Who Has Cheap Car Insurance Rates for Police Officers in Chula Vista?

For law enforcement personnel, one of the more important things that help determine the amount you pay each year for auto insurance is where you live. Areas with more people or higher crime rates will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of lower rates.

The information below ranks the most expensive areas in California for police officers to purchase car insurance in. Chula Vista shows up at #25 with a yearly premium of $1,311 for the average policyholder, which is approximately $109 each month.

How much does auto insurance cost in Chula Vista?
Rank City Annual Rate
1 Glendale $2,121
2 Los Angeles $2,104
3 Sacramento $1,720
4 Oakland $1,704
5 San Francisco $1,693
6 San Bernardino $1,628
7 Long Beach $1,626
8 Stockton $1,588
9 Garden Grove $1,554
10 Santa Clarita $1,533
11 Modesto $1,532
12 Fontana $1,519
13 Moreno Valley $1,506
14 Riverside $1,482
15 Anaheim $1,474
16 Fresno $1,472
17 Santa Ana $1,453
18 Huntington Beach $1,402
19 Fremont $1,389
20 San Jose $1,381
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Prices are estimated as the specific zip code location can alter premiums noticeably.

The type of vehicle you are insuring is one of the primary factors when shopping for economical auto insurance for police officers. Vehicles with lots of speed or power, poor passenger safety features, or an increased likelihood of liability claims will cost more to insure than safer models. The information below shows car insurance rates for the cheaper vehicles to insure.

Cheapest Vehicles to Insure in Chula Vista, CA
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V EX 4WD $806
Ford Escape Limited 2WD $812
Ford F-150 STX Regular Cab 4WD $884
Dodge Grand Caravan CV $894
Chevrolet Equinox LT 2WD $934
Jeep Grand Cherokee Laredo 4WD $939
Jeep Wrangler Sport Islander Package 4WD 2-Dr $944
Toyota Tacoma Double Cab 4WD $950
Toyota Prius $956
Hyundai Elantra SE Touring Station Wagon $962
Volkswagen Jetta S 2.5 Station Wagon $970
Ford Explorer XLT 4WD $964
Chevrolet Impala LTZ $984
Ford Edge SEL 2WD $1,000
Honda Odyssey Touring $1,005
GMC Sierra SLT Extended Cab 2WD $1,000
Chevrolet Malibu LS $1,020
Nissan Rogue SL AWD $1,050
Toyota Camry LE $1,052
Toyota RAV4 Limited 4WD $1,059
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price information does not factor in vehicle garaging location which can affect coverage rates significantly.

Based upon the rates shown, we can presume that models like the Honda CR-V, Ford Escape, and Ford F-150 should be a few of the most affordable vehicles to insure for law enforcement personnel.

Buying low-priced auto insurance is not easy, and determining which companies quote the cheapest auto insurance rates for police officers will require even more shopping around. Each insurer has their own guidelines for setting prices, so we’ll take a look at the most competitive auto insurance companies in California.

Best Cheap Insurance Rates for Law Enforcement

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Cheapest California auto insurance companies
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 $1,366
7 Grange $1,447
8 Progressive $1,496
9 Mercury $1,503
10 GEICO $1,559
11 Allstate $1,559
12 Allied $1,588
13 MetLife $1,638
14 The Hartford $1,639
15 Unitrin $1,699
16 Esurance $1,739
17 State Farm $1,750
18 Bristol West $1,777
19 Travelers $1,788
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 per year. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the cheapest Chula Vista, CA insurance companies.

In the above rates, if you currently have a policy with CSAA and switched to Wawanesa, you might realize yearly savings of upwards of $40. Customers with Nationwide could save as much as $104 a year, and 21st Century customers might reduce rates by $220 a year.

To see if you’re overpaying, click here to get quotes or click several companies below for low rates.

Understand that those policy rates are averaged for all types of drivers and the different vehicles they drive and do not factor in a specific zip code for police officers. So the auto insurance company that fits you best may not even be in the top 24 companies in the list above. That underscores the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.

Types of discounts on Chula Vista auto insurance

Auto insurance for law enforcement personnel in Chula Vista, CAAuto insurance companies that offer coverage for police officers may also offer premium discounts that can lower rates by as much as 35% if you meet specific eligibility requirements. A list of auto insurance companies and a selection of discounts are:

The diagram below shows the difference between insurance costs with and without policy discounts. The prices are based on a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with marriage, accident-free, claim-free, safe-driver, vehicle safety, and homeowner discounts applied. With discounts applied, theamount saved on auto insurance for police officers is 28% or $493.

Buying coverage from a highly-rated car insurance provider can be difficult considering how many choices there are in Chula Vista. The rank data shown next could help you choose which car insurance companies to look at buying from.

These ratings are only made up of the largest companies in the United States, so smaller regional companies are not factored into this list. To get price quotes from the insurers below and more, just click here.

Best 15 Auto Insurance Companies for Police Officers in California
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
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Data Source: Insure.com Best Car Insurance Companies

Liability rates compared to full coverage

Finding cheaper auto insurance is the goal of the majority of drivers, and an effective way to pay lower rates for insurance for police officers is to only buy liability coverage. The chart below shows the difference between annual premium 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, $500 deductibles, marital status is single, and no other discounts are factored in.

Averaged for all age groups, physical damage coverage costs an extra $2,273 per year more than insuring for liability only. That is a large expense which might make you wonder when is the right time to remove full coverage. There is no set rule for excluding comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your vehicle’s replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after the policy deductible has been paid. If it’s costing in excess of $600 a year for full coverage, then it might be time to buy liability only.

There are some cases where eliminating full coverage is not advised. If you still owe money on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage.

How to find economical auto insurance for police officers

The list below shows some penny-pinching solutions that can help California drivers locate lower-cost auto insurance.

That last idea is highly significant, as we stressed in the prior article. Car insurance rates vary considerably, so don’t be afraid to switch carriers if you can save money. Loyalty to a specific company is fine, but it’s not a good idea if your bullheadedness ends up costing you major coinage every year. Now is a great time to shop around to find cheaper insurance for police officers in Chula Vista.