Bakersfield has 411,986 residents in 129,625 households. We list 10 agencies for life insurance in Bakersfield. Here is what the local numbers say about the cover people here need.

Bakersfield at a glance

10life insurance agencies listed
39.4%of households rentRenters insurance
$371,700median home valueHome insurance
1990median year homes were builtRebuild cost calculator
7.4%of households have no carAuto insurance
3%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Kern County

FEMA rates the overall natural hazard risk in Kern County, where most Bakersfield agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

WildfireRelatively High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in Bakersfield
EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Bakersfield

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Insurance companies Bakersfield agencies work with

Of the 10 Bakersfield agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Blue Cross Blue Shield3 agencies
Travelers3 agencies
United Concordia Dental Plans of Texas,3 agencies
American Modern2 agencies
Centene2 agencies
Dearborn Life Insurance Company2 agencies
Medicare Advantage2 agencies
Metropolitan Life Insurance Company2 agencies
Mutual of Omaha2 agencies
National Pacific Dental,2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Bakersfield agencies are

Bakersfield agencies we list sit in 6 ZIP codes, mostly in Kern County.

933094 agencies
933012 agencies
933031 agency
933111 agency
933121 agency
933131 agency

Questions

Life insurance in Bakersfield

All insurance agencies in Bakersfield · Life insurance across California

Where can I find life insurance in Bakersfield?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Bakersfield agencies work with?

Among the 10 Bakersfield agencies whose appointments we hold, the companies they are most often appointed with are Blue Cross Blue Shield (3), Travelers (3), United Concordia Dental Plans of Texas, (3), American Modern (2), Centene (2). An appointed agency can quote that company's policies.

Do I need flood insurance in Bakersfield?

FEMA's National Risk Index rates inland flooding risk in Kern County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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