Who Has Affordable Chula Vista Auto Insurance Rates for 19 Year Olds?

For teenage drivers, one of the big criteria that are looked at to determine the annual cost of car insurance is the neighborhood you call home. Regions with more people or even just more weather-related claims are more likely to have higher rates, whereas areas that tend to be more rural tend to receive cheaper rates.

The table below shows the most expensive areas in California for 19 year olds to buy car insurance in. Chula Vista shows up at #22 with the annual price of $1,350 for car insurance, which is around $113 per month.

How much does car insurance cost in Chula Vista, CA?
Rank City Average Per Year
1 Los Angeles $2,168
2 Glendale $2,058
3 San Francisco $1,745
4 Sacramento $1,703
5 Oakland $1,687
6 San Bernardino $1,596
7 Santa Clarita $1,595
8 Garden Grove $1,570
9 Fontana $1,566
10 Long Beach $1,562
11 Stockton $1,556
12 Modesto $1,532
13 Moreno Valley $1,506
14 Santa Ana $1,497
15 Riverside $1,482
16 Anaheim $1,474
17 Fresno $1,457
18 San Jose $1,423
19 San Diego $1,381
20 Bakersfield $1,381
21 Huntington Beach $1,360
22 Chula Vista $1,350
23 Fremont $1,348
24 Irvine $1,343
25 Oxnard $1,304
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Information shown are approximated as the vehicle garaging location can revise premiums substantially.

The vehicle model you are insuring is probably the most important factor when quoting affordable coverage for 19 year olds. Vehicles with reasonable performance levels, excellent safety ratings, or a low likelihood of having liability claims will cost much less to insure than fast, unsafe models. The next list outlines auto insurance prices for a selection of the cheaper automobiles to insure in California.

Cheapest Vehicles to Insure in Chula Vista, CA
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 4WD $2,312
Ford Escape XLS 4WD $2,319
Jeep Wrangler Sport 4WD 2-Dr $2,388
Volkswagen Jetta S 2.5 Station Wagon $2,502
Toyota Prius $2,530
Ford Explorer XLT 4WD $2,580
Dodge Grand Caravan CV $2,589
Ford Edge SE AWD $2,714
Chevrolet Impala LS $2,721
Toyota Camry LE $2,742
Toyota RAV4 2WD $2,747
Chevrolet Malibu Hybrid $2,742
Chevrolet Equinox LS AWD $2,750
Toyota Tacoma Double Cab 4WD $2,770
Ford Focus SES 4-Dr Sedan $2,876
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Above prices assume single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in your specific Chula Vista, CA location which can alter premiums substantially.

By looking at the data, we can expect cars like the Honda CR-V, Ford Escape, and Jeep Wrangler should be the most budget-friendly vehicles to insure for teenage drivers. Rates will tend to be more expensive just due to the fact that there is more liability risk for 19 year olds, but overall those particular vehicles will most likely have the best rates that you’ll find.

Figuring out which companies offer the most affordable insurance rates for 19 year olds requires a little more work in order to find the best price. Every car insurance company uses a slightly different approach for determining prices, so let’s take a look at the most competitive insurance companies in Chula Vista.

Cheap Insurance Rates for Teens

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Cheapest insurance companies in California
Rank Company Cost Per Year
1 Wawanesa $1,146
2 USAA $1,155
3 Century National $1,178
4 Nationwide $1,213
5 CSAA $1,222
6 21st Century $1,366
7 Grange $1,477
8 Allstate $1,497
9 Progressive $1,512
10 GEICO $1,529
11 Mercury $1,548
12 The Hartford $1,575
13 MetLife $1,590
14 Allied $1,603
15 State Farm $1,682
16 Esurance $1,739
17 Unitrin $1,750
18 Bristol West $1,777
19 Travelers $1,806
20 Farmers $1,966
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Wawanesa offers some of the lowest car insurance rates in Chula Vista at around $1,146 per year. USAA, Century National, Nationwide, and CSAA also make the cut as some of the lowest-priced Chula Vista, CA insurance companies.

As shown above, if you currently have a policy with CSAA and switched to USAA, you may realize an annual premium reduction of upwards of $67. Policyholders with 21st Century could save as much as $211 a year, and Grange customers might reduce prices by as much as $322 a year.

Be aware that those policy rates are averages for all types of drivers and the different vehicles they drive and and are not calculated with a specific vehicle garaging location for 19 year olds. So the car insurance company that has the cheapest price for you may not even be in the top 24 companies shown above. That helps illustrate why you need to compare rates from multiple companies using your own individual information.

The illustration below illustrates how choosing a deductible can increase or decrease annual premium costs when quoting cheap insurance for 19 year olds. The premiums assume a single male driver, full physical damage coverage, and no policy discounts are applied.

A 40-year-old driver could save $362 a year by increasing from a $100 deductible to a $500 deductible, or save $546 by switching to a $1,000 deductible. Young drivers, like the 20-year-old, could drop their prices as much as $1,190 annually by selecting a higher deductible.

When raising deductibles, it is important to have emergency funds available to enable you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Impact of violations and accidents on rates

The obvious way to snag the best insurance prices in California for teenage drivers is to be a careful driver and avoid tickets and accidents. The diagram below illustrates how traffic citations and accidents increase insurance costs for different age groups. The rates are based on a married female driver, full coverage, $500 deductibles, and no other discounts are factored in.

The data charted above shows the average cost of an auto insurance policy in California per year with no accidents or violations is $1,751. Factor in two speeding tickets and the average cost swells to $2,488, an increase of $737 each year. Now add one accident along with the two speeding tickets and the annual cost of insurance for 19 year olds jumps again to an average of $3,229. That’s an increase of $1,479, or $123 per month, just for not driving responsibly!

What aren’t you shopping around?

Chula Vista, CA insurance rates are influenced by many factors that may substantially change the price of your policy. Turning one year older, increasing deductibles, or getting a ticket for careless driving may cause policy rate changes resulting in some rates now being much cheaper than others. And not only may your rating factors change, but insurance companies change their prices as often as every quarter in order to maintain liquidity for claims. An extended period of higher than normal claims can cause price increases, while lower claim expenses can produce lower-priced Chula Vista car insurance rates.

To illustrate this example, the data below shows the cheapest car insurance in Chula Vista, CA for a 45-year-old male driver with no violations or accidents, and good credit. If we look at prices based on his current situation, USAA might quote the lowest car insurance rates in Chula Vista at $1,121 each year. This is $530 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the rest of the most affordable Chula Vista, CA auto insurance companies.

Now we will give the driver from the above example a chargeable accident, a lower credit rating, and a speeding ticket. Since every car insurance company uses their own method for setting prices, comparing quotes may now result in a different ranking of affordable companies as shown below.

Grange now has the best car insurance rate in Chula Vista, CA with Progressive, Mercury, Allstate, and Allied also being competitive. This example illustrates why Chula Vista drivers need to compare as many rates as possible when trying to find the lowest insurance rates for 19 year olds. Rates are determined by many things and can decrease or increase without notice, so the cheapest company the last time you checked may now be one of the higher cost companies.