What Car Insurance is Cheapest for High Mileage Drivers in Chula Vista?

For high mileage drivers, one of the more important factors that determine the amount you pay each year for auto insurance is where you call home in Chula Vista. Areas with more people or higher crime rates tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.

The following table ranks the highest-priced areas in California for high mileage drivers to purchase a policy in. Chula Vista comes in at #25 with the yearly price of $1,298 for the average insured, which is around $108 per month.

How much is auto insurance in Chula Vista, CA?
Rank City Annual Premium
1 Los Angeles $2,146
2 Glendale $2,142
3 Oakland $1,738
4 San Francisco $1,693
5 Sacramento $1,669
6 Stockton $1,603
7 San Bernardino $1,596
8 Long Beach $1,562
9 Moreno Valley $1,551
10 Santa Clarita $1,548
11 Riverside $1,542
12 Modesto $1,532
13 Fontana $1,519
14 Garden Grove $1,508
15 Fresno $1,472
16 Santa Ana $1,453
17 Anaheim $1,430
18 San Jose $1,395
19 Huntington Beach $1,374
20 Fremont $1,361
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Premium costs are approximated as specific location information can change coverage rates greatly.

Locating affordable auto insurance is not the easiest thing to do, and deciding which company has the cheapest car insurance rates for high mileage drivers calls for additional perseverance. Every insurance provider has a different formula to establish rates, so first we will examine the most budget-friendly car insurance companies in Chula Vista.

Cheap Insurance Rates in California

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Cheapest insurance companies in California
Rank Company Cost Per Year
1 USAA $1,109
2 Century National $1,178
3 CSAA $1,186
4 Wawanesa $1,192
5 Nationwide $1,226
6 21st Century $1,379
7 Grange $1,447
8 Mercury $1,488
9 Progressive $1,512
10 GEICO $1,529
11 Allstate $1,543
12 The Hartford $1,591
13 Allied $1,603
14 MetLife $1,654
15 Esurance $1,688
16 Unitrin $1,699
17 State Farm $1,733
18 Bristol West $1,831
19 Travelers $1,860
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 each year. Century National, CSAA, Wawanesa, and Nationwide also qualify as some of the best Chula Vista, CA car insurance companies.

In the rate table above, if you are currently insured with CSAA and switched to USAA, you may see an annual savings of in the neighborhood of $77. Drivers with Wawanesa could save as much as $83 a year, and Nationwide policyholders might reduce prices by as much as $117 a year.

Be aware that those policy rates are averages across all ages of drivers and types of vehicles and and are not calculated with a specific location for high mileage drivers. So the company that fits you best may not even be in the top 24 companies shown above. That point stresses why you need to quote rates from many companies using your own individual information.

Violations and accidents raise rates

The best way to find affordable car insurance premiums in California for high mileage drivers is to be a safe driver and have a clean driving record. The information below demonstrates how speeding tickets and at-fault claims can drive up insurance costs for each age group. The premiums assume a single female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

The chart shows that the average cost of auto insurance in Chula Vista per year with no accidents and a clean driving record is $2,637. Get one speeding ticket and the average cost hikes up to $2,993, an increase of $356 each year. Now get one accident along with the one speeding ticket and the annual cost of car insurance for high mileage drivers goes up to an average of $3,993. That’s an increase of $1,356, or $113 per month, just for a couple of infractions!

Rate comparison of full coverage and liability-only

Lowering the price of car insurance should be important to the majority of people, and one easy way to save on the cost of insurance for high mileage drivers is to only pay for liability coverage. The illustration below illustrates the comparison of insurance costs with full coverage and liability only. The premium estimates are based on no accidents or driving violations, $500 deductibles, single marital status, and no policy discounts are applied.

As an overall average, full coverage on your policy costs an additional $2,075 per year over and above liability only. That brings up the question if you should buy full coverage. There is no definitive rule for excluding comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

There are some circumstances where dropping physical damage coverage is not advised. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not buy liability only.

You may be paying too much for car insurance

Chula Vista, CA car insurance rates are impacted by many things that control the price you pay for coverage. Simply turning a year older, marrying your spouse, or getting a ticket for running a stop sign may cause policy rate changes resulting in some companies being cheaper than competitors. Not only may your situation change, but car insurance companies amend premium rates every year or even multiple times each year to reflect underwriting profits or losses. Larger than normal claims can cause additional price hikes, while profitable underwriting can cause cheaper Chula Vista car insurance rates.

To illustrate this example, the data below shows which companies have the cheapest car insurance in Chula Vista, CA for a 40-year-old female driver with no accidents or violations, and good credit. If we compare prices based on her current situation, USAA offers the cheapest car insurance rates in Chula Vista at $1,155 a year. This is $496 less than the average price paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA round out the rest of the most affordable Chula Vista, CA auto insurance companies.

Let’s now give the driver from the above example some claims, a lower credit score, and a traffic citation. Because every insurance company uses a different method to determine rates, comparing quotes may now present a slightly different list of affordable Chula Vista car insurance companies as shown below.

Mercury now has the lowest car insurance rate in Chula Vista, CA with Grange, Allstate, Allied, and Progressive also being competitive. This shows why it is crucial to perform an extensive rate comparison when trying to find the lowest insurance quotes for high mileage drivers. Car insurance prices are made up of many risk factors and can decrease or increase without notice, so the best company three years ago may now be quite expensive.

If you aren’t sure which coverage to buy and prefer to have professional advice when buying car insurance for high mileage drivers, the professional agents shown below are a good start to provide answers to your questions and help you determine which coverages and limits you need. To find a Chula Vista insurance agent near you, click the link after the list.

Penagos Insurance
1680 BroadwayChula Vista, CA 91911(619) 691-1071

GEICO Insurance Agent
386 E H St Suite 203Chula Vista, CA 91910(619) 264-1751

Applied General Agency / Jake Widmer Insurance
1873 Marquette RdChula Vista, CA 91913(619) 852-1013

View map of Chula Vista, CA insurance agents