Who Has Cheap Auto Insurance for Safe Drivers in Chula Vista?

The vehicle model you are trying to insure is one of the main factors when quoting cheaper auto insurance for safe drivers. Vehicles with lower acceleration and performance, a great safety record, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models. The table below showcases coverage premiums for a number of the most cost-effective vehicles to buy coverage for.

Cheapest Vehicles to Insure in Chula Vista, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $794
Honda CR-V EX 2WD $802
Ford Escape XLT 4WD $812
Dodge Grand Caravan SE $891
Toyota RAV4 4WD $943
Chevrolet Equinox LS 2WD $948
Toyota Prius $995
Jeep Wrangler Rubicon 4WD 2-Dr $1,011
Toyota Corolla XRS $1,020
Ford F-150 STX Regular Cab 4WD $1,011
GMC Sierra 2500HD SLE Extended Cab 4WD $1,019
Chevrolet Silverado LS Extended Cab 4WD $1,031
Chevrolet Impala LT $1,041
Chevrolet Malibu LT $1,051
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,060
Nissan Rogue SL AWD $1,062
Hyundai Elantra Blue 4-Dr Sedan $1,066
Honda Civic VP 4-Dr Sedan $1,072
Nissan Altima 2.5 S 2-Dr Coupe $1,080
Ford Explorer Eddie Bauer AWD $1,086
Ford Edge Sport 2WD $1,088
Ford Focus SES 4-Dr Sedan $1,095
Dodge Ram Quad Cab Laramie 2WD $1,098
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rates do not factor in garaging location in Chula Vista, CA which can impact price quotes considerably.

Based upon the rates shown, you can figure that vehicles like the Honda Accord, Honda CR-V, and Ford Escape are likely to be a few of the cheaper vehicles to insure for good drivers.

Deciphering which company offers the cheapest auto insurance rates for safe drivers calls for a bit more effort than just getting one or two price quotes.

Each insurance company has a different process for setting prices, so we will examine the lowest cost auto insurance companies in Chula Vista.

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,155
2 Wawanesa $1,192
3 Nationwide $1,213
4 Century National $1,214
5 CSAA $1,222
6 21st Century $1,338
7 Grange $1,477
8 Progressive $1,512
9 Allstate $1,513
10 Mercury $1,533
11 Allied $1,541
12 GEICO $1,559
13 MetLife $1,590
14 The Hartford $1,639
15 State Farm $1,733
16 Unitrin $1,750
17 Esurance $1,756
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 $1,155 a year. Wawanesa, Nationwide, Century National, and CSAA also are some of the cheapest Chula Vista, CA insurance companies.

In this example, if you currently buy coverage from Century National and switched to Wawanesa, you might realize savings of around $22. Customers with CSAA might save as much as $30 a year, and 21st Century insureds might lower prices by $146 a year.

Remember that these rates are averages across all insureds and vehicles and and are not figured with a specific zip code for safe drivers. So the insurer that can offer you the best price may not even be in the top 24 companies shown above. That emphasizes why you need to compare rates from multiple companies using your own driver and vehicle profiles.

How to get discounts on Chula Vista auto insurance rates

Discounts on auto insurance for safe driversInsurers that offer cheap quotes for safe drivers may also give you policy discounts that can lower rates by 40% or more if you meet specific eligibility requirements. A few popular companies and their offered discounts are:

The illustration below compares auto insurance costs with and without some available policy discounts. The premiums are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with safe-driver, vehicle safety, marriage, claim-free, accident-free, and defensive driving course discounts applied. When these discounts are applied to the policy premium, theamount saved on auto insurance for safe drivers is 28% or $516.

Best auto insurance in Chula Vista

Choosing a good quality car insurance provider can be challenging considering how many companies provide coverage in Chula Vista. The rank data shown below could help you select which car insurance companies to look at purchasing coverage from.

The rankings below are for the largest companies in America, so companies that focus mainly on California business are not taken into consideration for these rankings. To check prices from many more California auto insurance companies, click this link.

Chula Vista, CA Auto 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
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: Insure.com Best Car Insurance Companies

Cost of full coverage in Chula Vista

Saving money when shopping for auto insurance is the goal of the majority of people, and one of the best ways to lower the cost of insurance for safe drivers is to buy only liability coverage. The chart below illustrates the difference between insurance costs with liability coverage only compared to full coverage. The costs are based on no accidents, no driving violations, $250 deductibles, single marital status, and no other discounts are factored in.

If all age groups are averaged, physical damage insurance costs $2,314 per year over and above liability only. A very common question is if buying full coverage is a waste of money. There is no set rule for excluding comp and collision coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s say your vehicle’s book value is $7,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,500 after the policy deductible has been paid. If you are paying more than $650 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some scenarios where only buying liability is not a good idea. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Tips for buying budget-friendly auto insurance for safe drivers

Here are a few penny-pinching ideas that can help you buy low-cost car insurance.

The last tip in the list is particularly critical, as was pointed out in this article. Prices charged by companies vary greatly, so you should be ready to switch companies if a cheaper rate is available. Brand loyalty is great, but it’s not a great idea if that loyalty ends up costing lots of hard earned cash every month. In just a few minutes you could compare rates and find cheaper car insurance for safe drivers in Chula Vista.