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Best Homeowners Insurance in Bakersfield, CA

June 27, 2019, 2:32 p.m.

Home insurance is essential. It provides financial protection in case your home is damaged by fire, windstorm, lightning strike or other peril. It also pays for losses if your belongings are stolen or damaged. And it protects you in case a guest is injured on your property. There are many factors that go into rates, like where you live and the value of your home. Our partners at ConsumerAffairs researched the best homeowners insurance in Bakersfield to help you find a company and the coverage you need.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. 23 ABC may receive compensation from our partners. Learn more.

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#1
MOST POPULAR
Progressive

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(800) 876-5581
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#1 MOST POPULAR
Progressive
Progressive
Features
  • Covers other structures on your property
  • Alarm system discounts
  • HomeQuote explorer
  • Available in Bakersfield
Read More
Location
1601 New Stine Rd., Ste. 100
Bakersfield, CA 93309
(888) 784-3525
#2
GEICO
GEICO
Features
  • Free online quotes
  • Liability coverage
  • Military discount
  • Available in Bakersfield
Read More
Location
2720 Calloway Dr., Ste. E
Bakersfield, CA 93312
(800) 241-8098
#3
State Farm
State Farm
Features
  • Home inventory tools
  • Weather coverage
  • Roofing discounts
  • Available in Bakersfield
Read More
Location
915 17th St.
Bakersfield, CA 93301
(661) 324-8700
#4
Stockdale Insurance Agency
Stockdale Insurance Agency
Features
  • Independent agency since 1979
  • Service available in Spanish
  • One of the largest firms in San Joaquin Valley
  • Earthquake & flood insurance
Read More
Location
1675 Chester Ave., Ste. 310
Bakersfield, CA 93301
(661) 327-3321
#5
Clifford & Bradford Insurance Agency
Clifford & Bradford Insurance Agency
Features
  • Provide a range of coverage options
  • Customer service calls answered in person
  • Based in Bakersfield
  • Independently owned
Read More
Location
1800 19th St.
Bakersfield, CA 93301
(661) 283-8100
Hay Insurance Agency, Inc.
Hay Insurance Agency, Inc.
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • hayins.com
Location
4921 Calloway Dr., Ste. 101
Bakersfield, CA 93312
(661) 829-8933
William K Lyons Agency Inc.
William K Lyons Agency Inc.
Features
  • M-F: 9am - 4:30pm
  • Closed Sat and Sun
  • wmklyons.com
Location
2100 F St., Ste. 200
Bakersfield, CA 93301
(661) 327-9731
Omega Financial and Insurance Services
Omega Financial and Insurance Services
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • quoteomega.com
Location
400 H St.
Bakersfield, CA 93304
(661) 326-6870
Crosby and Crosby Insurance Services
Crosby and Crosby Insurance Services
Features
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • crosbyandcrosby.com
Location
111 H St.
Bakersfield, CA 93304
(661) 327-5531
Charpentier Insurance Company
Charpentier Insurance Company
Features
  • M-F: 9am - 6pm
  • Sat 9am - 5pm
  • Closed Sun
  • charpentierinsurance.com
Location
525 H St.
Bakersfield, CA 93304
(239) 995-1333

How to choose homeowners insurance in Bakersfield

Bakersfield skyline

Homeowners insurance is divided into several different components. The three main types of coverage include:

  • Dwelling, which covers the structure of home if it is damaged by a covered “peril.” These usually include fire and smoke, lightning strikes, windstorms, hail, explosions, vandalism, snow and ice, falling objects and damage from an aircraft or automobile.
  • Personal property, which covers things you own, like clothing, furniture and electronics. If items are stolen or damaged, a policy will pay for replacements or actual cash value.
  • Liability, which will cover things like medical bills if you are legally responsible for a guest’s injury at your home.

Homeowners can also get additional coverages, such as for detached structures on the property or for emergency living expenses if a home is no longer able to be occupied.

In Bakersfield, homeowners insurance is not required, but mortgage companies usually require purchasing coverage while the borrower is making payments.

How much does homeowners insurance in Bakersfield cost?

In Bakersfield, many homeowners pay less than the average Californian and the average American. Cost is partly a function of where in Bakersfield you live. Policies in areas around Lamont and Shafter tend to be cheapest, while properties downtown and in South Bakersfield are more expensive to insure. For $200,000 dwelling coverage with a $1,000 deductible and $100,000 liability coverage, annual costs are between $800 and $850.

Average home insurance rates in Bakersfield

Area Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
Downtown Bakersfield (93301) $843 $1,669 $2,569
Northeast Bakersfield (93305) $824 $1,636 $2,521
Southeast/South Bakersfield (93313) $840 $1,661 $2,557
Lamont (93241) $814 $1,609 $2,457
Rosedale (93314) $827 $1,638 $2,521
Shafter (93263) $807 $1,593 $2,434
Oildale (93308) $834 $1,652 $2,547
Note: Based on dwelling coverage above with a constant $1,000 deductible and $100,000 liability.

Many factors determine the cost of homeowners insurance in Bakersfield. Apart from the amount of coverage you purchase and the deductible you set, other variables are the location of your home, crime rates, the condition and building materials of the property, frequency of claims and credit score.

When shopping for a homeowners insurance policy, be aware of the many available discounts. Most insurance companies offer savings opportunities, whether it’s for having multiple policies, being a new home purchaser, installing safety features or renewing a poilcy.

Residents in Southern California also need to consider protecting their properties from earthquakes, which is not a standard coverage. Insurers in the state are required to offer earthquake coverage for an additional cost. California Earthquake Authority policies are available through many residential insurers.

Kern County also is subject to flooding, another peril not covered in standard homeowners insurance. For information about flood insurance, homeowners can refer to the federal National Flood Insurance Program.

Though damage resulting from fire is generally covered, California residents should be aware of higher premiums for homes in wildfire-prone areas.

Progressive

Progressive

Progressive offers homeowners insurance through two dozen local agents in Bakersfield. Customers can use the company’s HomeQuote Explorer tool to compare rates and coverages from multiple companies. Multiple discounts are available, including for bundling homeowners insurance with auto coverage. Though many reviewers are satisfied with their Progressive coverage, some are unhappy with premium increases.

GEICO

GEICO

GEICO is a nationwide insurance provider with a local agent in Bakersfield. In addition to offering multi-policy savings, the company offers discounts for having smoke alarms and home security systems. Reviewers in Bakersfield experienced friendly service and good savings with the local agent. Some policyholders report trouble with claims and follow-up.

State Farm

State Farm

State Farm provides insurance for customers across the U.S. and has a number of representatives in the Bakersfield area. Customers get discounts for having both home and auto coverage, for installing alarm and detection systems and for using certain roofing products. Local State Farm agents receive excellent reviews from Bakersfield clients, but some reviewers have experienced poor communication with the company and difficulty with claims.

Stockdale Insurance Agency

Stockdale Insurance Agency

Stockdale Insurance Agency is a local insurance broker that works with multiple carriers to get customers the best homeowners insurance coverage. The agency has been an independent resource for Bakersfield residents since 1979. Customers can fill out information about their home online to receive a quote. Reviewers appreciate the helpful and knowledgeable agents.

Clifford & Bradford Insurance Agency

Clifford & Bradford Insurance Agency

Clifford & Bradford, based in Bakersfield, works with the top insurance companies in the U.S. to find solutions for clients. The agency has “big agency power, small agency feel,” with expert agents and an in-house claims department. Customers in Bakersfield appreciate the policy options available through Clifford & Bradford, which has an A+ rating from the Better Business Bureau.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.