Personal Auto Insurance in Bakersfield, CA

 Personal Auto Insurance protects you and your vehicle across Bakersfield and Kern County from accidents, theft, and unexpected damage. It covers your liability for injuries or property damage to others and can include comprehensive and collision protection for your own car.

The average cost of full-coverage auto insurance in Bakersfield is about $3,628 per year, while basic liability averages around $49 per month. These rates vary based on driving record, vehicle type, and coverage limits.

Kern County roads see higher-than-average accident rates. In 2024, Bakersfield recorded 44 fatal collisions and more than 1,800 non-fatal crashes, making proper coverage essential.

You can customize your policy with a range of add-ons to fit your needs, including:

• Roadside assistance for breakdowns or towing
   
• Uninsured and underinsured motorist protection to cover damages caused by drivers without enough insurance
   
• Rental car reimbursement while your vehicle is being repaired after a covered loss
   
• Glass coverage for windshield repair or replacement
   
• Medical payments coverage to help with hospital bills regardless of fault
   

With the right combination of coverage and add-ons, you can drive confidently knowing you’re protected on Bakersfield’s busy roads.