Bakersfield is the seat of Kern County and California's ninth-largest city, home to approximately 415,000 residents. The city sits at the southern end of the San Joaquin Valley and serves as a hub for California's oil and agriculture industries. Bakersfield offers some of California's most affordable auto insurance rates, making it an attractive option for budget-conscious drivers.
In 2026, the average Bakersfield driver pays approximately $1,600 per year for full coverage and around $480 per year for liability-only coverage.
Average Auto Insurance Rates in Bakersfield by ZIP Code (2026)
| ZIP Code | Area | Full Coverage / Year | Liability Only / Year |
|---|---|---|---|
| 93301 | Downtown Bakersfield | $1,800 | $540 |
| 93309 | Southwest Bakersfield | $1,650 | $495 |
| 93311 | Stockdale / West | $1,500 | $450 |
| 93312 | Northwest Bakersfield | $1,480 | $445 |
| 93307 | East Bakersfield | $1,900 | $570 |
Get Your Free Bakersfield Auto Insurance Quote
Sewell Insurance Agency serves all of Kern County and the Central Valley. Call (619) 821-4121 or get a free quote online today.