Who Has the Cheapest Chula Vista Car Insurance for Used Cars?

The car, truck, or SUV needing coverage is one of the main factors that determines if you can find the best coverage for used cars. Vehicles with lots of horsepower, poor safety ratings, or high incidents of liability claims will cost more to insure than safer models. The list below features insurance costs for a number of the more affordable automobiles to insure.

Cheapest Vehicles to Insure in Chula Vista, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Dodge Grand Caravan CV $872
Jeep Wrangler Rubicon 4WD 2-Dr $882
Hyundai Elantra GLS Touring Station Wagon $890
Honda Civic DX 4-Dr Sedan $902
Honda CR-V EX-L 4WD $910
Jeep Grand Cherokee Laredo 4WD $920
Toyota Camry SE $968
Toyota Corolla XLE $978
Honda Odyssey Touring $984
Ford F-150 FX2 Super Cab 2WD $998
Ford Escape Limited 4WD $1,034
Toyota Tacoma 2WD $1,041
Kia Optima SX $1,050
Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD $1,057
Toyota Prius $1,056
Dodge Ram Crew Cab Sport 4WD $1,068
Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD $1,075
Ford Explorer Limited 4WD $1,072
GMC Sierra 2500HD SLT Extended Cab 2WD $1,098
Chevrolet Impala LTZ $1,108
Volkswagen Jetta SEL 4-Dr Sedan $1,126
Chevrolet Equinox LTZ AWD $1,131
Toyota RAV4 Limited 4WD $1,128
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Estimates do not factor in your specific Chula Vista, CA location which can influence coverage rates considerably.

Based upon the table data, we can assume that vehicles like the Dodge Grand Caravan, Jeep Wrangler, Hyundai Elantra, Honda Civic, and Honda CR-V will be the cheaper vehicles to insure for pre-owned vehicles.

Trying to find budget auto insurance is tough enough, and determining which insurers offer the best car insurance rates for used cars may require a bit more work.

Every insurance provider has their own guidelines for establishing rates, so first we will examine the car insurance companies that tend to have lower prices in Chula Vista, CA. It’s important that readers know that Chula Vista car insurance rates are based on many factors which can significantly increase or decrease the cost of your policy. This price variability is why it is crucial to take the time to shop around to get the most budget-friendly insurance rates for used cars. Insurance prices are influenced by many risk factors and can change without notice, so the cheapest company when you bought your policy may now be one of the higher cost companies.

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,146
3 Century National $1,178
4 CSAA $1,198
5 Nationwide $1,226
6 21st Century $1,325
7 Grange $1,447
8 Allstate $1,497
9 Mercury $1,533
10 Allied $1,541
11 Progressive $1,542
12 GEICO $1,559
13 The Hartford $1,591
14 MetLife $1,654
15 State Farm $1,733
16 Esurance $1,739
17 Unitrin $1,750
18 Bristol West $1,831
19 Travelers $1,842
20 Farmers $1,966
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USAA may have some of the most affordable car insurance rates in Chula Vista at around $1,143 annually. This is $508 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the cheapest Chula Vista, CA insurance companies.

In this example, if you currently have a policy with Century National and switched to USAA, you could earn a yearly price reduction of in the neighborhood of $35. Customers with CSAA might save as much as $55 a year, and Nationwide customers might reduce rates by $83 a year.

To find out how your current rates compare, click here to start your custom quote or click through to the companies below.

Remember that these rates are averages for all ages of drivers and types of vehicles and are not factoring in a vehicle location for used cars. So the company that has the lowest price for you may not even be in the top 24 companies shown above. That points out the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.

The illustration below highlights how deductible choice can influence insurance rates when searching for cheap insurance for used cars. The rates are based on a married female driver, full coverage, and no additional discounts are factored in.

As shown above, a 30-year-old driver could lower rates by $490 a year by increasing from a $100 deductible to a $500 deductible, or save $736 by using a $1,000 deductible. Younger drivers, like the 20-year-old category, could shave up to $1,042 each year by using higher deductibles when buying full coverage.

If you do decide to increase your deductibles, it is necessary to have emergency funds available to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Do you need full coverage?

Paying a lower price for car insurance is important to most vehicle owners, and an easy way to find cheap insurance for used cars is to only buy liability insurance. The information below shows the comparison of insurance prices with and without full coverage. The rates are based on no claims, a clean driving record, $250 deductibles, single marital status, and no discounts are factored in.

On average, comp and collision coverage costs an additional $2,314 per year more than insuring for liability only. That is a significant amount which raises the question if you should buy full coverage. There isn’t a steadfast formula to stop paying for comp and collision coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s pretend your vehicle’s replacement value is $10,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $9,000 after you pay the deductible. If you are paying more than $900 annually for full coverage, then it’s probably a good time to buy liability coverage only.

Compare quotes and save

Chula Vista, CA car insurance rates are calculated based on many things that will increase or decrease your annual premium. Improving your credit rating, marrying your spouse, or having an accident may prompt premium changes resulting in some rates now being more affordable than before.

And not only may your rating factors change, but car insurance companies file new rates multiple times each year to help ensure profitability. Heavy losses can result in rate increases, while a better loss history may cause cheaper Chula Vista car insurance rates.

The graph below analyzes the cheapest car insurance in Chula Vista, CA for a 35-year-old female driver with a clean driving record, no accidents, and a decent credit rating. Based on her current rating profile, USAA might quote the lowest car insurance rates in Chula Vista at $1,143 a year. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, Nationwide, CSAA, 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 above an at-fault accident, a lower credit score, and a couple of points charged on her driving record. Since each insurance company has a proprietary method to set policy rates, comparing quotes will most likely result in a different ranking of the cheapest Chula Vista car insurance companies as shown below.

Grange now has the lowest car insurance rate in Chula Vista with Mercury, Progressive, Allied, and Allstate completing the list. This shows why consumers need to shop around to get the cheapest car insurance rates for used cars.

Auto insurance prices consist of many factors and change substantially, so the cheapest rate three years ago may now be one of the higher cost companies.

How to find the cheapest car insurance for used cars

It’s not impossible to find cheaper rates, and here are some money-saving ideas that can help you find cheap coverage.

That last tip is extremely significant, as we stressed in the prior information. Car insurance prices fluctuate considerably, so you should be ready to switch companies if a cheaper rate is available. Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that faithfulness ends up costing you money that could be going to better use. Take a couple minutes and shop around to find cheaper car insurance for used cars in Chula Vista.