Bakersfield Insurance Rates:

Bakersfield, CA homeowners insurance is about $505 to $681, about $42-$56/month. Our exhaustive research shows customers can save upto $237 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
We had an insurance claim denied last year. lost everything in our home due to flood waters. we didn't have flood insurance (not in a flood zone) but the claim was denied to help replace what we lost. major bummer.
Progressive
My insurance company seems pretty straightforward and their prices are reasonable, not outstanding, but reasonable. i like their option plans as well.
Liberty Mutual
I like that I am able to log in to find out all my policy information on the website 24/7. I am able to see how much my policy costs and print off my policy copy very easily or access it easily when needed.
Old Republic Home Protection
The old republic is a terrible company that shouldn't be in business. i wish i had done a google search on customer reviews of the company prior to purchasing a home warranty from them. nine out of every ten reviews i read were negative, some sounded even worse than the situation i had with them.
Travelers
We have had a very good rapport with whoever we have needed to interact with in customer Service. They are knowledgeable and friendly.
State Farm
I don't use a customer service line for my contact needs with the company, I prefer to speak with our agent directly if I have the need.
State Farm
I have checked the premiums and coverage through other companies and state farm has the lowest premium for the coverage that I want.

Bakersfield, CA Homeowners Insurance By Home Value

Bakersfield, CA Home Value Total Homes % of Total Average Bakersfield, CA 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

Top Home Insurance Agents Near Bakersfield, CA

Home Insurance Company Near Bakersfield, CA Homeowners Insurance Agency Near Bakersfield, CA Address
NA El Dorado Insurance Agency Inc 4100 Easton Dr, Ste 2, Bakersfield, CA, 93309
Farmers Eric Fambrough 812 10th Ave, Delano, CA, 93215
Allstate Hero Singh 4831 Panama Ln Unit A1, Bakersfield, CA, 93313
Travelers Tolman & Wiker Insurance Services Llc 5001 California Avenue, Suite 150, Bakersfield, CA, 93309
Liberty Mutual Independent Walter Mortensen Insurance 8500 Stockdale Highway, Suite 200, Bakersfield, CA, 93311

Cost Of Homeowners Insurance By Street Near Bakersfield, CA

Streets in Bakersfield Area Homeowners Insurance Cost
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

Bakersfield, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Bakersfield$88 to $90
Oildale$88
Fuller Acres$86
Greenacres$89

Bakersfield, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Oildale CDP, California $74 $98 $147
Fuller Acres CDP, California $72 $96 $144
Greenacres CDP, California $74 $99 $148

Bakersfield, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Bakersfield, CA3.3%12.4%
Oildale3.38%15.15%
Fuller Acres5.38%18.96%
Greenacres3.21%9.96%

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

Average Cost Of Home Insurance By Company In Areas Nearby Bakersfield For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002507-15 YearsChubb/Federal705
15000025016-25 YearsMAPFRE Group740
15000025016-25 YearsMetropolitan Direct599
15000025026-40 YearsCentury National699
15000025041-70 YearsIDS Property Casualty899
1500005001-3 YearsCalifornia Capital356
15000050016-25 YearsFirst American Ins513
15000050016-25 YearsNationwide801
15000050026-40 YearsStillwater Ins Co736
15000050026-40 YearsUniversal North America653
15000050041-70 YearsQBE (Balboa)742
200000500NewGrange476
20000050041-70 YearsUSAA622
2500001000NewFirst American Ins468
25000010007-15 YearsUniversal North America657
250000100016-25 YearsNationwide1045
2500005001-3 YearsHomesite901
2500005004-6 YearsAmco854
2500005004-6 YearsSequoia (Personal Express)639
2500005007-15 YearsNationwide1105
25000050016-25 YearsBankers Standard1666

Bakersfield, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$1,800
Yearly Bakersfield Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,600$5,000
Net Savings to Bakersfield Home Owner from High Deductible Plan $600

Bakersfield, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Bakersfield, CA Home Replacement Value MORE than Home Value Bakersfield, CA Home Replacement Value LESS than Home Value
Replacement Value $251,000 $190,000
Insurance Premium based on Replacement Value $600 $450
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $36,000 Risk Exposure from Under Insuring Coverage is $25,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $100/year

Example Bakersfield Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAmica Mutual Insurance CompanyLiberty Mutual
Monthly Premium 3540106
Year Built 196819962014
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $125000-$150000$200000-$250000$400000-$500000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Bakersfield, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1968 230,000 Tile Roof 2,360 5 $5000 to $10,000 Deductible 30 1 Fiber-Cement Siding yes
1969 305,000 Wood Shake Roof 3,010 4 $500- $1000 Deductible 60 1 Fiber-Cement Siding No
1994 420,000 Composition Roof 4,490 5 $1000-$2500 Deductible 70 1 Fiber-Cement Siding yes
2007 180,000 Composition Roof 2,000 3 $5000 to $10,000 Deductible 220 7 Stone Siding yes
1979 230,000 Membrane Roof 2,400 3 $500- $1000 Deductible 600 10 Wood siding No
2007 210,000 Tile Roof 2,210 3 $500 Deductible 470 10 Fiber-Cement Siding yes
1964 255,000 Asphalt Shingles Roof 3,020 4 $1000-$2500 Deductible 460 7 Vinyl siding yes
1980 185,000 Slate Shingles Roof 2,200 4 $500 Deductible 330 8 Stucco siding No
2004 275,000 Metal Roof 2,770 5 $500- $1000 Deductible 700 10 Vinyl siding yes
1960 160,000 Composition Roof 1,490 3 $2500-$5000 Deductible 310 9 Wood siding No
2000 210,000 Membrane Roof 2,200 3 $5000 to $10,000 Deductible 150 5 Stone Siding yes
1995 375,000 Wood Shake Roof 2,560 4 $5000 to $10,000 Deductible 160 2 Brick siding No