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

I would recommend them just because of the way they handle themselves and they are always quick to answer, get back to you, and I have never had any trouble with a claim or anything.
I would recommend this company because they are easy to contact and all of the customer service personnel have been extremely nice and helpful. They also have great prices and discounts.
No issues with MetLife thus far. Every time I've called customer service, they have been super supportive and knowledgeable. I think we've only had one claim in the past 13 years that we've had them.
State Farm
Farmer's Insurance
I would recommended this company because they also still offer you a refund for every year you have not had to report an incident. I know a lot of other companies are doing away with this too.
I would recommend my carrier if they are a good fit for your budget. Service has been fine so far, but I've not had to file a claim.
Mapfre Insurance
They are alright. They paid us promptly when we had a flood and they have covered other damage. They are expensive though and I hate paying for insurance.
Farmer's Insurance
The premium of my home insurance is fair and makes sense for the coverages I have to protect my home. I think I am paying a fair premium for my insurance.
Farmer's Insurance
insurance companies are require to notify homeowners in advance of when they plan to cancel a policy. the average cost of homeowners 1173
Farmer's Insurance
I would definitely recommend Farmers Insurance to any of my friends who are looking to get great quality and great value.
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.
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.
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.
State Farm
State Farm
I find that the only time interaction meaningful is when you are nearing your renewal period.
State Farm
in this insurance company we didn't get proper response and return money when home get damage
Honestly, their interaction is pretty standard, compared to other companies' customer service, and because GEICO advertises their company in commercials, which most companies do, but GEICO had a way of keeping people connected, like with their mascot, the GEICO gecko, who's a cute fellow.
They've been very good at both emailing and mailing information on any changes that are being made as well as any necessary documentation.
State Farm
We like that they are friendly to us. They also got us money after we were hit by another car and we didn't even know there was money coming to us.
The Hartford
They seem to have integrity, but when doing research online, they seem to be getting VERY bad reviews from past customers, and those who have had to submit claims. Very disturbing, in case we ever have to file a claim!
Good customer service, easy to contact, website is user friendly, phone app is good, claims processed fast and with ease.
State Farm
I would recommend State Farm. They are always friendly and seem knowledgeable. I feel they would be responsive if I ever did need to file a claim.
I like the app, the communication, and the customer services, it is really close to my house and for me is affordable too.
Farmer's Insurance
their offers are pretty fair. it not like that you can use less money to have better services, but what they offered is worth the money.
Amica Mutual Insurance
I would recommend this company because they do a pretty good job. I haven't needed to file a claim, so I have no idea how well they would work in a pinch.
I am happy with my insurance provider as they offer lower prices, an opportunity to track my driving habits which should lead to savings down the road. Also, like the usefulness of their app where I primarily interact with them.
They didn't push me into buying any specific plans, or pushed me to select certain add-ons. The price points are affordable and i know that if my items are damaged or stolen i will receive replacement value.

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

Bakersfield, CA Home Insurance Agents for Top Companies

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
Fuller Acres$86

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%
Fuller Acres5.38%18.96%

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
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
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
2012 225,000 Shingles Roof 2,440 5 $5000 to $10,000 Deductible 320 9 Fiber-Cement Siding yes
1969 200,000 Shingles Roof 1,860 3 $500- $1000 Deductible 580 12 Stucco siding No
1990 180,000 Slate Shingles Roof 2,340 3 $2500-$5000 Deductible 170 5 Wood siding yes
1971 150,000 Wood Shake Roof 1,850 3 $1000-$2500 Deductible 230 8 Brick siding yes
2002 240,000 Shingles Roof 2,180 3 $5000 to $10,000 Deductible 90 2 Fiber-Cement Siding No
2007 470,000 Wood Shake Roof 4,210 5 $500- $1000 Deductible 250 3 Brick siding yes
1985 185,000 Tile Roof 1,890 4 $5000 to $10,000 Deductible 310 8 Stone Siding No
2005 205,000 Tile Roof 2,260 4 $2500-$5000 Deductible 60 2 Wood siding No
1984 335,000 Wood Shake Roof 3,110 4 > $10,000 Deductible 120 3 Brick siding yes
1992 250,000 Asphalt Shingles Roof 2,380 3 $500 Deductible 50 1 Wood siding yes
1975 165,000 Asphalt Shingles Roof 1,640 3 $1000-$2500 Deductible 230 6 Vinyl siding yes
1989 185,000 Tile Roof 2,160 5 $1000-$2500 Deductible 160 4 Stucco siding yes
2002 320,000 Metal Roof 4,170 5 $500 Deductible 930 9 Wood siding yes
1981 210,000 Slate Shingles Roof 1,980 3 $2500-$5000 Deductible 260 9 Stucco siding No
2004 205,000 Wood Shake Roof 2,120 4 $500- $1000 Deductible 60 1 Stone Siding No
1962 220,000 Asphalt Shingles Roof 2,460 4 $500 Deductible 560 10 Vinyl siding No
1967 130,000 Metal Roof 1,460 3 $500- $1000 Deductible 250 6 Fiber-Cement Siding yes
1964 170,000 Tile Roof 1,920 3 $500 Deductible 60 2 Stucco siding yes
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

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