What Auto Insurance is Cheapest for a Honda Civic in Bakersfield?

Finding cheap coverage for a Honda Civic in California doesn’t take a ton of time, but it depends on a complicated formula that considers factors such as how old the vehicle is, your occupation, and any past driving violations you may have had. Drivers in California will pay on average $1,618 per year for Civic insurance, but that figure is calculated using a 50-year-old single female driver with both comprehensive and collision coverage and $250 deductibles.

If we were betting, you are not 50 and maybe not even a female, married instead of single, and maybe your Civic is older and does not require full coverage. Even a minor change in policy rating criteria or coverages could end up in a significant change in the amount insurance costs for a Honda Civic.

Each driver’s needs are different, and that demonstrates why the way we recommend to find cheap insurance rates for your Honda is to compare as many rates as you can.

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The trim level of your vehicle has an effect on the cost of insurance, so the rate you pay to insure a Civic DX 4-Dr Sedan will be $544 less than the cost to insure the high end Civic SI 2-Dr Coupe trim level, as demonstrated by the prices below.

Honda Civic Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $256 $564 $500 $30 $150 $1,500 $125
Civic VP 4-Dr Sedan $256 $664 $500 $30 $150 $1,600 $133
Civic LX 4-Dr Sedan $256 $664 $500 $30 $150 $1,600 $133
Civic DX 2-Dr Coupe $256 $664 $624 $36 $186 $1,766 $147
Civic EX 4-Dr Sedan $256 $664 $500 $30 $150 $1,600 $133
Civic LX-S 4-Dr Sedan $256 $664 $500 $30 $150 $1,600 $133
Civic LX 2-Dr Coupe $256 $764 $624 $36 $186 $1,866 $156
Civic EX-L 4-Dr Sedan $294 $764 $500 $30 $150 $1,738 $145
Civic SI 4-Dr Sedan $294 $764 $500 $30 $150 $1,738 $145
Civic EX 2-Dr Coupe $294 $764 $624 $36 $186 $1,904 $159
Civic GX 4-Dr Sedan $294 $764 $500 $30 $150 $1,738 $145
Civic EX-L 2-Dr Coupe $294 $764 $624 $36 $186 $1,904 $159
Civic Hybrid 4-Dr Sedan $332 $664 $500 $30 $150 $1,676 $140
Civic SI 2-Dr Coupe $332 $866 $624 $36 $186 $2,044 $170
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price information does not factor in zip code location which can impact coverage rates noticeably.

Finding a good quality insurer can be challenging considering how many companies sell insurance in Bakersfield. The company rank data in the next section could help you pick which providers you want to consider comparing prices from.

These ratings include large, nationwide insurance companies, so companies that focus mainly on California business are not taken into consideration for these rankings. To get rate quotes and find the cheapest rates for a Honda Civic, follow this link.

Top 10 Large Auto Insurance Providers in Bakersfield Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

The information below demonstrates how deductibles can raise or lower insurance costs when getting quotes for cheap insurance for a Honda Civic. The data assumes a single male driver, full coverage, and no discounts are factored in.

A 40-year-old driver could reduce rates by $420 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $632 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old category, have the ability to save up to $1,396 or more by using a higher deductible. If you do raise deductibles, it is essential to have additional funds squirreled away to allow you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Here’s why you should compare rates often

Bakersfield car insurance rates are influenced by many factors that can increase your annual premium. Simply having another birthday, getting divorced, or having an at-fault accident may prompt premium changes that can now make some companies cheaper than competitors. Not only may your risk profile change, but car insurance companies change prices every year or even multiple times each year in order to be able to pay unexpected claims. A period of higher than normal claims may cause higher rates, while profitable underwriting may result in cheaper Civic insurance rates.

To illustrate this example, the data below compares the cheapest car insurance in Bakersfield, CA for a 40-year-old male driver with no accidents or violations, and solid credit. If we estimate prices based on his current situation, USAA may offer the lowest car insurance rates in Bakersfield at $1,228 annually. This is $423 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the rest of the most affordable Bakersfield, CA auto insurance companies.

Let’s now give the driver in the first chart a chargeable claim, a lower credit rating, and a few traffic violations. Since every insurance provider has a different process for setting rates, analyzing rates may now present a significantly different list of the cheapest companies as shown below.

Grange now has the lowest car insurance rate in Bakersfield with Progressive, Mercury, Allstate, and Allied completing the list. This illustrates why it is important to shop around to get the lowest auto insurance quotes for a Honda Civic.

Car insurance prices can be altered by many different factors and change dramatically, so the best option the last time you shopped your coverage around may now be quite expensive.