Who Has the Cheapest Car Insurance Quotes for a Company Car in Chula Vista?

The vehicle you are trying to insure is probably the largest consideration when comparing quotes for cheaper car insurance for a company car. Vehicles with economical engines, good safety features, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models.

The table below outlines car insurance premiums for the more affordable vehicles to insure.

Cheapest Vehicles to Insure in Chula Vista, CA
Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 2WD $794
Honda Accord EX-L 4-Dr Sedan $865
Toyota Prius $883
Honda CR-V EX-L 2WD $893
Toyota RAV4 Limited 2WD $943
Jeep Grand Cherokee Laredo 4WD $953
Dodge Grand Caravan SE $975
Toyota Camry SE $993
Hyundai Elantra GLS 4-Dr Sedan $998
Toyota Corolla S $993
Honda Civic DX 4-Dr Sedan $1,009
GMC Sierra 2500HD SLE Regular Cab 4WD $1,011
Ford F-150 STX Regular Cab 4WD $1,021
Nissan Altima Hybrid 4-Dr Sedan $1,011
GMC Sierra SLT Extended Cab 2WD $1,017
Chevrolet Impala LT $1,032
Ford Edge SEL AWD $1,040
Find Cheaper Rates Go

Data assumes 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, safe-driver, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in vehicle location which can affect prices considerably.

By looking at the data, makes and models like the Ford Escape, Honda Accord, Toyota Prius, and Honda CR-V should be the most budget-friendly vehicles to insure for your employer’s vehicle.

Finding reliable, budget auto insurance is tough enough, and finding out which company has the lowest-priced car insurance rates for a company car takes even more perseverance.

Each insurer has a unique approach to set their prices, so to begin we’ll rank the overall cheapest car insurance companies in Chula Vista, CA.

Best Insurance Companies in California

Click to Compare Rates Now

Cheapest auto insurance in California ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,143
2 CSAA $1,186
3 Century National $1,190
4 Wawanesa $1,192
5 Nationwide $1,226
6 21st Century $1,338
7 Mercury $1,488
8 Grange $1,491
9 Progressive $1,496
10 Allstate $1,543
11 GEICO $1,559
12 Allied $1,588
13 MetLife $1,590
14 The Hartford $1,623
15 Esurance $1,688
16 Unitrin $1,733
17 State Farm $1,733
18 Bristol West $1,849
19 Travelers $1,860
20 Farmers $2,006
View More Rates Go

USAA generally has some of the best car insurance rates in Chula Vista at around $1,143 per year. This is $508 less than the average price paid by California drivers of $1,651. CSAA, Century National, Wawanesa, and Nationwide also rank well as some of the cheapest Chula Vista, CA insurance companies.

In this example, if you are a policyholder with Nationwide and switched to CSAA, you could realize an annual premium reduction of upwards of $40. Drivers with 21st Century might save as much as $152 a year, and Mercury customers might lower prices by up to $302 a year.

To see if you’re overpaying, click here to start your free quote or visit any of the low-priced companies below.

It’s important to note that these policy prices are averaged for all insureds and vehicles and do not factor in an exact zip code location for a company car. So the car insurance company that has the cheapest rates for you may not even be in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

Discounts on Chula Vista car insurance rates

Cheaper Chula Vista, CA car insurance for your employer's vehicleInsurance companies that offer coverage for a company car may also give you premium discounts that can reduce rates by 40% or more if you meet specific criteria. Larger car insurance companies and a partial list of their discounts are shown below.

The information below shows the comparison of car insurance costs with and without discounts being applied to the rates. The data is based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple vehicle, vehicle safety, passive restraint, defensive driving course, anti-theft, and accident-free discounts applied. In this example, the average amount saved each year on car insurance for a company car is 28% or $957.

The information below illustrates how choosing a deductible can affect annual premium costs when getting quotes for cheap insurance for a company car. The data assumes a married male driver, full coverage, and no discounts are factored in.

The data above shows that a 30-year-old driver could cut expenses by $342 a year by switching from a $100 deductible to a $500 deductible, or save $516 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old, can cut up to $1,026 each year by using higher deductibles when buying full coverage. If you do raise deductibles, it is essential to have enough spare savings to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Choosing a high-quality auto insurance provider can be difficult considering how many companies there are in Chula Vista. The company rank data displayed below could help you analyze which insurers to look at buying from.

These ratings include companies with a nationwide focus, so companies that have a smaller presence are not factored into this list. If you’d like to compare prices from the insurers below and more, just click here.

Best 15 Car Insurance Companies for a Company Car 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
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

How to find budget-friendly insurance for a company car

Lowering your rates is not difficult, and here are some of the better penny-pinching solutions that can help Chula Vista drivers locate low-cost auto insurance.

The final tip is extraordinarily significant, as we emphasized in this write-up. Car insurance prices in Chula Vista fluctuate constantly, so don’t be hesitant to switch carriers if a better rate can be found. Many consumers stick with the same company and that’s fine, but it isn’t a good idea if it’s costing you big bucks every year. Take a couple minutes and shop around and find cheaper insurance for a company car.