Who Has Affordable Auto Insurance Quotes for Teenagers in Chula Vista?

Ideally, we could simply tell you the single company that has the cheapest rate quotes in California. Unfortunately, it’s not that simple as there are a whole bunch of unknown elements like if you are a man or woman, if you are a homeowner or renter, and whether you just need liability insurance, that all have an effect on the price. The content below covers the best ways to pay less and hopefully give you enough understanding to have a good start to your coverage search.

One of the more important components that are used to help calculate the annual cost of car insurance is your address. More populated areas likely pay more, whereas areas with less people or fewer weather incidents have the gratification of cheaper auto insurance rates.

The table below sorts the most expensive places in California for teenagers to purchase a policy in. Chula Vista shows up at #25 with an annual premium of $1,298 on average, which is around $108 per month.

How much is car insurance in Chula Vista?
Rank City Average Per Year
1 Glendale $2,142
2 Los Angeles $2,083
3 San Francisco $1,745
4 Oakland $1,704
5 Sacramento $1,652
6 Long Beach $1,610
7 Stockton $1,603
8 San Bernardino $1,596
9 Fontana $1,581
10 Garden Grove $1,570
11 Moreno Valley $1,536
12 Santa Clarita $1,533
13 Modesto $1,532
14 Riverside $1,527
15 Santa Ana $1,483
16 Fresno $1,472
17 Anaheim $1,444
18 San Jose $1,395
19 San Diego $1,381
20 Huntington Beach $1,360
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Information shown are estimated as zip code location can increase or decrease insurance rates significantly.

Finding out which insurers offer the most affordable auto insurance rates for teenagers calls for a tad more effort in order to find coverage that fits your budget. Each insurer used slightly different criteria for establishing rates, so let’s take a look at the auto insurance companies with the overall best prices in Chula Vista.

It’s important to know that California auto insurance rates are determined by lots of factors that can increase the price you have to pay for coverage. Simply turning a year older, adding a teenager to your policy, or getting a ticket for running a stop sign can cause premium changes resulting in some companies being cheaper in comparison to the competition.

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USAA quotes some of the cheapest car insurance rates in Chula Vista at around $1,121 a year. This is $530 less than the average policy premium paid by California drivers of $1,651. CSAA, Wawanesa, Century National, and Nationwide also make the cut as some of the best Chula Vista, CA insurance companies.

As the example above demonstrates, if you currently buy coverage from CSAA and switched to USAA, you could earn a yearly savings of around $65. Drivers with Wawanesa could save as much as $71 a year, and Century National customers might reduce prices by as much as $105 a year.

If you would like to find cheaper car insurance rates, click here to get quotes or visit any of the low-priced companies below.

Bear in mind that those premium estimates are averaged across all drivers and vehicles in California and and are not figured with a vehicle location for teenagers. So the car insurance company that has the cheapest rates for you may not even be in the top 24 companies shown above. That’s why you need to get rate quotes from many companies using your own driver and vehicle profiles.

The car, truck, or SUV on the policy is probably the biggest factor when consumers are trying to find cheap car insurance for teenagers. Vehicles with lots of horsepower, poor safety ratings, or a history of substantial liability claims will cost significantly more to insure than more modest models. The next table showcases insurance rates for the cheapest vehicles to buy insurance for.

Cheapest Vehicles to Insure in Chula Vista, CA
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V LX 2WD $3,086
Ford Escape XLT 4WD $3,114
Hyundai Elantra SE Touring Station Wagon $3,302
Toyota Prius $3,330
Ford F-150 XLT Regular Cab 2WD $3,446
Ford Explorer XLT AWD $3,474
Chevrolet Impala LS $3,634
Ford Edge SEL 2WD $3,641
Chevrolet Equinox LS AWD $3,662
Toyota Camry LE $3,667
Toyota RAV4 Limited 2WD $3,662
Chevrolet Malibu LT $3,690
Dodge Grand Caravan SXT $3,700
Dodge Ram 3500 Crew Cab Laramie 2WD $3,690
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $3,698
Ford Focus SEL 4-Dr Sedan $3,822
Honda Odyssey EX-L W/Navigation $3,850
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Data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in zip code location which can raise or lower rates greatly.

Based upon these rates, you can infer that vehicles like the Honda CR-V, Ford Escape, Hyundai Elantra, and Toyota Prius will be the cheapest vehicles to insure for teen drivers. Prices will be more costly because there is more risk for teenagers, but generally speaking those makes and models will tend to have the least expensive rates available.

Best auto insurance company in Chula Vista

Insuring your vehicle with a high-quality insurance provider is difficult considering how many choices you have in Chula Vista. The company rank data in the next section may help you decide which car insurance providers to look at when looking for cheaper rates. These rankings are only made up of the companies with a significant amount of written premium nationwide, so companies with more of a regional focus will not be included in these rankings.

Top 10 Large Auto Insurance Companies in Chula Vista Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

The information below demonstrates how deductibles can increase or decrease premium costs when getting quotes for cheap insurance for teenagers. The price estimates are based on a married female driver, comp and collision included, and no discounts are taken into consideration.

In the chart above, a 50-year-old driver could lower rates by $408 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $614 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could save up to $1,008 each year by choosing a higher deductible. If you do raise deductibles, it will be required to have emergency funds available to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

The benefits of price comparisons

Chula Vista, CA auto insurance rates are based on many factors that can increase the cost of a policy. Turning one year older, buying a different vehicle, or getting into an accident can cause premium changes that can cause some rates to be cheaper than competitors.

In addition to those changes, insurance companies change their prices as often as every three months in order to offset underwriting gains or losses. Significantly higher claims may cause high rates, while a lower level of claims can result in cheaper Chula Vista car insurance rates.

The chart below shows which companies have the cheapest car insurance in Chula Vista, CA for a 35-year-old male driver with a clear driving record, no claims, and a good credit history. If we look at prices based on his current risk factors, USAA quotes the cheapest car insurance rates in Chula Vista at $1,155 each year. This is $496 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the rest of the best Chula Vista, CA auto insurance companies.

Let’s now give the driver in the first example a chargeable accident, a lower credit rating, and a speeding citation. Because each company has a unique approach to set policy rates, analyzing rate quotes may now show a new list of cheap Chula Vista auto insurance companies as shown below.

Grange now has the lowest price on auto insurance in Chula Vista with Progressive, GEICO, Mercury, and Allstate also being competitive. This example illustrates why Chula Vista drivers need to perform an extensive rate comparison when trying to find affordable auto insurance quotes for teenagers. Insurance rates are calculated by many factors and change frequently, so the cheapest rate when you last compared rates may now cost much more than other companies.