Compare the Cheapest Car Insurance Quotes in Chula Vista, CA

Car insurance in Chula Vista costs an average of $1,205 yearly, which is cheaper than the state average. The cheapest insurance provider for the average driver is Esurance, but MoneyGeek also analyzed the cheapest providers based on different coverage levels and driver profiles. For those looking to balance costs and quality, MoneyGeek ranked the best companies in the city.

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The Cheapest and Best Car Insurance in Chula Vista

The Cheapest Car Insurance Companies in Chula Vista

The insurance providers with the cheapest average rates for a full coverage car insurance policy in Chula Vista are:

  • Esurance: $863 per year
  • Progressive: $958 per year

In Chula Vista, Esurance offers the most affordable car insurance rate of $863 per year. The top five most affordable auto insurance companies in the city are Esurance, Progressive, GEICO, USAA and MetLife. For most drivers, a policy with Esurance is about 76.1% less expensive than a similar plan with the city’s most expensive provider, Travelers.

For this study, MoneyGeek collected average insurance rates in Chula Vista for a sample 40-year-old male driver profile with a full coverage policy. This includes both liability insurance and comprehensive and collision coverage.

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Average Cost of Car Insurance in Chula Vista

Chula Vista$1,205
California$1,429
U.S.$1,424

On average, Chula Vista has an annual cost of insurance of $1,205, which is lower than both the state and national averages. In general terms, policyholders who live in Chula Vista pay about 15.7% less than California’s annual average premium of $1,429, and about 15.4% less than the average nationwide cost of $1,424 per year.

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The Best Car Insurance Companies in Chula Vista

For drivers in Chula Vista looking for an insurance provider that balances affordable costs and quality service, MoneyGeek ranked the best providers in the city. According to MoneyGeek’s research, the best options for most drivers are:

  • AAA: MoneyGeek score 90 out of 100
  • GEICO: MoneyGeek score 90 out of 100

USAA received the highest score in Chula Vista by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

To arrive at these final scores out of 100, MoneyGeek took into account several factors, including J.D. Power customer satisfaction ratings, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Chula Vista

In addition to where you live, car insurance companies in Chula Vista also personalize your quotes according to your age, driving record, coverage level and vehicle make and model. For example, an 18-year-old male driver in Chula Vista pays an average annual premium of $2,449 for his coverage with State Farm, which is nearly twice as expensive as similar coverage for a 70-year-old male driver with the same company.

Before you finalize your purchase, it’s best that you regularly get a personalized quote based on your individual needs. As your circumstances change over time, you may be eligible for rebates, promotions and other discounts.

Shopping around for car insurance in Chula Vista could save you $342, which is enough to buy:


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114Cups of Coffee
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26Months of Your Favorite Streaming Service

Cheapest Car Insurance in Chula Vista by Coverage Amount

In Chula Vista and elsewhere, one factor that largely impacts your car insurance costs is the coverage level you choose to buy. For example, a state minimum liability policy costs an average of $553 per year. A full coverage policy with higher liability limits costs $1,205 on average. That is a difference of $652.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

In Chula Vista, Esurance offers both 50/100/50 liability-only and 50/100/50 full-coverage plans. Esurance’s 50/100/50 liability-only plan covers $50,000 worth of bodily injury liability per person, totaling $100,000 per vehicle, together with $50,000 worth of property damage repair — but it covers the other driver’s expenses only.

Esurance’s 50/100/50 full-coverage plan has the same limits, but the coverage is extended to your own expenses, so it costs an extra $263 on average. If the difference in premium between a liability-only and full-coverage policy is minimal, you might consider getting the full-coverage plan as it provides more financial protection.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Chula Vista if You Have Driving Violations

Paying a fine isn’t the only penalty you endure when you have a speeding ticket or other moving violation on your driving record: you are also given higher car insurance rates in Chula Vista. For instance, drivers with a speeding ticket will pay an average of $379 more for their Mercury coverage than drivers with a clean record.

Additionally, a DUI is taken seriously, as drivers with a DUI on their record will pay an average of $780 more for their Mercury policy than drivers with a clean record, even if the coverage is similar.

Average Cost of Car Insurance by Postal Code

Your specific residence in California is taken into consideration when calculating your rates, but your ZIP code within Chula Vista will not affect rates much. Drivers living in ZIP code 91913, the most affordable region for auto coverage in the city, will pay an average of $22 less for their policies than drivers living in ZIP code 91911.

  • Zip Code
    State Minimumper year
  • 91913
    $1,194
  • 91910
    $1,205
  • 91911
    $1,216
iconribbontop ratedCar Insurance agentsChula Vista2021

Top Agents Offering Affordable Car Insurance in Chula Vista

1. Quality Auto Registration Service423 Third Ave, Chula Vista, CA, 91910
23 ratings
2. CSS Insurance Services LLC40 Third Ave, Chula Vista, CA, 91910
12 ratings
3. Mex-Insur99 Bonita Rd, Chula Vista, CA, 91910
9 ratings
4. Daylight Insurance Brokerage900 Lane Ave, Ste 128, Chula Vista, CA, 91914
7 ratings
5. Willy's Insurance Services350 E St, Chula Vista, CA, 91910
5 ratings

Factors That Impact Insurance Costs in Chula Vista

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Chula Vista. How Chula Vista ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities166th/300
handcuffs2 icon
Most Car Thefts178th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall283rd/300
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Most Rainy Days248th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Chula Vista are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.