What Auto Insurance is Cheapest for Single Moms in Chula Vista?

The type of vehicle that is being insured is one of the largest considerations that determines whether or not you find the most economical insurance for single moms. Vehicles with limited top-end speed, an excellent safety record, or a low likelihood of having liability claims will cost much less to insure than fast, unsafe models.

The table below estimates insurance rates for a handful of the more affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Chula Vista, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape Limited 4WD $842
Jeep Grand Cherokee Laredo 4WD $920
Ford Explorer Limited AWD $936
Toyota Camry XLE $968
Toyota Tacoma X-Runner 2WD $977
Nissan Altima 2.5 S 4-Dr Sedan $968
Honda CR-V EX 4WD $974
Ford Fusion SEL 4-Dr Sedan $984
Jeep Wrangler Sport 4WD 2-Dr $989
Chevrolet Silverado 2500HD LT Crew Cab 4WD $984
Chevrolet Silverado LT Regular Cab $986
Dodge Grand Caravan CV $998
Ford Edge Limited 2WD $1,034
Honda Accord LX-S 2-Dr Coupe $1,043
Dodge Ram 2500 Crew Cab ST 2WD $1,050
Toyota RAV4 Limited 4WD $1,054
Volkswagen Jetta S 4-Dr Sedan $1,063
Toyota Prius $1,056
Ford F-150 XL Crew Cab 2WD $1,068
Toyota Corolla LE $1,108
Honda Civic LX 2-Dr Coupe $1,126
Chevrolet Impala LT $1,128
Chevrolet Malibu LS $1,138
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in specific Chula Vista, CA garaging location which can impact coverage rates significantly.

By looking at the data, you can see that makes and models like the Ford Escape, Jeep Grand Cherokee, Ford Explorer, and Toyota Camry will be a few of the more affordable vehicles to insure for single parents.

Finding out which company has the cheapest insurance rates for single moms will require more work in order to find the best policy. Each insurer has their own unique process to establish rates, so let’s take a look at the insurance companies with the overall cheapest rates in Chula Vista, CA.

It’s important to know that Chula Vista insurance rates are impacted by many things which can significantly increase or decrease the policy price. Simply turning a year older, buying another vehicle, or having a fender bender can trigger rate changes that can cause some rates to be more affordable than competitors.

Find the Cheapest Car Insurance for Single Moms

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,146
3 CSAA $1,222
4 Century National $1,226
5 Nationwide $1,250
6 21st Century $1,338
7 Grange $1,491
8 Mercury $1,503
9 Progressive $1,512
10 GEICO $1,529
11 Allied $1,541
12 Allstate $1,543
13 The Hartford $1,575
14 MetLife $1,654
15 Unitrin $1,682
16 State Farm $1,699
17 Esurance $1,705
18 Bristol West $1,795
19 Travelers $1,860
20 Farmers $2,006
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USAA normally has some of the cheapest car insurance rates in Chula Vista at around $1,143 each year. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also some of the cheaper Chula Vista, CA insurance companies.

In the above rates, if you buy coverage from Century National and switched to USAA, you may see a yearly price reduction of in the vicinity of $83. Customers with Nationwide might save as much as $107 a year, and 21st Century policyholders might cut rates by $195 a year.

These rates are averages across all drivers and vehicles and and are not calculated with a vehicle location for single moms. So the car insurance company that fits you best may not even be in the top 24 companies in the list above. That affirms the importance of why you need to get quotes using your own driver data and vehicle information.

Types of discounts on Chula Vista auto insurance

Save on insurance for single parents in Chula VistaInsurance companies that provide policies for single moms may additionally offer discounts that can reduce rates by as much as 30% if you are eligible. Companies and some of the discounts are outlined below.

The chart below compares auto insurance rates with and without discounts. The premiums are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, defensive driving course, safe-driver, multiple vehicle, passive restraint, and anti-theft discounts applied. When discounts are factored in, theaverage yearly reduction on insurance for single moms is 28% or $640.

The chart below illustrates how choosing a deductible can impact insurance rates when researching cheap insurance for single moms. The premiums are based on a single male driver, comp and collision included, and no policy discounts are applied.

The chart above illustrates that a 30-year-old driver could reduce rates by $488 a year by increasing from a $100 deductible to a $500 deductible, or save $736 by using a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could drop their prices as much as $1,432 every year by selecting a higher deductible. If you do decide to increase your deductibles, it is essential to have enough savings to be able to cover the extra out-of-pocket expense associated with higher deductibles.

How to find budget-friendly auto insurance for single moms

Below you’ll find some of the better penny-pinching suggestions that can help California drivers get cheaper auto insurance.

The last item on the list is remarkably crucial, as we emphasized in this piece. Prices in Chula Vista change constantly, so you should be ready to change to a new company if a better rate can be found.

Having a favorite company is fine, but it’s not recommended if it’s costing you money that could be going to better use. If you have a few minutes, compare rates and find cheaper auto insurance for single moms.

If you wish to have a consultation when comparing insurance rates for single moms, the agents listed below can provide answers to your questions and help you determine which car insurance policy is best. To find an agent using an interactive map, click the button below the list.

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