Bakersfield Insurance Rates:

Bakersfield, CA home insurance is about $505 to $681, about $42-$56/month. Our exhaustive research shows customers can save upto $237 by getting different quotes

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Bakersfield Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $330/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 2200 sqft Primary Residence Constructed In 1980 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $700/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $275,000

5 Beds, 5 Baths 2770 sqft Primary Residence Constructed In 2004 with Wood Flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fireplace, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $310/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Baths 1490 sqft Rental Property Constructed In 1960 with Carpet Flooring, Composition Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $150/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Baths 2200 sqft Vacation Property Constructed In 2000 with Wood Flooring, Membrane Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $160/2 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $375,000

4 Beds, 4 Baths 2560 sqft Rental Property Constructed In 1995 with Wood Flooring, Wood Shake Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

Bakersfield, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
93311 $249,400 $610
93308 $177,800 $600
93313 $173,700 $600
93309 $169,200 $600
93301 $166,700 $600
93306 $161,600 $590
93307 $118,400 $590
93304 $111,600 $590

Bakersfield Rates & Quotes Analysis:

Bakersfield Area Estimated House Insurance
Sunland Ave, Deercreek Ln, Harless St, W China Grade Lp, Rancho Verde Dr, Iron Oak Dr, Gambel Oak Way, Dorva Ave, Autumn Crest Dr, Peachwood Ct$592
Tea Tree Ct, la Dorita St, Brush Creek Ave, la Cresta Dr, Dobrusky Dr, Letzring Ln, Grizzly St, Sunny Glen Ct, Bayberry Way, Belle Ave$581
Hillside Dr, Pretoria Pl, Palm St, Glacier Canyon Ct, Rio Linda Dr, Shanley Ct, Montaro Ct, Armour Ave, Melbourne Ln, Castleton St$587
Crestmont Dr, Bus Park S, Plute Pass St, Sonya Ct, Redwood Meadow Dr, Cantleberry Ln, Alta Vista Dr, E 3rd St, Violet Rose Ct, Bama Rose Ct$593
Conrad Ln, Barbados Ave, Pentz St, Everett Way, Reynard Rd, Tretorn Ave, Sharktooth Peak Dr, Jeffrey St, Deanna Way, Jessie St$598
del Amo Way, Columbine St, Fiesta Ave, Simpson Rd, Callie Dr, Maranatha Rd, Cherry St, Savory Ln, San Angelo Way, Morningstar Ave$582
Playa del Sol Ct, Cramer St, Poinsetta St, Merriweather Dr, McBride Pl, Malibu Ct, Single Oak Dr, S N St, E Commerce Center Dr, Hesketh Dr$596
Pine Castle Ave, Vassar St, Cartagena Ave, Summer Villa Dr, Beckenham Pkwy, Jet Way, Rockaway Beach Ct, Garnsey Ln, Wigan Pl, Kendall Way$594
Marseilles Ct, Magic Ave, Spring Flower Way, Barrington St, Rio Bravo Dr, Harpenden Ave, Delburn St, Portal Ave, Raider Dr, Pine Knob Ln$598
Maurice Ave, Anacostia Way, Summerset Way, Oildale Dr, Grissom St, Hollins St, Box Meadow Ave, Westwold Dr, Auaray St, Cliffside St$612

Insurance rates are influenced by a number of factors including:

  • Year Built: 25,913 Homes (18% of total homes ) built between 1970 to 1979 in Bakersfield are paying home insurance between $961-$970. Places close to Bakersfield, CA such as Rosedale, Keene, Bear Valley Springs are more expensive by $26, $66, $42 respectively while Fuller Acres and Lamont are cheaper by $24 and $15 respectively for similar homes.
  • Bedrooms: 19,221 4 bedrooms homes (14% of total homes ) in Bakersfield are paying about $368. Areas near to Bakersfield such as Fuller Acres, Rosedale, Greenfield-Panama are costlier by $8, $10, $4 respectively whereas Lamont and Weedpatch are more economical by $5, $8 respectively for similar homes.
  • Auto Insurance Bundling: 18,598 Households (27% of all households) in Bakersfield have 3 or more vehicles available and when it is bundled with home insurance you can save $148. Discounts for similar bundling in close by locations such as Oildale, Fuller Acres, Greenacres come to $147, $144, $148 respectively.
  • Senior Discounts: 31,775 seniors (more than 55 years) occupied housing units (46% of total) in Bakersfield get discounts between $88 to $90 compared to Oildale ($88), Fuller Acres ($86), Greenacres ($89).
  • New Homes discounts: New homes such as the 53,143 homes built between 2000 to 2009 in Bakersfield can save $118 and differs from Oildale ($117), Fuller Acres ($115), Greenacres ($119).

Bakersfield Homeowners insurance Facts

  • Bakersfield, CA has 67,684 owner occupied houses which is 53.5% of all units whereas Oildale, Fuller Acres and Greenacres have 47.49%, 50.0% and 80.85% respectively.
  • Bakersfield, CA homeowners yearly insurance price at $593 is 0.37% of the typical house value of $161,000 which is in contrast with 0.43% in Oildale, 0.91% at Fuller Acres & 0.34% in Greenacres.
  • Homeowners in Bakersfield, CA pay 0.79% of their income ($75,000 or more) in insurance whereas homeowners in Oildale, Greenacres and Lamont pay 0.79%, 0.79% and 0.78% respectively.
  • Bakersfield, CA’s insurance is 3.3% of monthly housing costs of $1,507/month, for owners with a mortgage compared to 3.38% in Oildale, 5.38% at Fuller Acres & 3.21% in Greenacres. But, for households without a mortgage, insurance is 12.4% of costs ($400 in Bakersfield, CA) in contrast with 15.15% in Oildale, 18.96% at Fuller Acres & 9.96% in Greenacres.

Bakersfield, CA Home Values & Insurance rates

For example, insurance for 3,032 Homes (4.0% of total homes ) valued between $80,000 to $89,999 in Bakersfield, CA is about $308. Rates in nearby areas in such as Dustin Acres, Stallion Springs, Tehachapi are cheaper by $23, $102, $91 respectively while Oildale and Lamont are costlier by $51 and $159 respectively for similar homes.

Bakersfield, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 4,962 7.0% $88
$50,000 to $59,999 1,217 1.0% $189
$60,000 to $69,999 2,352 3.0% $237
$70,000 to $79,999 2,130 3.0% $272
$80,000 to $89,999 3,032 4.0% $308
$90,000 to $99,999 2,670 4.0% $349
$100,000 to $124,999 7,276 11.0% $403
$125,000 to $149,999 6,671 10.0% $504
$150,000 to $174,999 8,032 12.0% $593
$175,000 to $199,999 5,574 8.0% $687
$200,000 to $249,999 8,955 14.0% $830
$250,000 to $299,999 5,761 9.0% $1014
$300,000 to $399,999 4,761 7.0% $1286

Renters Insurance in Bakersfield

  • Average Renters Insurance in Bakersfield :  $215($17/month)

  • Median Gross Rent in Bakersfield :  $881

  • Bakersfield Renters Insurance to Median Rent Ratio:  1.93%

  • Renter occupied housing units in Bakersfield :  58,724

Bakersfield Renters Insurance as a Percentage of Rent

Bakersfield Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 902 1.0% $803
$300 to $499 3,370 5.0% $1253
$500 to $749 14,800 25.0% $1928
$750 to $999 16,799 29.0% $2678
$1,000 to $1,499 16,036 27.0% $3803
$1,500 or more 4,978 8.0% $5453

Rent Affordability in Bakersfield:

Approximately 52.0% (30,816) of households are spending more than 35% of their income on gross rent in Bakersfield

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 5,862 9.0%
15.0 to 19.9 percent 5,986 10.0%
20.0 to 24.9 percent 5,617 9.0%
25.0 to 29.9 percent 5,344 9.0%
30.0 to 34.9 percent 5,099 8.0%
35.0 percent or more 30,816 52.0%

Bakersfield Renters Insurance Discounts:

Bakersfield Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Bakersfield, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 26,162 44.0% $21.5
2 vehicles available 17,097 29.0% $32.25
3 or more vehicles available 5,249 8.0% $43.0

Bakersfield Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 3,788 6.0% $88
60 to 64 years 2,699 4.0% $70
65 to 74 years 2,786 4.0% $57
75 years and over 2,394 4.0% $44

Protective device discount in Bakersfield Up to :  $32

Claims-free discount in Bakersfield Up to :  $43