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.
Compare the Cheapest Car Insurance Quotes in Chula Vista, CA
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
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.
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.
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:
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
- 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
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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 CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in Chula Vista
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.
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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