Finding economical auto insurance for a Honda Pilot in California is fairly easy, but it depends on a whole bunch of rating criteria such as how old the vehicle is, if you have prior claims, and your choice of deductibles. Drivers in California pay around $1,158 per year for Pilot insurance, but that cost is a valuation based upon a 50-year-old married male driver with full comprehensive and collision coverage and $250 deductibles.
The problem with using this number is the good chance you are not 50 and maybe not even a male, possibly single instead of married, and you need different coverage limits than the sample rates. Not everyone needs the same coverages, so the best way to find affordable rates for your Honda is to compare as many rates as you can.
Cheapest Honda Pilot Insurance Rates
The trim level of your Honda tends to have a direct impact on the coverage cost, so the price to insure a Pilot LX 2WD trim level will be $122 less expensive the cost to insure the more well-appointed Pilot Touring 4WD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$266||$402||$424||$26||$126||$1,244||$104|
|Pilot EX 2WD||$300||$402||$424||$26||$126||$1,278||$107|
|Pilot EX 4WD||$300||$402||$424||$26||$126||$1,278||$107|
|Pilot EX-L 2WD||$300||$490||$424||$26||$126||$1,366||$114|
|Pilot EX-L 4WD||$300||$490||$424||$26||$126||$1,366||$114|
|Pilot Touring 2WD||$300||$490||$424||$26||$126||$1,366||$114|
|Pilot Touring 4WD||$300||$490||$424||$26||$126||$1,366||$114|
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rates do not factor in garaging location in Bakersfield which can influence insurance rates greatly.
Shopping around for low-cost car insurance is easier said than done, and deciding which companies have the lowest-priced auto insurance rates for a Honda Pilot requires even more work. Each insurance company uses a slightly different approach to set their prices, so first let’s look at the rankings for the most budget-friendly auto insurance companies in California.
We do need to point out that California auto insurance rates are impacted by many things that may substantially change the policy premium. That is why it is so important to do a thorough rate comparison to get the lowest car insurance quotes for a Honda Pilot. Rates are determined by many factors and change frequently, so the most economical option two years ago may now cost much more than other companies.
Find Cheaper Car Insurance for Your Pilot
USAA may have some of the best car insurance rates in Bakersfield at around $1,121 per year. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the most economical Bakersfield, CA insurance companies.
In this example, if you currently have a policy with Century National and switched to Wawanesa, you might achieve savings of upwards of $68. California drivers with Nationwide might save as much as $104 a year, and 21st Century policyholders might lower prices by up to $179 a year.
Be aware that those premium estimates are averages across all insureds and vehicles and do not take into consideration an exact zip code location for a Honda Pilot. So the car insurance company that is best suited for you may not even be in the top 24 companies in the list above. That helps illustrate why you need to compare as many prices as possible using your own specific driver information and vehicle.
Does full coverage make sense?
Saving money on auto insurance is the goal of most drivers, and an easy way to pay less for insurance for a Honda Pilot is to not pay for full coverage. The example below shows the difference between auto insurance rates with liability coverage only compared to full coverage. The premium estimates are based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no discounts are applied.
On average, comprehensive and collision coverage on your policy costs an additional $2,553 per year more than carrying just liability coverage. That amount may make you wonder if full coverage is worth the money. There is no specific rule that works best for making the decision to drop comp and collision coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
Discount Bakersfield car insurance rates
Auto insurance companies that offer cheap quotes for a Honda Pilot may provide premium discounts that could reduce prices by as much as 40% or more if you meet eligibility requirements. Companies and a partial list of their discounts can be found below.
- American Family may offer discounts for defensive driver, air bags, accident-free, good student, good driver, bundled insurance, and mySafetyValet.
- Nationwide offers premium reductions for easy pay, accident-free, defensive driving, business or organization, Farm Bureau membership, anti-theft, and good student.
- MetLife includes discounts for good student, good driver, defensive driver, accident-free, claim-free, and multi-policy.
- 21st Century may include discounts for anti-lock brakes, driver training, teen driver, early bird, theft prevention, and good student.
- Farmers Insurance policyholders can earn discounts including distant student, good student, business and professional, alternative fuel, and teen driver.
- Allstate has discounts for anti-lock brakes, 55 and retired, multi-policy, good student, new car, and senior citizen.
The information below visualizes the comparison of annual premium costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no claims or driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with claim-free, multiple vehicle, multiple policy, safe-driver, passive restraint, and marriage discounts applied. When discounts are applied, theaverage amount saved on auto insurance for a Honda Pilot is 28% or $774.
The illustration below shows how choosing a deductible can affect yearly insurance costs when researching cheap insurance for a Honda Pilot. The premium estimates are based on a married male driver, full physical damage coverage, and no discounts are factored in.
As shown above, a 40-year-old driver could cut expenses by $322 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $488 by switching to a $1,000 deductible. Younger drivers, like the Age 20 category, can cut up to $1,062 annually by using a higher deductible.
If you do make the decision to raise your deductibles, it will be important to have enough savings set aside to offset the extra out-of-pocket expense associated with higher deductibles.
If you like to have a little guidance when buying car insurance for a Pilot, the agencies below can probably help you make a decision which insurance coverage you need.
To locate a Bakersfield car insurance agency by location nearest to you, click the button after the list or click here to compare prices now.
- Hay Insurance Agency Inc.
4921 Calloway Dr # 101 – Bakersfield, CA 93312 – (661) 829-8933
- Clifford and Bradford Insurance Agency
1515 20th St – Bakersfield, CA 93301 – (661) 283-8100
- Allstate Insurance: Charles Brummer
4300 Coffee Rd, Ste A4 – Bakersfield, CA 93308 – (661) 283-0300