For California drivers, auto insurance fulfills the legal requirement of financial responsibility for your vehicle. When selecting a company, drivers consider the type and amount of coverage they need and the cost of the policy. Our partners at ConsumerAffairs researched the best car insurance in Bakersfield to help you protect your financial interests.
How to choose a car insurance company in Bakersfield
In California, the law requires financial responsibility for each motor vehicle on the state’s roads. Lawful drivers fulfill this obligation by purchasing car insurance. Car insurance in Bakersfield helps pay for injuries or property damage that occurs when you are behind the wheel.
The minimum car insurance in California must include liability coverage, which pays for injuries or property damage to others when you are responsible. The policy must pay out at least these amounts:
$15,000 for injury or death to one person
$30,000 for injury or death to more than one person
$5,000 for property damage
Keep in mind that these are only the minimum coverage amounts. If you cause an accident with higher costs, you could be sued for additional money. To protect assets, many Bakersfield residents pay more for higher liability limits.
Also, recognize that liability coverage does not pay for injuries to you or your family or to your property. Therefore, car owners often purchase nonrequired types of coverage (or may be required to by their car loan company).
Type of coverage
What it pays for
Repair or replacement of your car after it hits another vehicle or object
Repair or replacement of your car after theft, vandalism, fire, flood, falling objects and other non-collision events
Medical expenses if you or passengers are injured, no matter who’s at fault
Medical expenses/property damage when an uninsured or underinsured driver causes an accident
How much does car insurance in Bakersfield cost?
Californians pay some of the highest car insurance premiums in the U.S., but Bakersfield residents are fortunate to pay less than the state average. The exact cost of your policy depends on a group of factors:
Vehicle make, model and year
Age of driver
Coverage types and amounts
Where you live in Bakersfield also may affect what you pay. Premiums for downtown residents are generally more expensive.
When shopping for car insurance in Bakersfield, get quotes from brokers and company agents and compare costs, making sure you are taking advantage of all available discounts. Savings are usually available if you are a good driver, choose a higher deductible, make automatic payments or insure multiple cars or bundle with a homeowners policy.
For other tips on purchasing car insurance, check out this guide from the California Department of Insurance.
Progressive insures over 18 million drivers and is one of the largest auto insurance companies in the U.S. Bakersfield residents can choose from different coverages and get access to multiple discounts. Accurate, personalized quotes are available in under 10 minutes. According to reviews, policyholders enjoy a fast claims process and competitive rates, along with good customer service.
Liberty Mutual car insurance comes with a 12-month rate guarantee, 24/7 customer service and a lifetime promise on all repairs. The company also helps contribute toward out-of-pocket costs through the Liberty Mutual Deductible Fund. Save instantly by purchasing online, then take advantage of other discounts. Customers say Liberty Mutual has a user-friendly website and makes it simple to get a competitively priced quote.
The General has been insuring drivers across the U.S. for over 50 years. The company is a great option for all types of vehicles and drivers, including those with less-than-perfect records. Policy and claims service is customer-focused, featuring a brand-new app with on-demand support. Reviewers appreciate that The General insures high-risk drivers at affordable prices.
Freeway Insurance is an insurance broker with experts to help you choose an auto policy that meets your needs and budget. Bakersfield residents can visit any of several area offices to get quotes from top companies. Both English- and Spanish-speaking agents are available. Reviewers say the staff at Freeway Insurance are patient, knowledgeable and helpful.
Cost-U-Less has two Bakersfield-area locations to help residents find low-cost car insurance. Drivers have over 100 options for coverage. You can stop in the office, call or go online for a customized quote, and Cost-U-Less will let you know what discounts you qualify for. English- and Spanish-speaking agents are available. Reviewers recommend the company to others, saying it lives up to the name.