The most affordable rates in Bakersfield, CA can be found at Nationwide, GEICO and Century National according to our data. With an overall city auto insurance average of $1,526, the city ranks as the 39th cheapest in California. However, going with the four cheapest insurers in the city gave our driver a better rate than the average in California's cheaper cities. The top five companies in Bakersfield are:
The best auto insurance companies provide a wide range of coverage options so your plan fits you the way it should — tailored to your specific needs. We required our top insurers to host all the basic essentials for coverage. This includes bodily injury liability, collision, comprehensive, personal injury protection (PIP), property damage, and uninsured/underinsured motorist coverage. For a quick refresher on what those terms cover, check out our auto insurance guide below.
Each insurance company evaluates personal factors in its own way, and they keep their methods as hidden as possible. So we can’t tell you which company puts high value in your occupation or emphasizes a clean driving history more than others. But to help you get going, we can show you a car insurance rate comparison for the same hypothetical driver and car, using average rates from across the country.
Superior mobile app: Geico’s mobile app offers the full suite of their services; you can quote, buy, and manage your insurance, pay your bill, get roadside assistance, and submit a claim from your phone. Basically anything you can do on their website, you can do in the app. In the App Store, Geico has over 1.14 million reviews and a 4.8 out of 5 star rating. This is significantly more users–and far more rave reviews–than apps from their competitors.

The next step is to look for a list of reputable and dependable insurers licensed in your state. States often produce annual reports that rank companies by their complaints. The National Association of Insurance Commissioners publishes complaint data at the Customer Information Source. Another source we recommend are industry surveys and consumer organizations. J.D. Power, for example, measures satisfaction on pricing, policy offerings, and claims handling. AM Best's Financial Strength Rating measures a company's financial ability to pay out insurance claims. Pick a handful of companies from these sources, about three to five, that are generally well rated.


A car insurance quote from The General® requires no personal information (your name, phone number, street address, etc.) to provide an accurate car insurance quote. Once you receive your anonymous auto insurance quote, there is absolutely no commitment on your part. You can save your auto insurance quote online at any point during the process and return to it at your leisure.


I have actually been with another insurance provider for near to 20 years. I never ever doubted increases until my boy started driving. WOW what a shock Cameron provided me at the Daytona workplace. I will not be conserving close to a $100 each month. I have 3 automobiles so you can see what a multi automobile price cut can do for you. Next we are mosting likely to check out boat and also house insurance. I can not comment on claim services yet.
Whether you want broad coverage for the best protection available or you just want what's required by law to stay legal, our agents can help you select the insurance products that meet your needs, including helping you save money on costly Boston car insurance. We also help high-risk drivers – new drivers as well as those with bad driving records – get coverage at a cost they can afford. And if you've had your insurance canceled, our agents know how to find you a new policy that will offer you the protection you want. Need commercial drivers' insurance? No problem. We have lots of experience finding the right insurance coverage for commercial drivers whose risk profiles may be more complex.
How it works: Once I launched the quoting tool for auto insurance, I was greeted by a large-print brag that “Drivers Pay As Low As $29.32/Month for Car Insurance.” When I began filling in my vehicle information, the site offered to save me time by looking up the information for me—a frightening reminder of how much of our personal information is available online. The contact information fields were accompanied by text stating that “we respect your privacy” and “NO SPAM, privacy guaranteed.”
If you have a significant amount of financial assets, or regularly engage in activities that could lead to a liability claim being made against you, then umbrella protection is the best benefit to add to your coverage. It steps in when claims and payouts under all your other coverages are used up, such as your car insurance policy's liability coverage, but you still have more damages to pay. While infrequent, car pile-ups or severe accidents resulting in death are the types of incidents that could get covered by your umbrella policy. It's just a few dollars more, but can get you up to millions more in necessary protection when there's a lot to lose.
Unlike quote comparison sites, lead generation sites simply sell your information to their advertising partners—typically insurance companies. These sites are not built to provide you with personalized quotes and are not much help when trying to compare car insurance rates. Avoid these sites unless you’re eager to receive tons of cold calls from insurance phone banks and desperate agents.
Ameriprise was the winner of the J.D. Power study, scoring a 5/5 stars overall. They got top marks in their billing practices and in the flexibility of policies they offer to customers. They had slightly lower marks in their claims handling process (4/5) as well as their agents' interaction with customers. We could not get pricing for Ameriprise but the company is generally known for offering affordable and competitive rates.
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Results: Compare produced seven quotes ranging from $148 per month to $329 per month. The quotes were all from fairly obscure companies; I didn’t see any of the big-name providers. The site allowed me to customize coverage, but only by going back to the coverage selection part of the process—meaning that I had to wait for the quotes to re-load each time. It also didn’t allow as many customization options as Insurify. Only one of the quotes permitted online checkout; all the others required speaking on the phone with an agent. I did like that the quotes all let you choose between a pay-as-you-go policy (with a down payment) or a pay upfront policy (at a slight discount).
These sites often attract your interest with competitive rates, but then transfer you to a different site to continue shopping and complete your transaction, often at a far less attractive rate. This is because lead generations sites are paid to sell your information to an agency or insurance company, not to present you with the rates on car insurance.

Each insurance company evaluates personal factors in its own way, and they keep their methods as hidden as possible. So we can’t tell you which company puts high value in your occupation or emphasizes a clean driving history more than others. But to help you get going, we can show you a car insurance rate comparison for the same hypothetical driver and car, using average rates from across the country.
Progressive Home Advantage® policies are placed through Progressive Advantage Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PAA commission for policies sold. Prices, coverages, privacy policies, and PAA's commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. Click here for a list of the insurers or contact us for more information about PAA's commission. Discounts not available in all states and situations.
Everquote also provided checkboxes to opt out of receiving calls and emails from agents. However, under the “Show My Quotes” button, the usual legal boilerplate informed me that by clicking the above button I was providing express written consent to be contacted by Everquote and a whole laundry list of insurance companies and partners, whether or not my phone number was on the Do Not Call list.

Of our top auto insurers, State Farm has the fewest discounts. You won’t find any price breaks for young or elderly drivers, for being a loyal customer, nor for having a new car. Most of its discounts are safety related, like if you have airbags, anti-lock brakes, or enroll in a safe driving program. However, State Farm’s lack of discounts doesn’t mean your quote will be more expensive — just that you’ll have fewer opportunities to lower it.


Being in the business for a very long time, I have found that most people are clueless about insurance, even most agents who sell them. I will agree that their rates are cheap. But I wouldn’t recommend them. Inexperienced adjusters. They do not fully investigate. The policy does not cover like, kind, and quality which is bad if you have a new vehicle.
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