If you want to find the absolute lowest rates, then the best way to find cheaper quotes for Honda Civic insurance in Bakersfield is to compare prices annually from insurance carriers who provide auto insurance in California.
Step 1: Take a little time to learn about how car insurance works and the measures you can control to drop your rates. Many factors that increase rates such as traffic violations, accidents, and a less-than-favorable credit history can be amended by making minor driving habit or lifestyle changes. Read the full article for tips to find cheap rates and get discounts that may be available to you.
Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or Allstate, while independent agents can quote prices from multiple insurance companies. View insurance agents
Step 3: Compare the new rates to your existing policy to see if a cheaper rate is available in Bakersfield. If you find a lower rate quote and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Notify your current company of your intention to cancel your existing policy. Submit a completed policy application and payment to your new agent or company. Once the paperwork is finalized, store the certificate of insurance in a readily accessible location in your vehicle.
The key aspect of shopping around is to compare the same amount of coverage on every price quote and and to compare as many companies as you can. Doing this guarantees an apples-to-apples comparison and the best price quote selection.
Inconceivable but true, a large majority of car insurance policyholders kept their policy with the same company for at least the last four years, and almost 40% of drivers have never taken the time to shop around. Bakersfield drivers could pocket 35% a year, but they don’t invest the time required to shop their coverage around.
If you are already insured or just want to save money, follow these tips to get lower rates without reducing coverage. These tips will help you learn how car insurance companies work. Consumers just need to know the most efficient way to shop from many different companies.
The fastest way that we advise to get policy rate comparisons for Honda Civic insurance in Bakersfield is to realize almost all companies actually pay money for the chance to quote your coverage. The one thing you need to do is take a few minutes to give details including if you are currently licensed, your occupation, your general credit rating, and types of safety features. Your rating data is then submitted to many different companies and they respond with quotes within a short period of time.
If you would like to start a quote now, click here then complete the form.
The auto insurance companies shown below provide price quotes in California. If several companies are displayed, it’s a good idea that you compare several of them in order to get a fair rate comparison.
Honda Civic insurance rate analysis
The information shown next covers a range of insurance coverage prices for Honda Civic models. Being aware of how insurance quotes are formulated is important to be able to make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $258 | $584 | $424 | $26 | $126 | $1,418 | $118 |
| Civic VP 4-Dr Sedan | $258 | $688 | $424 | $26 | $126 | $1,522 | $127 |
| Civic LX 4-Dr Sedan | $258 | $688 | $424 | $26 | $126 | $1,522 | $127 |
| Civic DX 2-Dr Coupe | $258 | $688 | $530 | $32 | $158 | $1,666 | $139 |
| Civic EX 4-Dr Sedan | $258 | $688 | $424 | $26 | $126 | $1,522 | $127 |
| Civic LX-S 4-Dr Sedan | $258 | $688 | $424 | $26 | $126 | $1,522 | $127 |
| Civic LX 2-Dr Coupe | $258 | $792 | $530 | $32 | $158 | $1,770 | $148 |
| Civic EX-L 4-Dr Sedan | $296 | $792 | $424 | $26 | $126 | $1,664 | $139 |
| Civic SI 4-Dr Sedan | $296 | $792 | $424 | $26 | $126 | $1,664 | $139 |
| Civic EX 2-Dr Coupe | $296 | $792 | $530 | $32 | $158 | $1,808 | $151 |
| Civic GX 4-Dr Sedan | $296 | $792 | $424 | $26 | $126 | $1,664 | $139 |
| Civic EX-L 2-Dr Coupe | $296 | $792 | $530 | $32 | $158 | $1,808 | $151 |
| Civic Hybrid 4-Dr Sedan | $334 | $688 | $424 | $26 | $126 | $1,598 | $133 |
| Civic SI 2-Dr Coupe | $334 | $896 | $530 | $32 | $158 | $1,950 | $163 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Information does not factor in garaging location in Bakersfield which can raise or lower premiums noticeably.
Physical damage deductible comparison
The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The following insurance rates may help you to understand the costs and benefits when you buy lower versus higher physical damage deductibles. The first data set uses a $250 deductible for comp and collision and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Civic VP 4-Dr Sedan | $298 | $678 | $442 | $26 | $132 | $1,601 | $133 |
| Civic LX 4-Dr Sedan | $298 | $678 | $442 | $26 | $132 | $1,601 | $133 |
| Civic DX 2-Dr Coupe | $298 | $678 | $552 | $32 | $166 | $1,751 | $146 |
| Civic EX 4-Dr Sedan | $298 | $678 | $442 | $26 | $132 | $1,601 | $133 |
| Civic LX-S 4-Dr Sedan | $298 | $678 | $442 | $26 | $132 | $1,601 | $133 |
| Civic LX 2-Dr Coupe | $298 | $780 | $552 | $32 | $166 | $1,853 | $154 |
| Civic EX-L 4-Dr Sedan | $342 | $780 | $442 | $26 | $132 | $1,747 | $146 |
| Civic SI 4-Dr Sedan | $342 | $780 | $442 | $26 | $132 | $1,747 | $146 |
| Civic EX 2-Dr Coupe | $342 | $780 | $552 | $32 | $166 | $1,897 | $158 |
| Civic GX 4-Dr Sedan | $342 | $780 | $442 | $26 | $132 | $1,747 | $146 |
| Civic EX-L 2-Dr Coupe | $342 | $780 | $552 | $32 | $166 | $1,897 | $158 |
| Civic Hybrid 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Civic SI 2-Dr Coupe | $386 | $882 | $552 | $32 | $166 | $2,043 | $170 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Civic VP 4-Dr Sedan | $184 | $426 | $442 | $26 | $132 | $1,210 | $101 |
| Civic LX 4-Dr Sedan | $184 | $426 | $442 | $26 | $132 | $1,210 | $101 |
| Civic DX 2-Dr Coupe | $184 | $426 | $552 | $32 | $166 | $1,360 | $113 |
| Civic EX 4-Dr Sedan | $184 | $426 | $442 | $26 | $132 | $1,210 | $101 |
| Civic LX-S 4-Dr Sedan | $184 | $426 | $442 | $26 | $132 | $1,210 | $101 |
| Civic LX 2-Dr Coupe | $184 | $490 | $552 | $32 | $166 | $1,424 | $119 |
| Civic EX-L 4-Dr Sedan | $210 | $490 | $442 | $26 | $132 | $1,300 | $108 |
| Civic SI 4-Dr Sedan | $210 | $490 | $442 | $26 | $132 | $1,300 | $108 |
| Civic EX 2-Dr Coupe | $210 | $490 | $552 | $32 | $166 | $1,450 | $121 |
| Civic GX 4-Dr Sedan | $210 | $490 | $442 | $26 | $132 | $1,300 | $108 |
| Civic EX-L 2-Dr Coupe | $210 | $490 | $552 | $32 | $166 | $1,450 | $121 |
| Civic Hybrid 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Civic SI 2-Dr Coupe | $238 | $556 | $552 | $32 | $166 | $1,544 | $129 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Information does not factor in specific garaging location which can increase or decrease insurance rates substantially.
Based on this data, using a $250 deductible will cost you about $35 more each month or $420 each year than buying the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at least 21 months between claim filings, you would probably come out ahead going with the higher deductible.
Calculate deductible break even point
| Average monthly premium for $250 deductibles: | $144 |
| Average monthly premium for $1,000 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $35 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $35 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
An important thing to remember is that increasing deductibles to save money means you will have to cover more of the damage yourself at claim time. It will be required that you have some extra savings in the event you need to pay more to get your vehicle repaired.
Drive safe and save
The example below illustrates how violations and at-fault collisions can raise Honda Civic annual premium costs for different age categories. The premiums are based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.
Cheap Honda Civic insurance in Bakersfield
Companies that sell car insurance don’t necessarily list every discount very clearly, so the list below details both well-publicized as well as some of the hidden discounts you could be receiving when you buy Bakersfield auto insurance online.
- Theft Prevention System – Cars and trucks with anti-theft systems are stolen less frequently and will qualify for a discount on a Bakersfield auto insurance quote.
- Low Mileage Discounts – Driving fewer miles may allow you to get better prices on cars that stay parked.
- Claim Free – Good drivers with no accidents can earn big discounts in comparison to bad drivers.
- Seat Belt Discounts – Drivers who require all occupants to fasten their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
- Good Student Discount – A discount for being a good student can save 20 to 25%. Most companies allow this discount until age 25.
- Paper-free Discount – A handful of insurance companies will give a small break for completing your application over the internet.
- Discount for New Cars – Buying a new car model can save you some money due to better safety requirements for newer vehicles.
- Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
- Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
- Accident Forgiveness Coverage – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident without the usual rate increase if you have no claims prior to being involved in the accident.
As a disclaimer on discounts, most discounts do not apply to the entire cost. Most cut specific coverage prices like collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
The information below illustrates the difference between Honda Civic auto insurance costs with and without discounts applied to the rates. The data assumes a male driver, no claims or violations, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, safe-driver, claim-free, and multi-policy discounts applied.
A list of companies and a selection of discounts can be found below.
- State Farm discounts include multiple policy, passive restraint, student away at school, Steer Clear safe driver discount, good student, and safe vehicle.
- Liberty Mutual includes discounts for teen driver discount, exclusive group savings, new move discount, multi-policy, newly retired, and good student.
- American Family offers discounts for good driver, air bags, bundled insurance, TimeAway discount, accident-free, and mySafetyValet.
- Progressive may include discounts for continuous coverage, multi-vehicle, multi-policy, online quote discount, and homeowner.
- Farmers Insurance offers premium reductions for early shopping, electronic funds transfer, business and professional, pay in full, homeowner, distant student, and switch companies.
- Auto-Owners Insurance policyholders can earn discounts including multiple vehicles, anti-theft, safe driver, air bags, and paperless.
- SAFECO may have discounts that include anti-theft, teen safety rewards, multi-car, anti-lock brakes, teen safe driver, accident prevention training, and drive less.
Double check with all companies you are considering how many discounts you can get. Savings might not apply in Bakersfield. To locate insurance companies that offer the discounts shown above in California, click here to view.
Choosing Civic insurance is an important decision
Even though it’s not necessarily cheap to insure a Honda in Bakersfield, paying for auto insurance may not be optional for several reasons.
- The majority of states have compulsory liability insurance requirements which means state laws require a specific minimum amount of liability insurance if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your Civic, almost all lenders will have a requirement that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank may buy a policy for your Honda at a significantly higher premium and force you to pay for the expensive policy.
- Auto insurance protects both your Honda Civic and your assets. It will also provide coverage for many types of medical costs for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also covers legal expenses in the event you are sued. If your vehicle suffers damage from an accident or hail, your auto insurance policy will cover the repair costs.
The benefits of having auto insurance are without a doubt worth the cost, particularly for liability claims. Unknowingly, the average driver is overpaying over $800 each year so we recommend shopping around once a year at a minimum to make sure the price is not too high.
Bakersfield auto insurance companies ranked
Choosing the best auto insurance provider is difficult considering how many different companies sell coverage in California. The company rank data in the next section may help you decide which companies you want to consider comparing prices from.
Top 10 Bakersfield Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Your auto insurance coverage should be tailored to you
When it comes to choosing coverage online or from an agent for your vehicles, there is no best way to insure your cars. Your financial needs are unique and your auto insurance should be unique as well.
For example, these questions may help highlight whether you would benefit from professional advice.
- What is the ISO rating for a Honda Civic?
- Is motorclub coverage worth it?
- How much will a speeding ticket raise my rates?
- Can I cancel at any time?
- Why does it cost so much to insure a teen driver in Bakersfield?
- How high should my medical payments coverage be?
- Do I have coverage when pulling a U-Haul trailer?
- I don’t drive much so do I pay less?
- How much can I save by bundling my policies?
- Is pleasure use cheaper than using my Honda Civic to commute?
If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.
Buying from insurance agencies
Some people just want to buy from a local agent. Professional agents are trained risk managers and give you someone to call. The biggest benefit of comparing auto insurance online is that you can find cheaper rates and still choose a local agent.
To find an agent, once you fill out this form (opens in new window), your insurance data is transmitted to companies in Bakersfield that give free quotes and help you find cheaper coverage. You don’t have to contact an agency because quoted prices will be sent immediately to your email address. If you wish to compare rates from one company in particular, you can always visit that company’s website and complete a quote there.
Choosing the best insurer is decision based upon more than just a cheap price. Ask your prospective agent these questions:
- What is the agency’s Better Business Bureau rating?
- Do they offer accident forgiveness?
- What company holds the largest book of business for them?
- Do they have cheaper tiers of coverage?
- Are claims handled at the agent’s location?
- Are they giving you every discount you deserve?
Types of auto insurance agents in Bakersfield
If you would like to find a local agent, it helps to know the two types of agencies and how they differ in how they quote coverages. Auto insurance agents in Bakersfield can be categorized as either independent agents or exclusive agents depending on their employer. Either type can properly insure your vehicles, but it is a good idea to know the difference in how they write coverage since it can impact which agent you choose.
Exclusive Agencies
Agents that choose to be exclusive can only provide one company’s prices like Farmers Insurance and State Farm. Exclusive agents cannot give you multiple price quotes so they are skilled at selling on more than just price. They are usually quite knowledgeable on what they offer which helps them sell on service rather than price. Some consumers prefer to buy from exclusive agents partially due to the brand rather than low price.
Listed below is a short list of exclusive insurance agents in Bakersfield who may provide you with comparison quotes.
- Farmers Insurance – Scott Brown
6501 Schirra Ct #100 – Bakersfield, CA 93313 – (661) 837-4100 – View Map - Farmers Insurance: Ruth Escobar
400 Chester Ave – Bakersfield, CA 93301 – (661) 631-2420 – View Map - Dennis Stitt – State Farm Insurance Agent
1811 Oak St Ste 155 – Bakersfield, CA 93301 – (661) 327-6990 – View Map
Independent Insurance Agents
Agents of this type do not sell for just one brand and that gives them the ability to insure with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency. If you are comparing rate quotes, it’s recommended you include several independent insurance agents to ensure the widest selection of prices. Many can place coverage with smaller mutual companies which can save you money.
Below is a short list of independent agencies in Bakersfield who can help you get price quotes.
- Nationwide Insurance – Michaud Insurance Agency Inc
3795 Niles St – Bakersfield, CA 93306 – (661) 633-9900 – View Map - Stockdale Insurance Agency Inc
1675 Chester Ave #310 – Bakersfield, CA 93301 – (661) 327-3321 – View Map - Crosby and Crosby Insurance Services
111 H St – Bakersfield, CA 93304 – (661) 327-5531 – View Map