Driving your older Toyota around Bakersfield is going to cost you a bit more for car insurance theft coverage than the other guy with a newer Toyota in Sacramento. The reason is simple. Bakersfield, California has a higher car theft rate than Sacramento, as do the Toyotas. This unfortunate combination of facts greatly affects auto insurance premium rates.
According to a National Insurance Crime Bureau report released earlier last year, there were more than 7,000 car thefts in the Bakersfield metropolitan area in 2016, making it the highest rated area in the state for car thefts. Bakersfield tiered third in the country after Albuquerque, New Mexico, which took the number one spot, and Pueblo, Colorado, which came in next. The annual Hot Spots report studies automobile theft statistics from the National Crime Information Center for all of the nation’s most densely populated areas. The ranking takes factors such as population into account, which explains why an area such as Billings, Mont., which had 877 thefts, places much higher than Los Angeles, with 60,670 thefts.
There were other California metropolitan zones in the top 10 including Fresno, Modesto, Riverside-San Bernardino-Ontario, Merced, and San Francisco-Oakland-Hayward. Initial statistics show that 2016 car thefts across the nation went up 6.6% from 2015’s 707,758 thefts, but the number has considerably declined from 1991, the year there were 1.7 million thefts, a standing record. The reports say the best way to prevent car theft is plain common sense. The insurance bureau reported from 2013 to 2015, over 140,000 vehicles were stolen with the keys left inside.