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93301 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 93301 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Bakersfield, CA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 93301.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 93301 and start shopping.

Quickly and Easily Compare Average Rates for 93301

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Bakersfield, CA home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 93301

Homeowners in Bakersfield are paying roughly $927 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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93301 Home Insurance Average Premiums

Local 93301 homeowners insurance quotes comparison

$677 /yr.

Shows Zip Code: 93301 lowest rates with discounts applied on average.

For the 93301, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$677 /yr.
Average Coverage:$927 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1227 /yr.

What is the average home insurance cost for a home in 93301?

  • • The average homeowners insurance premium paid annually for a home in 93301 is around $927 per year.

What does it cost on average per month for home insurance in 93301?

  • • Homeowners in 93301 pay a monthly average cost per month around $77.00.

What kind of discount could I get if I combine my home and auto insurance together in 93301?

  • • Autoowners in 93301 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Bakersfield area, check out other zip codes nearby 93301.
Review average rates in another zip code:
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93306 homeowners insurance rates

Home Replacement Cost Coverage in 93301

Average Building Cost Per Square Foot in 93301: $324

Location: Bakersfield, California (Kern County)

Average Square Footage in 93301: 588 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 93301 before you start any project. Bakersfield homeowners pay on average around $324 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 93301 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 93301 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 588 sq. ft. and the average cost to rebuild the home in this area is around $324 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Bakersfield area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$324588$190,600
Additional Upgrades & Added Features$405588$238,250
Major Home Updates or Advancements$486588$285,900

It's important to understand that when you estimate your replacement cost of your home in the 93301 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 93301

Best Home & Auto Insurance Agencies in 93301

Angelica Ramirez-Farmers Insurance

Address: 205 Chester Ave Bakersfield, CA 93301
Phone:
Website: http://www.farmersagent.com/aramirez1
Info:

Allstate Insurance Company - Henry Hernandez

Address: 1801 21st St Bakersfield, CA 93301
Phone:
Website: http://www.allstateagencies.com/070180?cid=OTC-YP.com-IYP&att=TL
Info:

State Farm Agent Roger Hess CLU LUTCF

Address: 2019 24th St Bakersfield, CA 93301
Phone:
Website: http://www.rogerhess.biz/
Info:

Allstate Insurance Company - Jay Squires

Address: 525 W Columbus St Bakersfield, CA 93301
Phone:
Website: http://www.allstateagencies.com/072569?cid=OTC-YP.com-IYP&att=TL
Info:

Gary Been-Farmers Insurance

Address: 2217 E St Bakersfield, CA 93301
Phone:
Website: http://www.insurebakersfield.net/
Info:

Housing Demographics for 93301

Population Review for 93301 Zip Code

For the city of Bakersfield, the population within 93301 has increased to over 13,936 residents in population size. The current population total is 14,518. We have broken down the population based on race below. In 93301, there are over 7022 in male population and 7496 females.

PopulationValues
Total Population14,518
White Population5898
Black Population1924
Hispanic Population6887
Asian Population407
Hawaiian Population27
Indian Population280
Other Population4002
Male Population7022
Female Population7496
Population Estimate13936

Household Data for 93301

The average number of homes in 93301 is around 5,701, there are an average of 2.42 per household. The average house value according to local real estate values is around $190,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,701
Persons Per Household2.42
Average House Value$190,600
Income Per Household$31992
Median Age32.6
Median Age Male31.8
Median Age Female33.4
93301 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code661/805
CityBakersfield
City Alias NameBAKERSFIELD
CountyKern
County FIPS029
State FIPS06
Time Zone8
Day Light SavingY
MSA0680
PMSA
CSA
CBSA12540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBakersfield-Delano, CA
MSA_NameBakersfield, CA MSA
PMSA_Name
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1358
Number Of Employees18631
Business First Quarter Payroll258764
Business Annual Payroll1134803
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population839631
CBSA Division Population0
Congressional District20|22
Congressional LandArea4874.22|1165.12
Delivery Residential5759
Delivery Business2019
Delivery Total15781
Preferred Last Line KeyZ20172
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ20172
Land Area4.285000
Water Area0.133000
City Alias Code
City Mixed CaseBakersfield
City Alias Mixed CaseBakersfield
Box Count0
SFDU2872
MFDU1884
State ANSI06
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number050462
Unique ZIP Name
SSA State County Code05140
Medicare CBSA Code12540
Medicare CBSA NameBakersfield, CA
Medicare CBSA TypeMetro
Market Rating Area ID14
County Mixed CaseKern

California Homeowners Insurance News & Information

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • 2023 – California’s recent storms – Is my home covered by insurance? Posted on Tuesday 10th January, 2023

    California has recently been hit by a shocking amount of punishing winter weather that has triggered flooding as well as mudslides across vast areas of the state. The weather has led to evacuation orders as well as damaged homes. Unfortunately, for many homeowners, the damage may not be covered by their homeowners insurance.   In most […]

  • 2022 Future Housing Market Preview by Fed Chairman Powell Posted on Friday 1st July, 2022

    Many of us are concerned about how the housing market will fare as interest rates head up and a looming recession takes hold. Will home values crash as they did during the Great Recession or will they simply stop rising and settle in at their current values.  While no one can predict the future, Fed […]