Updated: December 13, 2024
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Allstate offers the best overall and cheapest home insurance in Bakersfield, California. For excellent customer service, Chubb is a strong choice.
Your decision should reflect your priorities, such as affordability, customer service or coverage options.
Best HomeInsuranceBakersfield, CATable of Contents
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Bakersfield.
Home insurance premiums in Bakersfield represent the most competitive rates as of September 2024.
Allstate is Bakersfield, CA's best option for home insurance with $100K dwelling coverage, with a MoneyGeek score of 83 out of 100.
The scores for home insurance companies in Bakersfield range from 45 to 83, reflecting differences based on factors like credit history and home age.
| Allstate | 83 | $348 |
| Chubb | 77 | $591 |
| Farmers | 73 | $480 |
| Travelers | 68 | $582 |
| State Farm | 61 | $684 |
| Nationwide | 54 | $749 |
| Capital Insurance Group | 45 | $622 |
Allstate offers the best home insurance for 100K dwelling coverage in Bakersfield, CA. It stands out for its affordability and strong customer satisfaction, which are key factors in its high score. The overall top providers are:
While cost is important, consider customer service and claims handling, as these are crucial when you need support.
Allstate is a top choice for home insurance, offering affordability, strong customer satisfaction and comprehensive coverage. Key coverages include cyber event/ID theft, which helps recover stolen data, and backup of sewer or drain, which covers water damage from drainage issues. Home rental coverage protects belongings when renting out your home. Other add-ons include home business property and energy efficiency upgrade coverages.
Discounts, such as responsible payment for a good payment history and continuously insured for switching to Allstate, help reduce costs.
Chubb provides the best customer service in home insurance for $100K dwelling coverage in Bakersfield, CA. The top providers in this category are:
Chubb stands out for its superb customer satisfaction, delivering attentive service for a smooth experience. Excellent home insurance service means responding to customer needs with efficient and helpful support.
Chubb leads in service quality with high customer satisfaction and coverage scores. It offers comprehensive home insurance, including guaranteed replacement cost coverage, ensuring your home is rebuilt even if expenses exceed policy limits. Building ordinance or law coverage pays for upgrades to meet current codes after a loss. Cash settlement coverage lets you opt for a payout instead of rebuilding.
Discounts, such as new home (for properties 10 years old or less) and home renovation, help lower costs.
Allstate is the best cheap home insurance option for $100K dwelling coverage in Bakersfield, CA. It stands out for its high affordability and customer satisfaction scores. The top budget-friendly providers for this coverage amount are:
If saving on premiums is a priority, consider the cheapest homeowner insurance companies. However, more affordable home insurance often means lower coverage, which may save money but not fully cover an accident. The best cheap insurance combines affordability with quality service, beyond just offering the lowest price.
Allstate scores high for affordability and customer satisfaction, making it a strong choice for home insurance. It offers add-ons like cyber event/ID theft and backup of sewer or drain for comprehensive coverage. Allstate’s coverage also includes home business property, energy efficiency upgrade, and yard and garden, boosting protection for your home and belongings.
You can save with discounts such as for bundling policies (up to 25% for bundling home and auto policies) and making timely payments.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 21, 2024
Several factors, such as location, affect homeowners insurance costs in Bakersfield. While comparing rates can save money, comparing multiple options can take up to 15 minutes per company and over an hour. Use MoneyGeek's home insurance calculator to save time. Enter details like age, dwelling coverage, credit score, deductible, liability coverage and a few other factors for a quick estimate.
Allstate is the most affordable home insurance option in Bakersfield, CA. Here are the cheapest overall providers:
A critical factor that drives premiums is the dwelling coverage you choose. Allstate earns the highest MoneyGeek scores for $100K, $250K and $500K coverages, making it the cheapest overall.
Getting the most affordable homeowners insurance in California can help manage your finances by lowering yearly expenses while securing your property.
| Allstate | $348 |
| Farmers | $480 |
| Travelers | $582 |
| Chubb | $591 |
| Capital Insurance Group | $622 |
| State Farm | $684 |
| Nationwide | $749 |
Allstate is the cheapest option for high-value homes in Bakersfield, CA, with an average annual premium of $1,725 for $750K dwelling coverage. High dwelling coverage is necessary for properties that cost more to replace, and home insurance costs vary based on several factors.
Allstate stands out in Bakersfield for its affordability. However, the low price may not always mean it's the best, as coverage quality and customer service also play a crucial role.
| Allstate | $1,725 |
| Capital Insurance Group | $2,610 |
| Travelers | $2,838 |
| Chubb | $3,326 |
| State Farm | $3,328 |
| Nationwide | $3,819 |
| Farmers | $4,997 |
In Bakersfield, CA, Farmers is the cheapest option for new homes requiring $100K in dwelling coverage.
While Farmers offers the cheapest annual rates, it may not be the best choice overall. Be sure to get adequate coverage.
| Farmers | $228 |
| Allstate | $268 |
| Nationwide | $307 |
| Travelers | $318 |
| State Farm | $342 |
| Capital Insurance Group | $405 |
| Chubb | $484 |
The best cheap homeowners insurance depends on your needs. Consider factors like coverage limits, deductibles and customer reviews. Follow these steps to get the best affordable home insurance:
Determine how much home insurance coverage you need by considering rebuilding costs, personal property value and liability requirements.
Look into insurance companies in Bakersfield, CA. Prioritize those with sound financial health, positive customer feedback and a solid service record.
After identifying necessary coverages, compare home insurance quotes. In Bakersfield, CA, average annual premiums for $100K dwelling coverage range from $348 with Allstate to $749 with Nationwide.
Inquire about discounts with each insurer, such as for bundling policies, having safety installations or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium. Ensure it's an amount you can afford to pay if needed.
Enhancing home security with systems and sturdy locks can lower your home's risk profile and potentially decrease insurance costs.
A good credit score can influence your insurance rates. Improve your score by paying bills promptly and lowering outstanding debt.
Consider bundling your homeowners insurance with other policies, like auto insurance, to save significantly.
The best cheap home insurance provider for you ultimately depends on how much coverage you need and how much you can spend. Get answers to some common questions about the best cheap insurance rates in Bakersfield, CA.
The average cost of home insurance in Bakersfield, California, is $456.
The cheapest home insurance company in Bakersfield, California, is Allstate, with an average annual premium of $348.
Allstate has the best home insurance in California for Bakersfield residents, with a MoneyGeek score of 83 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
