🏠 Home insurance cost in Bakersfield, CA (2026)
Estimated average: $2,272 per year — -1% vs. the U.S. average of $2,300.
$2,272
Est. home insurance in Bakersfield
per year
$2,185
California average
$2,300
U.S. average
410,647
Population
Estimate your home insurance in Bakersfield
Bakersfield home insurance estimator
Estimated$1,431/year
Starts from the Bakersfield estimate. Get quotes to confirm your price.
Bakersfield home insurance FAQ
How much is home insurance in Bakersfield, CA?
The estimated average is $2,272 per year — above the state average (+4% vs. the California average of $2,185, and -1% vs. the U.S. average).
Is home insurance more expensive in Bakersfield than elsewhere in California?
Bakersfield has about 410,647 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Bakersfield?
Compare at least three quotes from insurers active in Bakersfield, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.