Auto Insurance in Bakersfield (93313)
California · Above Average · 54th percentile statewide
Carrier Rates in 93313
6-month premiums from SERFF rate filings. Standard driver profile.
How 93313 Compares
Bakersfield (93313) is above average for auto insurance in California, ranking in the 54th percentile.
The cheapest carrier is USAA at $532/6mo — 68% less than the most expensive (Allstate at $1,660).
The median premium of $922 is 1% above the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Bakersfield (93313)?
The median 6-month premium in Bakersfield (93313) is $922 across 9 carriers. Premiums range from $532 to $1,660, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 93313?
USAA offers the lowest rate in 93313 at $532/6mo. That's 68% less than the most expensive option (Allstate at $1,660/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance above average in 93313?
Auto insurance rates in Bakersfield (93313) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Bakersfield ranks in the 54th percentile statewide, meaning it's above 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 93313?
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.