Who Has Cheap Auto Insurance for First-time Drivers in Chula Vista?

The words “affordable” and “auto insurance” really should not be used together, in particular when you are shopping around for the best price on coverage for first-time drivers. Let’s teach you a few of the things that impact insurance prices, and find a way to take the bite out of the next policy you buy.

Figuring out which insurers offer the most affordable car insurance rates for first-time drivers will involve more work than just picking a company at random. Each auto insurer uses their own formula to establish rates, so let’s take a look at the car insurance companies with the overall cheapest rates in Chula Vista, CA.

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Cheapest auto insurance in California ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,146
3 Century National $1,178
4 CSAA $1,186
5 Nationwide $1,250
6 21st Century $1,379
7 Grange $1,433
8 Allstate $1,497
9 GEICO $1,529
10 Mercury $1,533
11 Allied $1,541
12 Progressive $1,542
13 MetLife $1,606
14 The Hartford $1,639
15 State Farm $1,682
16 Esurance $1,705
17 Unitrin $1,733
18 Bristol West $1,831
19 Travelers $1,860
20 Farmers $1,946
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USAA quotes some of the cheapest car insurance rates in Chula Vista at around $1,109 annually. Wawanesa, Century National, CSAA, and Nationwide also are some of the lowest-priced Chula Vista, CA auto insurance companies.

As shown in the rates above, if you are a customer of Nationwide and switched to Wawanesa, you might achieve a yearly price reduction of around $104. Policyholders with 21st Century could save as much as $233 a year, and Grange customers might cut rates by $287 a year.

If you want to see how much you could save, click here to start your custom quote or visit any of the low-priced companies below.

These policy rates are averages for all drivers and vehicles and do not take into consideration an exact zip code location for first-time drivers. So the company that has the lowest price for you may not even be in the list above. That emphasizes why you need to get auto insurance quotes using your own personal information and vehicle type.

One of the many criteria that are used to help calculate the price you pay for insurance is where you keep your car in Chula Vista. More densely populated places likely pay more, whereas areas with lower crime rates and fewer weather claims have the gratification of cheaper auto insurance rates.

The table below lists the priciest cities in California for first-time drivers in which to purchase auto insurance. Chula Vista ranks #25 with an annual cost of $1,311 for the average policy, which is approximately $109 per month.

Car insurance prices in Chula Vista
Rank City Average Per Year
1 Glendale $2,142
2 Los Angeles $2,083
3 Oakland $1,704
4 Sacramento $1,703
5 San Francisco $1,693
6 San Bernardino $1,644
7 Long Beach $1,626
8 Santa Clarita $1,595
9 Garden Grove $1,570
10 Fontana $1,566
11 Stockton $1,556
12 Moreno Valley $1,536
13 Modesto $1,532
14 Fresno $1,517
15 Santa Ana $1,497
16 Riverside $1,497
17 Anaheim $1,474
18 Fremont $1,389
19 San Diego $1,381
20 San Jose $1,381
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Price information shown is approximated as specific Chula Vista zip code can lower or raise prices considerably.

The vehicle model you are insuring is one of the largest factors that determines whether or not you can buy the best car insurance for first-time drivers. Vehicles with more horsepower, poor safety ratings, or a high likelihood of having liability claims will cost more to insure than more economical and safe models.

The next list showcases insurance rates for the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in Chula Vista, CA
Vehicle Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $3,490
Ford Escape XLS 4WD $3,495
Honda CR-V EX-L 4WD $3,522
Toyota Prius $3,768
Toyota Tacoma 4WD $3,924
Dodge Grand Caravan SE $3,929
Ford F-150 STX Regular Cab 4WD $3,924
Volkswagen Jetta SE 2.5 Station Wagon $3,982
Ford Edge SEL 2WD $4,104
Chevrolet Equinox LS 2WD $4,136
Nissan Altima 2.5 4-Dr Sedan $4,142
Toyota Camry LE $4,136
Toyota RAV4 Sport 2WD $4,144
Ford Explorer Eddie Bauer 4WD $4,170
Chevrolet Malibu LT $4,175
Hyundai Elantra Blue 4-Dr Sedan $4,318
Chevrolet Impala LTZ $4,350
Toyota Corolla XLE $4,356
Honda Odyssey EX-L W/Rear Entertainment $4,350
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $4,380
GMC Sierra 2500HD SLE Extended Cab 4WD $4,384
Ford Fusion SEL 4-Dr Sedan $4,392
GMC Sierra SLT Extended Cab 4WD $4,384
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Price data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in specific Chula Vista, CA garaging location which can modify rates significantly.

Based upon the table data, you can figure that vehicles like the Honda Accord, Ford Escape, Honda CR-V, Toyota Prius, and Toyota Tacoma are most likely to be a few of the cheaper vehicles to insure for new drivers. The price of auto insurance will trend higher just due to the fact that there is more liability risk for first-time drivers, but in general those particular models will have the cheapest rates that you’ll find.

Tickets and at-fault accidents raise rates

The common sense way to enjoy the best car insurance rates in California for new drivers is to drive safe and avoid accidents and traffic violations. The example below demonstrates how citations and accidents raise car insurance costs for each age group. The prices are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

The data charted above shows the average cost of auto insurance in Chula Vista per year with no violations or accidents is $1,570. Factor in one speeding ticket and the average cost swells to $1,810, an increase of $239 each year. Now include one accident along with the one speeding ticket and the 12-month cost of car insurance for first-time drivers increases to an average of $2,466. That’s an increase of $896, or $75 per month, just for not driving safely!

Picking the best auto insurance provider is difficult considering how many different companies insure vehicles in Chula Vista. The ranking data in the lists below may help you pick which companies to look at to insure your vehicles.

These ratings are only comprised of companies that insure vehicles across America, so smaller regional companies are not taken into consideration for these rankings. If you’d like to compare prices from the most competitive companies in California, click here.

Top Ten Car Insurance Companies for First-time Drivers in Chula Vista, CA
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: Insure.com Best Car Insurance Companies

Your low-price policy may be costing you money

California car insurance rates are influenced by many factors which can substantially change the price you pay. Improving your credit score, getting divorced, or getting a reckless driving citation can produce rate changes resulting in some companies being more affordable than competitors.

In addition, auto insurance companies modify rates without warning to adjust for unexpected claims or profits. A period of increased losses can cause high rates, while profitable underwriting may result in cheaper Chula Vista car insurance rates.

To illustrate this point, the bar chart below shows which company has the cheapest car insurance in Chula Vista, CA for a 30-year-old female driver with no violations or accidents, and a high credit rating. If we estimate rates based on her current risk factors, USAA quotes the lowest car insurance rates in Chula Vista at $1,109 a year. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also on the list of the top five cheapest Chula Vista, CA auto insurance companies.

In this example, we will give the driver in the first chart a chargeable accident, a lower credit rating, and a traffic citation. Since each auto insurance company uses their own calculation for filing rates in each state, comparing insurance quotes could now result in a slightly different list of affordable companies as shown below.

Grange now has the cheapest insurance rate in Chula Vista with Mercury, Allstate, Progressive, and GEICO also being competitive. This illustrates why it is so important to take the time to shop around when trying to find affordable car insurance quotes for first-time drivers.

Car insurance prices are made up of many risk factors and change dramatically, so the most economical company two years ago may now be costing you a lot of money.

How to find more affordable insurance for first-time drivers

Below you’ll find some of the recommended thrifty ideas that can help Chula Vista drivers get cheaper coverage.

The final tip is notably significant, as was pointed out in the prior article. Prices charged by car insurance companies in Chula Vista change a lot, so don’t hesitate to switch companies if you can find a cheaper rate. Brand loyalty is not necessarily bad, but we do not recommend it if that faithfulness ends up costing you a fortune every year. If you have a few minutes, compare prices to find cheaper car insurance for first-time drivers.

The agents listed below are a good start to answer your questions and help you decide which auto insurance policy fits you best, since lots of people like to get some guidance when comparing insurance rates for first-time drivers. It can be hard to find the cheapest rate yourself, so getting advice from a licensed California insurance agent can give comfort knowing your coverage gives you decent coverage if you have a claim.

To locate a Chula Vista insurance agent close to you, click the link after the list or click here to compare rates now.

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