How Much are Car Insurance Quotes for Homeowners in Chula Vista?

The type of vehicle requiring coverage is a significant factor when quoting the most affordable insurance for homeowners. Vehicles with lower acceleration and performance, good crash test ratings, or a positive history of liability claims will cost less to insure than high performance models.

The list below illustrates insurance premiums for the most cost-effective vehicles to insure.

Cheapest Vehicles to Insure in Chula Vista, CA
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 2WD $788
Ford Escape XLT 4WD $806
Honda Odyssey LX $866
Toyota Prius $872
Ford Explorer XLT 4WD $884
Honda Accord LX-P 4-Dr Sedan $888
Ford Focus SE 4-Dr Sedan $916
Ford Edge SEL 2WD $924
Jeep Wrangler Sport Islander Package 4WD 2-Dr $978
Ford F-150 XLT Super Cab 4WD $984
Toyota Corolla XLE $993
Chevrolet Impala LS $1,000
Dodge Grand Caravan Hero $1,020
Chevrolet Malibu Hybrid $1,029
GMC Sierra SL Extended Cab 2WD $1,020
Toyota Tacoma 2WD $1,028
Honda Civic GX 4-Dr Sedan $1,034
Nissan Rogue SL AWD $1,050
Toyota RAV4 Sport 2WD $1,052
Jeep Grand Cherokee Laredo 2WD $1,061
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in your specific Chula Vista, CA location which can impact rates greatly.

Based on these rates, makes and models like the Honda CR-V, Ford Escape, Honda Odyssey, Toyota Prius, and Ford Explorer will be a few of the most economical vehicles to insure for people who own their homes.

For people who own their homes, one of the more important considerations that are looked at to help calculate the price you pay for insurance is where you live in Chula Vista. Larger areas are more likely to pay higher prices, whereas areas with less congestion profit from lower rates.

The following table ranks the priciest cities in California for homeowners to buy auto insurance in. Chula Vista is ranked at #25 with a yearly cost of $1,298 for the average policyholder, which is around $108 monthly.

How much is car insurance in Chula Vista?
Rank City Premium Per Year
1 Los Angeles $2,168
2 Glendale $2,079
3 San Francisco $1,711
4 Oakland $1,704
5 Sacramento $1,669
6 San Bernardino $1,628
7 Santa Clarita $1,595
8 Long Beach $1,562
9 Stockton $1,556
10 Garden Grove $1,554
11 Modesto $1,547
12 Moreno Valley $1,536
13 Riverside $1,527
14 Fontana $1,519
15 Fresno $1,517
16 Anaheim $1,488
17 Santa Ana $1,453
18 Huntington Beach $1,416
19 San Jose $1,381
20 San Diego $1,368
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Annual rates are approximated as zip code location can lower or raise auto insurance rates considerably.

Choosing a good quality car insurance company is difficult considering how many different companies there are to choose from in Chula Vista. The company rank data shown next can help you choose which auto insurance companies to look at when shopping car insurance rates for homeowners.

These rankings are only made up of companies that write coverage in many states, so companies without a large exposure are not taken into consideration for the list. To compare rates and find cheaper insurance for homeowners, click this link.

Chula Vista, CA Car Insurance Company Rankings
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
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Data Source: Best Car Insurance Companies

Liability-only versus full coverage

Finding cheaper car insurance is the goal of the majority of vehicle owners, and a great way to lower the cost of insurance for homeowners is to not buy full coverage. The diagram below visualizes the comparison of insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are factored in.

On average, comprehensive and collision coverage on your policy costs $2,003 per year over having just liability coverage. Many drivers will wonder if buying full coverage is a good investment. There is no set guideline of when to eliminate physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

Compare rates to save

Chula Vista, CA car insurance rates are determined by lots of factors that may substantially change the policy premium. Simply having another birthday, moving to a different location, or getting a reckless driving citation can trigger changes in premium resulting in some companies being much cheaper than others. And not only may your rating factors change, but car insurance companies amend pricing at least once a year to adjust for gains or losses. An extended period of higher than normal claims can cause price increases, while lower claims may produce cheaper Chula Vista car insurance rates.

To illustrate this point, the bar chart below shows which companies have the cheapest car insurance in Chula Vista, CA for a 40-year-old male driver with no violations or accidents, and good credit. When quoting prices based on his current risk profile, USAA might offer the most affordable car insurance rates in Chula Vista at $1,121 a year. This is $530 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the rest of the most affordable Chula Vista, CA auto insurance companies.

In the next rate comparison, we’ll give the driver from the above example a claim, a little lower credit rating, and a traffic citation. Due to the fact that every auto insurer has their own guidelines to determine rates, comparing prices could result in a substantially altered list of the cheapest companies as shown below.

Grange now has the best auto insurance rate in Chula Vista with Mercury, GEICO, Allied, and Progressive now rounding out the top five. This example illustrates why it is so important to take the time to shop around when trying to get the lowest car insurance rates for homeowners.

Prices can be determined by many things and change frequently, so the cheapest rate a year ago may now not even be in the top five.

How to find cheaper auto insurance for homeowners

Lowering your rates is not difficult, and here are a few thrifty ideas that can help Chula Vista drivers get cheaper car insurance.

The last tip is notably vital, as was pointed out in the article above. Rates vary greatly, so don’t be unwilling to change insurance companies if you can save money.

Many drivers have brand loyalty and that’s fine, but it’s not recommended if that inflexibility results in costing you lots of hard earned cash every month. Spend a few minutes and shop around to find cheaper insurance for homeowners in Chula Vista.

The Chula Vista auto insurance agencies shown below can help you determine which coverages and limits you need, as some drivers have questions and prefer to get some guidance when trying to find the best insurance rates for people who own their homes. It can be hard to find the cheapest auto insurance company, and a licensed agent can add satisfaction knowing you have adequate protection. To find a Chula Vista insurance agency in your neighborhood, click the link at the bottom.

More Chula Vista, CA insurance agents