Who Has Cheap Chula Vista Auto Insurance Quotes for Good Drivers?

For safe drivers, one of the big things that determine the price you pay for insurance is where you choose to live in Chula Vista. Areas with more people or higher crime rates will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.

The information below lists the highest-priced areas in California for good drivers to purchase car insurance in. Chula Vista comes in at #25 with the yearly price of $1,311 for coverage, which is about $109 each month.

Car insurance prices in Chula Vista
Rank City Annual Premium
1 Glendale $2,121
2 Los Angeles $2,104
3 Oakland $1,738
4 Sacramento $1,703
5 San Francisco $1,693
6 Stockton $1,588
7 San Bernardino $1,580
8 Santa Clarita $1,580
9 Garden Grove $1,570
10 Long Beach $1,562
11 Modesto $1,547
12 Moreno Valley $1,536
13 Fontana $1,535
14 Riverside $1,527
15 Fresno $1,517
16 Santa Ana $1,497
17 San Jose $1,437
18 Anaheim $1,430
19 Fremont $1,403
20 Huntington Beach $1,402
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Price information shown is estimated as the specific garaging location can change auto insurance rates considerably.

Deciding which company offers the most affordable auto insurance rates for good drivers may require a tad more effort in order to find the best policy. Every insurance provider has their own process to set their prices, so we’ll go over the overall cheapest auto insurance companies in Chula Vista.

Keep in mind that Chula Vista auto insurance rates are impacted by many factors that will increase or decrease the price you have to pay. Simply turning a year older, having a claim, or getting a ticket for running a stop sign can produce rate changes that can now make some companies cheaper than before.

Best Car Insurance Prices for Good Drivers

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Rankings for the cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,143
2 Century National $1,190
3 Wawanesa $1,192
4 CSAA $1,222
5 Nationwide $1,263
6 21st Century $1,379
7 Grange $1,433
8 Progressive $1,496
9 Allstate $1,497
10 Mercury $1,533
11 Allied $1,556
12 GEICO $1,559
13 The Hartford $1,575
14 MetLife $1,654
15 State Farm $1,682
16 Unitrin $1,733
17 Esurance $1,756
18 Bristol West $1,831
19 Travelers $1,842
20 Farmers $1,946
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USAA generally has some of the most affordable car insurance rates in Chula Vista at around $1,143 each year. Century National, Wawanesa, CSAA, and Nationwide also rank well as some of the cheapest Chula Vista, CA auto insurance companies.

As illustrated above, if you have coverage with CSAA and switched to Century National, you could earn a yearly price reduction of about $32. Customers with Nationwide may save as much as $73 a year, and 21st Century insureds might see rate reductions of $189 a year.

To see if your current coverage is too expensive, click here to begin a quote or feel free to get quotes from the companies below.

It’s important to note that these rates are averaged across all types of insureds and vehicles and are not factoring in a specific vehicle garaging location for good drivers. So the auto insurance company that can offer you the best rate may not even be in the list above. That underscores the importance of why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

Discounts on Chula Vista insurance

Discounts on auto insurance for good driversInsurers that provide coverage for good drivers may additionally offer rate discounts that could potentially reduce rates by 40% or more if you are eligible to receive them. A list of auto insurance companies and some of the discounts include:

The chart below shows the difference between insurance costs with and without discounts applied to the premium. The price estimates are based on a male driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, homeowner, claim-free, safe-driver, anti-theft, and multiple vehicle discounts applied. When taking advantage of discounts, theaverage amount saved on auto insurance for good drivers is 28% or $630.

Impact of citations and accidents on insurance rates

In a perfect world, the best way to receive low auto insurance prices in California for safe drivers is to drive carefully and not get tickets or have accidents. The example below shows how speeding tickets and fender-benders can raise insurance costs for each different age category. The price estimates are based on a married male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

In the example above, the average cost of a car insurance policy in Chula Vista per year with a clean driving record and no accidents is $1,768. Factor in two speeding tickets and the average cost jumps to $2,437, an increase of $669 each year. Now throw in one accident along with the two speeding tickets and the annual cost of auto insurance for good drivers jumps again to an average of $3,106. That’s an increase of $1,338, or $112 per month, just for not maintaining a clean driving record!

Finding the top insurer can be a challenge considering how many different companies sell coverage in Chula Vista. The company rank data listed below can help you select which auto insurers you want to consider purchasing from.

The ratings below include the largest auto insurers in America, so companies that focus mainly on California business are not factored into these rankings. To check prices from these and other competitive companies, follow 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

The insurance agents in Chula Vista listed below can answer your questions and help you decide which coverage meets your needs best, since lots of people like to have a little guidance when comparing insurance rates for safe drivers. It’s not always easy to find the cheapest auto insurance company, and getting advice from a licensed California insurance agent can provide you satisfaction knowing your coverage gives you sufficient protection if you have a claim.

To find an agent near you, click the button after the list or click here to get price quotes now.

Farmers Insurance: Julie Garcia
2060 Otay Lakes Rd Ste 240Chula Vista, CA 91915(619) 401-1104

Adriana’s Insurance Services
1090 3rd Ave #5Chula Vista, CA 91911(619) 591-1540

Brian Konishi – Allstate Insurance Agent
786 Third AveChula Vista, CA 91910(619) 426-6580

California Brokerage Insurance
355 K StChula Vista, CA 91911(619) 420-8888

More insurance agents in Chula Vista, CA

How to find economical insurance for good drivers

The list below summarizes some of the recommended thrifty solutions that can help you find cheap coverage.

The last idea is remarkably crucial, as we hit on in this article. Rates go up and down frequently, so don’t hesitate to change insurance companies if a better rate can be found.

We understand brand loyalty, but it’s not recommended if that devotion results in you overpaying money that could be going to better use. It takes less than five minutes to shop around and find cheaper auto insurance for good drivers in Chula Vista.