Auto Insurance in Bakersfield (93306)
California · Below Average · 35th percentile statewide
Carrier Rates in 93306
6-month premiums from SERFF rate filings. Standard driver profile.
How 93306 Compares
Bakersfield (93306) is below average for auto insurance in California, ranking in the 35th percentile.
The cheapest carrier is USAA at $523/6mo — 69% less than the most expensive (State Farm at $1,678).
The median premium of $876 is 4% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Bakersfield (93306)?
The median 6-month premium in Bakersfield (93306) is $876 across 9 carriers. Premiums range from $523 to $1,678, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 93306?
USAA offers the lowest rate in 93306 at $523/6mo. That's 69% less than the most expensive option (State Farm at $1,678/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 93306?
Auto insurance rates in Bakersfield (93306) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Bakersfield ranks in the 35th percentile statewide, meaning it's below average compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 93306?
Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.