How Much are Auto Insurance Quotes for Business Use in Chula Vista?

You have probably watched the catchy commercials from companies like State Farm and Liberty Mutual that promise the cheapest price, so you should just pick the one with the catchiest commercial, right?

It’s just not that simple, as there are a whole slew of unknown aspects such as the safety features built into your vehicle, if full coverage is needed, how far you drive each year, and how high your deductibles should be, that all have an effect on the price of a policy. The content below will cover the things that influence insurance rates and will give you a good start in finding the cheapest car insurance in California.

For using your car for business, one of the more important things that determine the amount you pay for auto insurance is the neighborhood you call home. Areas with more people or even just a higher incidence of claims will most likely have higher rates, whereas areas with less congestion can boast about having cheaper rates.

The table below lists the most expensive places in California for business use to purchase auto insurance in. Chula Vista comes in at #24 with a yearly cost of $1,311 for car insurance, which is approximately $109 per month.

How much does car insurance cost in Chula Vista, CA?
Rank City Annual Premium
1 Los Angeles $2,104
2 Glendale $2,058
3 San Francisco $1,763
4 Oakland $1,755
5 Sacramento $1,669
6 San Bernardino $1,628
7 Long Beach $1,626
8 Santa Clarita $1,595
9 Stockton $1,588
10 Garden Grove $1,570
11 Riverside $1,542
12 Fontana $1,535
13 Moreno Valley $1,506
14 Modesto $1,502
15 Fresno $1,502
16 Anaheim $1,488
17 Santa Ana $1,453
18 Bakersfield $1,394
19 San Jose $1,381
20 Huntington Beach $1,374
21 Fremont $1,361
22 Irvine $1,330
23 San Diego $1,327
24 Chula Vista $1,311
25 Oxnard $1,304
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Rates are comparative as specific Chula Vista garaging address can change coverage prices significantly.

The make and model of vehicle needing coverage is probably the most important factor when trying to find cheap car insurance for business use. Vehicles with more horsepower, a lack of modern safety features, or an increased likelihood of liability claims will cost more to insure than safer models.

The table below features auto insurance rates for a selection of the most economical automobiles to insure in California.

Cheapest Vehicles to Insure in Chula Vista, CA
Make and Model Estimated Cost for Full Coverage
Ford Escape Limited 4WD $856
Honda CR-V LX 2WD $860
Ford Focus S 4-Dr Sedan $916
Volkswagen Jetta S 4-Dr Sedan $934
Ford Explorer Limited 4WD $950
Ford F-150 SVT Raptor Super Cab 4WD $958
Dodge Ram 3500 Crew Cab Laramie 2WD $950
Toyota Prius $956
Honda Odyssey EX-L $984
Toyota Corolla XLE $993
Hyundai Elantra SE 4-Dr Sedan $984
Chevrolet Malibu LTZ $1,000
Dodge Grand Caravan Hero $1,020
Toyota RAV4 2WD $1,029
Chevrolet Impala LS $1,028
Hyundai Sonata SE 4-Dr Sedan $1,050
Chevrolet Equinox LS AWD $1,052
Toyota Tacoma X-Runner 2WD $1,076
Toyota Camry SE $1,084
Dodge Ram Crew Cab TRX 4WD $1,092
Nissan Rogue SL 2WD $1,090
Jeep Grand Cherokee Limited 2WD $1,096
Chevrolet Silverado LS Crew Cab 4WD $1,103
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in specific location which can revise auto insurance rates considerably.

Looking at the rates, you can presume that makes and models like the Ford Escape, Honda CR-V, Ford Focus, and Volkswagen Jetta will be a few of the most economical vehicles to insure for using your car for business. The price for car insurance will be more expensive just because there is more inherent risk for business use, but generally speaking those particular models will most likely have the cheapest car insurance rates compared to all other vehicles.

Figuring out which companies quote the cheapest insurance rates for business use will require a tad more effort in order to find a policy that fits your budget. Each auto insurer has their own unique process to set their prices, so let’s take a look at the most competitive insurance companies in Chula Vista, CA.

Find Cheaper Car Insurance for Business Use

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Cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,192
3 Century National $1,214
4 CSAA $1,222
5 Nationwide $1,263
6 21st Century $1,338
7 Grange $1,477
8 Mercury $1,503
9 Progressive $1,512
10 Allstate $1,513
11 Allied $1,541
12 GEICO $1,575
13 The Hartford $1,623
14 MetLife $1,654
15 State Farm $1,682
16 Esurance $1,688
17 Unitrin $1,750
18 Travelers $1,806
19 Bristol West $1,831
20 Farmers $2,006
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USAA may have some of the cheapest car insurance rates in Chula Vista at around $1,109 annually. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the cheaper Chula Vista, CA car insurance companies.

As shown in the rates above, if you are a policyholder with Wawanesa and switched to USAA, you could see a yearly price reduction of upwards of $83. Customers with Century National might save as much as $105 a year, and CSAA customers might cut rates by $113 a year.

Be aware that those rates are averaged for all drivers and vehicles and and are not calculated with an exact location for business use. So the auto insurance company that fits you best may not even be in the top 24 companies in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own individual information.

Get discounts on Chula Vista insurance

Cheaper Chula Vista, CA insurance for using your car for businessCar insurance companies that offer quotes for business use may also offer special discounts that could reduce prices by 30% or more if you are eligible for them. A few of the larger companies and some of the premium reductions they offer are detailed below.

The chart below illustrates the difference between car insurance costs with and without discounts applied to the premium. The prices are based on a female driver, no violations or accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with safe-driver, multiple vehicle, vehicle safety, passive restraint, anti-theft, and defensive driving course discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for business use is 28% or $670.

Careless driving habits raise insurance rates

The easiest method to maintain the best insurance prices for using your car for business is to be a careful driver and avoid accidents and traffic violations. The illustration below shows how speeding tickets and fender-benders drive up auto insurance costs for each different age category. The rates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

The chart shows that the average cost of an auto insurance policy in Chula Vista per year with no accidents or violations is $1,938. Add in one speeding ticket and the average cost hikes up to $2,228, an increase of $290 each year. Now add one accident along with the one speeding ticket and the annual cost of insurance for business use goes up to an average of $3,036. That’s an increase of $1,098, or $91 per month, just for not being more responsible behind the wheel!

Picking the right auto insurance company can be challenging considering how many companies are available to choose from in California. The company rank data shown next could help you pick which car insurance companies you want to consider shopping your coverage with.

The rankings below are only made up of the largest auto insurers in America, so smaller companies that only insure vehicles in California will not be included in the list. To check prices from these and other companies in California, just click here.

Top Insurance Companies for Business Use in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

How to find budget-friendly insurance for business use

It’s not impossible to find cheaper rates, and here are some money-saving ideas that can help California drivers locate cheaper coverage.

That final tip is very vital, as was discussed in the prior information. Prices charged by auto insurers can change significantly in a year, so don’t hesitate to switch carriers if a cheaper price is available. Having a favorite company is fine, but we do not recommend it if it’s costing you lots of money. Take a couple minutes and compare prices to find cheaper insurance for business use in Chula Vista.