Car Insurance in Bakersfield, CA

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Car Insurance in Bakersfield

couple happy with car insurance bakersfieldWith a population that’s currently growing, Bakersfield is the ninth-largest city in California.2 To stay safe while you’re out on the roads, you’ll want the right car insurance coverages. With the AARP® Auto Insurance Program from The Hartford,1 you can customize your car insurance and qualify for discounts.
 

What Is the Basic Car Insurance Coverage in Bakersfield, CA?

driver of red car protected by auto insurance bakersfield caEvery state has different coverage requirements for drivers. Here are the state minimums for auto insurance coverage in Bakersfield, CA:
 
Although these are the minimum requirements, everyone’s car insurance coverage needs are different. With the AARP Auto Insurance Program from The Hartford, you can get affordable coverage tailored to your needs. We can make sure you’re covered if you’re in a car accident.
 

How Much Is Car Insurance in Bakersfield?

Our customers pay an average of $1,544 a year, or about $129 a month, for car insurance in California.‡‡‡ Wondering how to get the cheapest car insurance in Bakersfield? Everyone’s rate is different, but some factors that impact how much you’ll pay for car insurance include your:
 
  • Age
  • Driving record
  • Type of vehicle
  • Coverage limits
  • Deductible amounts
In Bakersfield, married drivers often pay less than single drivers. The age group that generally has the cheapest car insurance rates in Bakersfield are drivers in their 60s.3
 

AARP Member Discounts for Auto Insurance in Bakersfield

Drivers in Bakersfield who are AARP members can qualify for car insurance discounts and benefits including:
 
  • New Car Replacement:§§ If you total your new car, your policy will help pay to replace it with a new vehicle of the same make, model and equipment, without deduction for depreciation.
  • 24/7 Claim Service: You can reach our representatives at 800-243-5860 any time of the day to report a claim.
  • RecoverCare:§ With this benefit, we’ll give you up to $2,500 to pay for transportation, cooking, cleaning and other help you need after you’re injured from a car collision.
AARP members can also receive up to 10% off their car insurance premiums.
 

Learn More About Car Insurance in California

To learn more about car insurance in California, click the links below:
 
 
Last Updated: March 27, 2025
 
2 Bakersfield City, “Bakersfield Continues to Grow, Remains Ninth-Largest City in California.”
 
3 The Zebra, “How Much Does Car Insurance Cost in Bakersfield?”
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.

California Car Insurance

There’s more to know about car insurance in your state.
 
AARP® Auto Insurance
Quick Links
FAQs
For AARP® Members
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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