Which Company has the Cheapest Car Insurance in Chula Vista, CA?

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For drivers in Chula Vista, one of the big components that are looked at to determine the annual cost of car insurance is your zip code in Chula Vista. Larger areas likely pay more, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.

The following table rates the highest-priced areas in California to buy an auto insurance policy in. Chula Vista is ranked #24 costing $1,311 for the average policyholder, which is around $109 each month.

How much does auto insurance cost in Chula Vista?
Rank City Premium Per Year
1 Los Angeles $2,168
2 Glendale $2,079
3 Oakland $1,755
4 San Francisco $1,745
5 Sacramento $1,720
6 Stockton $1,603
7 San Bernardino $1,596
8 Santa Clarita $1,595
9 Long Beach $1,562
10 Garden Grove $1,554
11 Fontana $1,519
12 Moreno Valley $1,506
13 Fresno $1,502
14 Modesto $1,502
15 Santa Ana $1,497
16 Riverside $1,482
17 Anaheim $1,474
18 San Jose $1,423
19 Huntington Beach $1,416
20 Bakersfield $1,394
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Premium amounts are estimated as the garaging address in Chula Vista can lower or raise prices substantially.

Now that we know where Chula Vista ranks on price, figuring out which companies quote the cheapest car insurance rates in Chula Vista will take a little more sweat than just comparing a company or two.

Each auto insurance company uses a little different formula to establish rates, so we'll go over the most budget-friendly car insurance companies in Chula Vista, CA. It's important to know that California car insurance rates are calculated based on many things which can significantly increase or decrease the cost of having a policy. Improving your credit rating, buying another vehicle, or getting a couple of tickets may cause policy rate changes that can now make some companies cheaper than before.

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Rankings for the cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,121
2 Century National $1,178
3 CSAA $1,186
4 Wawanesa $1,192
5 Nationwide $1,250
6 21st Century $1,338
7 Grange $1,477
8 Mercury $1,488
9 Progressive $1,512
10 GEICO $1,513
11 Allstate $1,543
12 Allied $1,556
13 The Hartford $1,623
14 MetLife $1,638
15 State Farm $1,699
16 Esurance $1,705
17 Unitrin $1,733
18 Bristol West $1,795
19 Travelers $1,806
20 Farmers $1,966
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USAA generally has some of the cheapest car insurance rates in Chula Vista at around $1,121 a year. This is $530 less than the average rate paid by California drivers of $1,651. Century National, CSAA, Wawanesa, and Nationwide would also make the list of some of the lowest-priced Chula Vista, CA auto insurance companies.

As the rates illustrate above, if you currently have a policy with CSAA and switched to USAA, you could realize an annual premium reduction of in the neighborhood of $65. Customers with Wawanesa could save as much as $71 a year, and Nationwide customers might realize rate reductions of up to $129 a year.

Understand that those rates are averaged for all drivers and vehicles and and are not calculated with an exact location in Chula Vista. So the company that fits your age and vehicle best may not even be in the list above. That underscores the importance of why you need to get auto insurance quotes using your own driver information and specific vehicle type.

The vehicle model you are insuring is probably the biggest factor in finding the cheapest insurance in Chula Vista. Vehicles with average performance, good crash test ratings, or a positive history of liability claims will cost quite a bit less to insure than high performance models.

The table below illustrates auto insurance premiums for a selection of the more affordable automobiles to insure in California.

Cheapest Vehicles to Insure in Chula Vista, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLT 4WD $806
Honda CR-V EX-L 4WD $815
Dodge Grand Caravan SE $884
Ford F-150 STX Regular Cab 4WD $889
Honda Accord LX 4-Dr Sedan $888
Chevrolet Malibu Hybrid $934
Volkswagen Jetta LE 4-Dr Sedan $942
Jeep Grand Cherokee Laredo 2WD $934
Toyota RAV4 Limited 4WD $943
Jeep Wrangler Sport Islander Package 4WD 2-Dr $944
Toyota Prius $956
Toyota Tacoma 2WD $1,000
Toyota Corolla XRS $1,008
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in specific garaging location which can change rates significantly.

Based upon the table data, makes and models like the Ford Escape, Honda CR-V, and Dodge Grand Caravan are most likely to be a few of the most affordable vehicles to insure for drivers in Chula Vista.

Full coverage rates vs. liability-only

Reducing premiums for auto insurance is the goal of the majority of vehicle owners, and one great way to find cheaper insurance in Chula Vista is to not buy full coverage. The chart below illustrates the comparison of car insurance costs when comparing full coverage to liability only. The information is based on a clean driving record, no claims, $500 deductibles, single marital status, and no discounts are applied.

If the expense is averaged for all age categories, comprehensive and collision coverage on your policy costs an extra $2,273 per year more than insuring for liability only. At some point, every insured wonders if buying full coverage is a good investment. There is no exact formula to stop buying comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let's assume your vehicle's claim settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after paying the physical damage deductible. If you are currently paying more than $600 a year for physical damage coverage, then you may need to consider dropping full coverage.

There are a few cases where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage.

The information below illustrates how your choice of deductibles can impact insurance costs when researching cheap insurance in Chula Vista. The data assumes a married male driver, comp and collision included, and no policy discounts are applied.

A 30-year-old driver could reduce rates by $460 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $692 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could possibly save $1,398 every year by choosing a larger deductible amount. When using a larger deductible, it's a good idea to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

How to find budget-friendly insurance in Chula Vista

Below you'll find some money-saving suggestions that can help you locate low-cost car insurance.

That final tip is remarkably important, as was noted in this write-up. Prices charged by car insurance companies can change significantly in a year, so you should be ready to switch to a new company if you can save money. Many consumers stick with the same company and that's fine, but it's not a great idea if it's costing you several hundred dollars every year. Spend a few minutes and shop around to find cheaper insurance in Chula Vista in Chula Vista.

If you aren't clear which coverage you need and would like to get some guidance when shopping around for cheaper insurance for drivers in Chula Vista, the agencies below can provide answers to your questions and help you determine which insurance coverage will be best for you. To locate a Chula Vista auto insurance agent near you, click the button following the list.

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