$553	$93
Concord Group	$663	$113
Progressive	$663	$112
Nationwide	$705	$119
Concord	$832	$139
Allstate	$1054	$177

Key Takeaways

Way's key takeaways about car insurance in Bakersfield

The auto insurance costs in Bakersfield fall around $367 for six months.
The cheapest auto insurance company in Bakersfield is Union Mutual.
Teen drivers pay the highest rate in Bakersfield at $413 per month.

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Cheapest Minimum Liability Car Insurance in Bakersfield

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Bakersfield are given below.

Union Mutual provides the cheapest minimum car insurance coverage in Bakersfield. Their Average 6 Month Premium is $81. Nationwide is the most expensive at $315 for the same period.

Cheapest Liability Coverage in Bakersfield, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$81	$14
Co-Op	$111	$19
USAA	$123	$21
American Family	$128	$22
State Farm	$146	$25
Auto-Owners	$151	$25
Vermont Mutual	$180	$30
Allstate	$198	$33
Concord Group	$216	$36
Progressive	$233	$39
Concord	$279	$47
Nationwide	$315	$53

Cheapest Full Coverage Car Insurance in Bakersfield

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Bakersfield is Union Mutual at $61 per month and $367 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bakersfield, VT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$367	$61
Co-Op	$483	$82
USAA	$483	$81
Vermont Mutual	$518	$87
State Farm	$553	$93
Concord Group	$663	$113
Progressive	$663	$112
Nationwide	$705	$119
Concord	$832	$139
Allstate	$1054	$177

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Average Car Insurance in Bakersfield by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Bakersfield, VT increasing?

Despite maintaining a clean driving record, your car insurance rates in Bakersfield, Vermont, may be increasing due to several external factors. Vermont has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Bakersfield's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bakersfield

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Bakersfield,VT

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Bakersfield at $27 per month. At $2451 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$163	$27
Auto-Owners	$204	$34
USAA	$867	$146
Vermont Mutual	$943	$159
Co-Op	$949	$162
State Farm	$996	$168
Concord Group	$1321	$224
Progressive	$1420	$239
Allstate	$1491	$251
Concord	$1543	$257
Nationwide	$2451	$413

Teen Car Insurance Rates in VT by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Bakersfield, Concord Group is the cheapest car insurance provider. At $233 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Bakersfield is State Farm, offering rates of around $1909 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$233	$39
American Family	$268	$45
Nationwide	$780	$131
Allstate	$943	$159
USAA	$960	$164
Co-Op	$978	$163
Vermont Mutual	$1042	$175
Progressive	$1240	$207
Concord	$1485	$253
State Farm	$1909	$319

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Car Insurance Rates with An Accident in Bakersfield

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Bakersfield, VT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bakersfield

The cheapest car insurance companies after an at-fault accident in Bakersfield include Union Mutual and American Family, offering $81 and $157, respectively. Concord is an expensive provider with an average six-month premium of $1263.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Union Mutual	$81	$14
American Family	$157	$26
Auto-Owners	$216	$36
State Farm	$361	$61
USAA	$396	$67
Vermont Mutual	$495	$83
Co-Op	$646	$108
Allstate	$739	$124
Concord Group	$1024	$171
Progressive	$1024	$172
Nationwide	$1222	$206
Concord	$1263	$215

Bakersfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bakersfield VT. For example, the car insurance in Bakersfield after a DUI increases to $693 for a six month policy. While the rate increases by $88 for a six-month policy in the case of a speeding ticket.

Bakersfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$634	$106
One comp claim	$634	$108
One Med/PIP claim	$634	$106
Two Med/PIP claims	$640	$109
Not-at-fault accident	$646	$108
Two comp claims	$658	$112
At-fault accident - less than $1000	$681	$114
Child safety restraint	$693	$118
Driving without lights	$693	$116
Failure to wear a seat belt	$693	$118
Failure to show documents	$699	$117
Driving with expired registration	$716	$122
Speeding 11 - 15 MPH over limit	$722	$121
Speeding 16 - 20 MPH over limit	$722	$123
Speeding 6 - 10 MPH over limit	$722	$121
Driving too slowly	$728	$123
Speeding in school zone	$728	$122
Wrong way/wrong lane	$728	$123
Failure to stop at a red light	$733	$123
Failure to yield	$733	$124
Following too closely	$733	$123
Illegal turn	$733	$124
Improper passing	$739	$123
Speeding 21 - 25 MPH over limit	$739	$125
Cell phone violation	$792	$132
Texting while driving	$792	$134
In 65 MPH zone	$809	$135
At-fault accident - $1000-$2000	$832	$141
Passing school bus	$832	$139
At-fault accident - greater than $2000	$867	$147
Open container	$885	$147
Operating a vehicle without permission	$943	$161
Racing	$1117	$186
Reckless driving	$1117	$190
Driving with a suspended license	$1269	$212
Refusal to submit to a chemical test	$1315	$223
DUI	$1327	$221
Leaving scene of an accident/hit and run	$1350	$229

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Bakersfield after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Bakersfield.

The cheapest car insurance premiums in Bakersfield are offered by American Family at $227 for a six-month policy. However, it can be as expensive as $2055 with companies like Vermont Mutual.

Bakersfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$227	$38
Auto-Owners	$244	$41
Progressive	$489	$82
State Farm	$547	$92
USAA	$693	$117
Concord Group	$699	$118
Co-Op	$705	$118
Allstate	$792	$133
Concord	$1414	$236
Nationwide	$1595	$269
Vermont Mutual	$2055	$346

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Bakersfield are offered by American Family at $163. However, it can be as expensive as $1426 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Bakersfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$163	$27
Co-Op	$343	$59
State Farm	$361	$61
Vermont Mutual	$378	$64
Allstate	$530	$89
USAA	$658	$112
Progressive	$826	$138
Concord	$867	$147
Nationwide	$1426	$238

Car Insurance Price Trends in Bakersfield, Vermont

Car insurance rates in Bakersfield have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Bakersfield remained steady at $137 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Bakersfield remained steady at $30 in both February and January, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Bakersfield?

The car insurance in Bakersfield is $14 per month, which is lower than the national average.

What is the cheapest car insurance in Bakersfield?

The cheapest car insurance in Bakersfield is $61 per month for full coverage.

How much is car insurance in Bakersfield for teenagers?

Car insurance for teenagers costs $163 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Bakersfield?

The average cost of car insurance is $645 for a six-month policy. It will cost around $106 per month to insure your car in Bakersfield.

Is car insurance expensive in Bakersfield?

Car insurance can be expensive in Bakersfield if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Bakersfield can be affordable.

What is the best car insurance in Bakersfield, VT?

The best car insurance company in Bakersfield VT is Union Mutual, offering $367 for a six-month policy.