The words "low-priced" and "insurance" really don't belong together, specifically when you are trying to find the best car insurance rates for drivers under 25. Because it's not cheap, let's go over a few of the factors that can significantly affect car insurance prices, and see how we can help you take a little off the next policy you buy.
Finding dependable, budget auto insurance is not most people's favorite thing to do, and determining which companies have the best auto insurance rates for drivers under 25 calls for even more rate comparisons.
Every insurance company uses a different method for determining rates in each state, so we need to take a look at the most budget-friendly auto insurance companies in Chula Vista, CA.
Find the Best Cheap Insurance for Young Drivers
|Rank||Company||Cost Per Year|
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USAA has some of the cheapest car insurance rates in Chula Vista at around $1,155 a year. Wawanesa, CSAA, Nationwide, and Century National also make the cut as some of the most economical Chula Vista, CA auto insurance companies.
In this example, if you are insured with Nationwide and switched to USAA, you may realize an annual premium reduction of in the vicinity of $71. Customers with Century National may save as much as $71 a year, and 21st Century insureds might reduce prices by as much as $170 a year.
To see how much you can save, click here to get a free quote or quote prices from the following companies.
It's important to note that these policy prices are averaged across all types of insureds and vehicles and are not factoring in a vehicle location for drivers under 25. So the insurer that fits you best may not even be in the top 24 companies shown above. That helps illustrate why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
For drivers age 25 and younger, one of the more important things that help determine car insurance rates is the neighborhood you call home in Chula Vista. Areas with a lot of weather claims or more people will most likely have higher rates, whereas areas with less congestion have the benefit of cheaper car insurance.
The next table ranks the most expensive areas in California for drivers under 25 to purchase auto insurance in. Chula Vista is ranked #22 having an annual price of $1,350 for the average policy, which is around $113 monthly.
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Prices are approximated as zip code location can modify coverage rates significantly.
The car, truck, or SUV driven is probably the largest consideration when consumers are trying to find low-priced insurance for drivers under 25. Vehicles with high performance features, a lack of advanced safety features, or a track record of large liability claims will cost significantly more to insure than more modest models. The next list showcases coverage rates for a handful of the more affordable vehicles to insure in California.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 4WD||$2,070|
|Ford Escape XLT 4WD||$2,080|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$2,242|
|Ford F-150 XL Super Cab 4WD||$2,272|
|Ford Edge SE AWD||$2,394|
|Honda Odyssey EX||$2,399|
|Volkswagen Jetta SE 2.5 Station Wagon||$2,402|
|Chevrolet Malibu Hybrid||$2,424|
|Toyota RAV4 4WD||$2,430|
|Dodge Grand Caravan Hero||$2,424|
|Chevrolet Impala LT||$2,430|
|Ford Explorer Eddie Bauer AWD||$2,454|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$2,461|
|Ford Focus SEL 4-Dr Sedan||$2,544|
|Hyundai Elantra GLS 4-Dr Sedan||$2,574|
|Toyota Camry XLE||$2,584|
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Price data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in garaging location in Chula Vista, CA which can decrease or increase premium rates greatly.
Looking at the rates, you can infer that models like the Honda CR-V, Ford Escape, and Jeep Wrangler will definitely be the cheaper vehicles to insure for drivers age 25 and younger. Prices will be more expensive because there is more liability exposure for drivers under 25, but in general those vehicles will have the cheapest auto insurance rates compared to other types of vehicles.
Discounts on Chula Vista car insurance
Insurance providers that offer quotes for drivers under 25 may additionally offer rate discounts that can reduce rates by as much as 35% or more if you meet eligibility requirements. A few popular companies and a partial list of their discounts can be found below.
- GEICO may offer discounts for membership and employees, multi-policy, anti-lock brakes, military active duty, defensive driver, and federal employee.
- SAFECO offers discounts including safe driver, anti-theft, accident prevention training, multi-car, and anti-lock brakes.
- State Farm offers discounts for multiple policy, accident-free, good driver, defensive driving training, and student away at school.
- MetLife may have discounts that include accident-free, defensive driver, good driver, multi-policy, and claim-free.
- 21st Century discounts include anti-lock brakes, 55 and older, good student, homeowners, student driver, driver training, and early bird.
- Progressive offers premium reductions for online quote discount, online signing, continuous coverage, multi-policy, good student, and multi-vehicle.
The chart below shows the comparison of insurance rates with and without discounts applied to the premium. The premiums are based on a female driver, no violations or claims, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with paperless filing, anti-theft, good student, paid-in-full, continuous coverage, and passive restraint discounts applied. In this example, the average amount saved each year on auto insurance for drivers under 25 is 21% or $683.
Drive safe and save
The easiest way to get good auto insurance prices in California for drivers age 25 and younger is to be a safe driver and maintain a clean driving record. The diagram below illustrates how traffic citations and fender-benders can raise car insurance rates for different age groups. The data is based on a married female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of auto insurance per year with no violations or accidents is $1,882. Factor in two speeding tickets and the average cost rises to $2,667, an increase of $785 each year. Now throw in two accidents along with the two speeding tickets and the annual cost of auto insurance for drivers under 25 increases to an average of $5,966. That's an increase of $4,084, or $340 per month, just for a couple of infractions!
Don't make the mistake of not shopping around
Chula Vista auto insurance rates are calculated based on many things that control the cost of having a policy. Simply having a birthday, buying a different vehicle, or getting a couple of tickets may cause policy rate changes resulting in some companies being cheaper in comparison to the competition.
Also, companies change the rates they charge in California without warning as an adjustment for underwriting gains or losses. Higher than usual claims may result in increased policy costs, while profitable underwriting can result in more affordable Chula Vista car insurance rates.
To help illustrate this point, the bar chart below shows which companies have the cheapest car insurance in Chula Vista, CA for a 45-year-old male driver with no accidents or violations, and excellent credit. When quoting prices based on his personal profile, USAA may offer the lowest car insurance rates in Chula Vista at $1,121 each year. This is $530 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also on the list of the top five cheapest Chula Vista, CA auto insurance companies.
The chart below compares rates after we give the driver from the first set of rates a chargeable accident, bad credit, and a stop sign violation. Since each auto insurer uses their own calculation to set policy rates, comparing insurance quotes may now result in a different list of affordable Chula Vista car insurance companies as shown below.
Grange now has the best auto insurance rate in Chula Vista, CA with Mercury, Progressive, Allstate, and GEICO completing the list. This illustrates why it is critical to shop around to get affordable auto insurance quotes for drivers under 25.
Car insurance prices consist of many risk factors and change frequently, so the best price when you bought your policy may now not even be in the top five.
If you aren't sure which coverage to buy and prefer to get some guidance when shopping for the best coverage for drivers under 25, the agents listed below are willing to provide answers to your questions and help you determine which policy fits your needs best. To find a Chula Vista insurance agent closest to you, click the button at the bottom of the list or click here to compare price quotes.
Farmers Insurance - Patricia Ruiz
2568 Waterline Way - Chula Vista, CA 91914 - (619) 482-7011
Bernardo Vasquez - State Farm Insurance Agent
460 3rd Ave a - Chula Vista, CA 91910 - (619) 425-6560
Daylight Insurance Brokerage
900 Lane Ave #128 - Chula Vista, CA 91914 - (619) 240-7164