Car Insurance Quotes Bakersfield
Car Insurance Quotes Bakersfield
In Bakersfield, car insurance costs vary based on several factors, including coverage type, age, driving history, and location. The average annual cost for full coverage car insurance in Bakersfield is $2,885, which translates to about $240 per month. For minimum coverage, the average annual cost is $680. These figures indicate that Bakersfield’s full coverage rates are approximately 6% lower than the California state average but 8% higher than the national average. However, these are just averages, and individual rates can differ significantly based on personal circumstances. with minimum coverage at $1,103 per year and full coverage at $4,099 per year, an average six-month policy costs $939, or $157 per month. It’s good to compare quotes from multiple insurers to find the best possible rate.
The cost of car insurance in Bakersfield is influenced by the city’s high car theft rates and its role as a transportation hub, which increases the risk of accidents. These factors can lead to higher premiums compared to other areas with lower risk profiles. Despite these challenges, Bakersfield’s rates are still lower than those in many other California cities, making it important for drivers to search and compare quotes.
Age is a significant determinant of car insurance rates in Bakersfield. Teenagers face the highest premiums due to their inexperience and higher accident rates. According to Freeway Insurance, teenagers in Bakersfield pay an average car insurance rate of $7,186 annually. The Zebra reports that Bakersfield residents see an astounding $2,448 difference per year when comparing rates for teens with those for people in their 20s. Bankrate estimates that 18-year-olds in Bakersfield pay an average of $7,600 per year for full coverage while being added to their parent’s policy averages just $5,878.
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How much is car insurance in Bakersfield, California?
The average cost of car insurance in Bakersfield is $2,885 per year or $240 per month for full coverage, while the state average is $245. In Bakersfield, the average annual cost of minimum coverage is $57.
In Bakersfield, full coverage car insurance typically costs 8% more than the national average and 6% less than the California state average. However, keep in mind that the real cost of car insurance is dependent not only on your precise location but also on the vehicle you drive, your driving history, and past infractions.
What Is the Average Car Insurance Cost in Bakersfield by Age
When determining the annual or monthly rate for car insurance in Bakersfield, age is perhaps the most important factor. How much you pay for premiums for car insurance for teenagers is extremely high, dropping significantly once a driver reaches their 20s, then remaining the same until they reach their 70s, and increasing again after 70 years.
Age Average Car Insurance Rate
Teenagers………$7,186
20s………………..$2,636
30s………………..$1,817
40s………………..$1,765
50s………………..$1,678
60s………………..$1,678
70s………………..$1,932
Minimum Car Insurance Requirements in Bakersfield
There are minimum requirements for liability insurance in every state. Drivers may face penalties in the form of fines if they overlook these criteria. It’s dangerous to drive without insurance since you can be held liable for the harm you cause to another driver in the event of an accident. The following are Bakersfield’s minimal requirements for car insurance:
- Bodily injury liability coverage: $30,000 per person and $60,000 per accident
- Property damage liability coverage: $15,000
Factors Allowed in Bakersfield Car Insurance Rates
When determining premium rates, car insurance companies may consider many factors. The cost of car insurance in Bakersfield may differ between two people who live close to one another because of how diverse these factors can be. Some of the elements that can affect your insurance rates include:
- Age. Your age is one of the most important factors. As you get older, your rates will generally fall.
- Driving History. One of the main determinants of the potential cost of your coverage is your prior driving history. From accidents to tickets, your premium could increase due to accidents. DUI insurance in California is especially costly.
- Zip Code. The zip code you live in will also determine your premium amount. You could pay more if there are a high number of accidents in your area.
How much is car insurance in Bakersfield for teenagers?
Teen in Bakersfield pay $403 a month, or more than $2,418 for a six-month policy. We advise that teenage drivers be added to a parent’s or guardian’s policy to keep prices lower, as adult driver’s car insurance is high. For additional information click here
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