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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Last Updated: 7/28/2022
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On average, Esurance is the cheapest car insurance company in Chula Vista for full coverage. GEICO provides the cheapest state minimum coverage in the city, on average. The average annual car insurance rates in Chula Vista vary depending on the driver’s profile and coverage level. If you have a speeding ticket, for instance, Esurance also offers the cheapest car insurance, on average.

Per MoneyGeek’s analysis, AAA offers the best overall car insurance in the city, balancing strong customer service and affordability.

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The Cheapest and Best Car Insurance in Chula Vista

The Cheapest Car Insurance Companies in Chula Vista

The cheapest full-coverage car insurance policies in Chula Vista, on average, come from:

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

Former and current military members qualify for policies with USAA, which provides the fourth-cheapest full-coverage policies in Chula Vista.

A full-coverage car insurance policy provides more protection during an accident and costs more than liability-only coverage. Specific rates vary based on the insurer, coverage amount and driving background.

The company with the highest rates in the city is Travelers, with policyholders paying an average of $1,519 per year.

Cheapest Car Insurance in Chula Vista
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $863
  • 2.
    Progressive
    $958
  • 3.
    GEICO
    $978
  • 4.
    USAA
    $1,074
  • 5.
    MetLife
    $1,105
  • 6.
    AAA
    $1,116
  • 7.
    Allstate
    $1,146
  • 8.
    Mercury
    $1,219
  • 9.
    State Farm
    $1,288
  • 10.
    Hartford
    $1,375
  • 11.
    Farmers
    $1,432
  • 12.
    Allied
    $1,463
  • 13.
    Travelers
    $1,519

Coverage that meets state minimums carries the lowest costs in Chula Vista. For additional protection, you will need to purchase a full coverage car insurance policy, which includes the following types of insurance:

  • Comprehensive Insurance: This coverage provides protection from damages caused by theft, vandalism and other similar incidents.
  • Collision Insurance: This insurance covers drivers for damages resulting from collisions with other cars or stationary objects.

MoneyGeek analyzed quotes from different insurers using a sample 40-year-old driver purchasing a full-coverage policy. These limits can be found on our methodology page.

For drivers with older vehicles, the cost of a full coverage may exceed the value of the car. MoneyGeek recommends liability-only coverage for individuals with these individuals.

Compare Car Insurance Rates in Chula Vista

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Chula Vista for Minimum Coverage

In Chula Vista, the most affordable car insurance coverage is the state minimum policy. However, with lower rates comes less coverage. If you are involved in an accident and have liability-only insurance, you may need to cover some of the costs yourself.

According to MoneyGeek, the lowest state minimum car insurance rates in Chula Vista, on average, come from:

  • GEICO: $399 per year
  • Progressive: $408 per year

USAA also provides affordable car insurance coverage, at $422 per year on average, but it only serves active or retired military members and their families.

Farmers has the highest state minimum car insurance policy rates in the city. Drivers pay an average of $740 per year for the coverage — $341 more than what GEICO policyholders pay for comparable policies, on average.

Individual rates vary, based on the provider and level of coverage. Compare costs across different amounts using the table below.

Cheapest Minimum Liability Car Insurance in Chula Vista
State Minimum

In Chula Vista, the minimum liability car insurance coverage must meet state requirements of $15,000 bodily injury coverage per person, $30,000 per accident and $5,000 property damage coverage.

While state minimum policy coverage features lower premiums, you may need to cover some costs out of pocket following an accident. For instance, if the cost of property damage extends beyond the $5,000 limit, you will pay the remainder out of pocket.

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.

Cheapest Car Insurance in Chula Vista if You Have Driving Violations

Car insurance costs are largely influenced by your driving history. If you have speeding tickets, at-fault accidents or any other violations on your record, your car insurance premiums will be significantly higher than a driver with a clean record.

The cheapest car insurance providers for drivers with speeding tickets, DUIs and at-fault accidents are:

  • Cheapest After a Ticket: Esurance, $1,087 per year
  • Cheapest After an At-Fault Accident: Esurance, $1,335 per year
  • Cheapest After a DUI: Mercury, $1,999 per year

By improving your driving record over time, your premiums will likely decrease. You can also find the cheapest coverage for your specific circumstances by shopping around and comparing quotes.

Cheapest Car Insurance in Chula Vista With a Violation
Speeding Ticket

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.

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 compare auto insurance quotes based on your individual needs. As your circumstances change over time, you may be eligible for rebates, promotions and other discounts.

Compare Car Insurance Rates in Chula Vista

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Chula Vista

MoneyGeek ranked the top car insurance companies in Chula Vista by considering average premiums, claim ratings and customer satisfaction. Chula Vista's top auto insurance providers are:

  • Esurance: MoneyGeek score of 91.8 out of 100
  • GEICO: MoneyGeek score of 88.2 out of 100

MoneyGeek excluded USAA from the overall rankings because it exclusively serves military members and their families. However, USAA had a MoneyGeek score of 83.4 out of 100, making it the third-best car insurance company in Chula Vista for military families.


1
Esurance
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

Esurance is the top auto insurance provider in Chula Vista, earning the highest score for affordability and a high customer satisfaction score, although its claims score is average. The average cost of full coverage with Esurance for a 40-year-old is $863 per year. Esurance provides custom parts coverage as an add-on to protect a car's aftermarket upgrades in an accident.

More About Esurance

Esurance provides a variety of add-on coverages to Chula Vista drivers, including roadside assistance, rental car and/or travel reimbursement, gap insurance and custom parts coverage. Custom parts covers your car's aftermarket upgrades, such as custom wheels or a sound system, from damages; you can buy a limit as high as $4,000.

Read MoneyGeek's Esurance auto Insurance Review
2
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

With high claims, customer satisfaction and affordability ratings, GEICO is Chula Vista's second-best auto insurance company. Its full coverage policy for a 40-year-old costs $978 per year on average. GEICO offers mechanical breakdown insurance as a policy add-on, which is rare among insurers.

More About GEICO

With various coverage choices, GEICO's auto insurance in Chula Vista is customizable to fit individual needs and preferences. Mechanical breakdown insurance is a unique add-on that is less costly than dealer extended warranties and offers more protection — it covers all vehicle components and systems. GEICO also has roadside assistance available to add on a policy, providing flat tire changes, lockout services, jumpstarts and towing.

Read MoneyGeek's GEICO auto Insurance Review

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

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

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.