Personal Insurance in Bakersfield, CA
Personal Auto Insurance
Protect yourself and your vehicle from accidents, theft, and unexpected damage. Bakersfield drivers pay an average of $3,628 a year for full coverage and about $49 a month for basic liability.
Kern County’s roads see higher-than-average crash rates, so having the right protection matters. Customize your policy with add-ons like roadside assistance, uninsured motorist coverage, rental car reimbursement, and glass or gap protection.
Stay covered wherever you drive in Bakersfield.
Homeowners Insurance
Protect your home, belongings, and peace of mind from fire, theft, and unexpected disasters. The average cost of homeowners insurance in Bakersfield is around $1,200 per year, slightly below the California average.
With rising wildfire and flood risks in Kern County, adding extra coverage for earthquake, flood, or personal liability is smart protection. Get a policy that fits your home and your budget.
Renters Insurance
Protect your belongings from fire, theft, and unexpected damage. Renters in Bakersfield pay an average of $185 per year for coverage, lower than the California average. With rising apartment thefts and fire risks in Kern County, renters insurance is a smart, affordable way to safeguard what matters most.
Earthquake Insurance
California experiences thousands of earthquakes each year, and Bakersfield sits near several active fault lines. Standard homeowners and renters policies don’t cover quake damage. Earthquake insurance helps pay for repairs, personal property replacement, and temporary housing after a quake. Protect your home and finances from the next big shake.
Home Flood Insurance
Standard homeowners insurance doesn’t cover flood damage. With seasonal rains and nearby waterways like the Kern River, flood risk is real in Bakersfield. Flood insurance helps protect your home and belongings from rising water, sewer backup, and storm runoff.
Home Warranty
A home warranty protects against costly repairs on systems and appliances that break down from normal wear and tear. In Bakersfield’s hot climate, A/C and plumbing failures are common, making a home warranty a smart addition to your homeowner plan.
Mobile Phone Insurance
Protect your smartphone from drops, theft, and damage. Bakersfield residents rely on their phones daily, and repairs can cost hundreds. Mobile phone insurance offers affordable coverage and fast replacements when accidents happen.