Auto Insurance in Bakersfield (93311)
California · Below Average · 46th percentile statewide
Carrier Rates in 93311
6-month premiums from SERFF rate filings. Standard driver profile.
How 93311 Compares
Bakersfield (93311) is below average for auto insurance in California, ranking in the 46th percentile.
The cheapest carrier is Mercury at $463/6mo — 73% less than the most expensive (Allstate at $1,712).
The median premium of $903 is 1% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Bakersfield (93311)?
The median 6-month premium in Bakersfield (93311) is $903 across 9 carriers. Premiums range from $463 to $1,712, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 93311?
Mercury offers the lowest rate in 93311 at $463/6mo. That's 73% less than the most expensive option (Allstate at $1,712/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 93311?
Auto insurance rates in Bakersfield (93311) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Bakersfield ranks in the 46th 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 93311?
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.