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Cheapest and Best Car Insurance in Chula Vista, CA (2023)


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Updated: Sep 26, 2023
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The most affordable provider is different for each person. That said, GEICO is the cheapest in Chula Vista on average. Its lower rates are for those who want minimum or full coverage, teenagers, military personnel and at-fault drivers. GEICO is also statistically the city's best auto insurer overall.

But Chubb offers the best services, and National General is the least expensive for those with DUIs and speeding violations.

MoneyGeek Logo IconCheapest + BestCar InsuranceChula Vista
2023

Cheapest and Best Car Insurance in Chula Vista

Cheapest Minimum Liability Car Insurance in Chula Vista

The following auto insurance companies offer the cheapest minimum coverage policies in Chula Vista:

  • GEICO: $300 per year
  • Mercury: $401 per year

At $715, Chubb is the most expensive minimum coverage provider in Chula Vista.

Company
Annual Premium
Monthly Premium

GEICO

$297

$25

GEICO

$300

$25

GEICO

$354

$29

State Farm

$384

$32

Mercury

$401

$33

Progressive

$402

$34

Progressive

$409

$34

Mercury

$412

$34

AAA California

$443

$37

Kemper

$452

$38

AAA California

$464

$39

Nationwide

$472

$39

Progressive

$475

$40

Travelers

$479

$40

Travelers

$480

$40

Nationwide

$488

$41

Mercury

$504

$42

State Farm

$507

$42

Hartford

$513

$43

Kemper

$520

$43

State National

$526

$44

Allstate

$528

$44

Allstate

$531

$44

State National

$541

$45

Travelers

$544

$45

Farmers

$550

$46

AAA California

$562

$47

Farmers

$565

$47

Allstate

$569

$47

Capital Insurance Group

$572

$48

State Farm

$579

$48

Hartford

$586

$49

Capital Insurance Group

$593

$49

National General

$595

$50

Nationwide

$612

$51

National General

$613

$51

State National

$637

$53

Farmers

$641

$53

Capital Insurance Group

$662

$55

Kemper

$687

$57

Chubb

$715

$60

National General

$735

$61

Chubb

$736

$61

Hartford

$757

$63

GEICO

$774

$65

GEICO

$800

$67

GEICO

$923

$77

Progressive

$926

$77

Progressive

$927

$77

State Farm

$930

$77

Mercury

$997

$83

National General

$1,012

$84

Chubb

$1,019

$85

Mercury

$1,019

$85

National General

$1,026

$86

Allstate

$1,053

$88

AAA California

$1,084

$90

Nationwide

$1,087

$91

AAA California

$1,100

$92

Progressive

$1,112

$93

Allstate

$1,129

$94

Hartford

$1,143

$95

Nationwide

$1,180

$98

State Farm

$1,192

$99

Capital Insurance Group

$1,197

$100

State National

$1,209

$101

Kemper

$1,226

$102

National General

$1,227

$102

Allstate

$1,248

$104

Capital Insurance Group

$1,270

$106

State National

$1,306

$109

Hartford

$1,308

$109

Travelers

$1,310

$109

Mercury

$1,324

$110

Travelers

$1,382

$115

State Farm

$1,393

$116

Farmers

$1,393

$116

Farmers

$1,425

$119

Capital Insurance Group

$1,427

$119

AAA California

$1,443

$120

Kemper

$1,507

$126

Nationwide

$1,531

$128

State National

$1,608

$134

Travelers

$1,632

$136

Chubb

$1,643

$137

Farmers

$1,686

$141

Hartford

$1,688

$141

Chubb

$1,695

$141

Kemper

$1,823

$152

Chubb

$2,402

$200

State law sets liability limits for minimum coverage insurance. In California, this includes the following amounts:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

If you're in a covered at-fault accident, your minimum-coverage insurance should pay for injuries and other damages to people in the other car.

This means it should cover medical costs for each person up to $15,000. But this maxes out at $30,000 per incident. You must pay any costs above what's covered out of pocket.

Cheapest Full Coverage Car Insurance in Chula Vista

The following companies provide Chula Vista drivers the cheapest full coverage auto insurance rates:

  • GEICO: $800 per year
  • Progressive: $927 per year

Chubb charges $1,643 a year for full coverage, making it the most expensive auto insurer in the city.

Company
Annual Premium
Monthly Premium

GEICO

$297

$25

GEICO

$300

$25

GEICO

$354

$29

State Farm

$384

$32

Mercury

$401

$33

Progressive

$402

$34

Progressive

$409

$34

Mercury

$412

$34

AAA California

$443

$37

Kemper

$452

$38

AAA California

$464

$39

Nationwide

$472

$39

Progressive

$475

$40

Travelers

$479

$40

Travelers

$480

$40

Nationwide

$488

$41

Mercury

$504

$42

State Farm

$507

$42

Hartford

$513

$43

Kemper

$520

$43

State National

$526

$44

Allstate

$528

$44

Allstate

$531

$44

State National

$541

$45

Travelers

$544

$45

Farmers

$550

$46

AAA California

$562

$47

Farmers

$565

$47

Allstate

$569

$47

Capital Insurance Group

$572

$48

State Farm

$579

$48

Hartford

$586

$49

Capital Insurance Group

$593

$49

National General

$595

$50

Nationwide

$612

$51

National General

$613

$51

State National

$637

$53

Farmers

$641

$53

Capital Insurance Group

$662

$55

Kemper

$687

$57

Chubb

$715

$60

National General

$735

$61

Chubb

$736

$61

Hartford

$757

$63

GEICO

$774

$65

GEICO

$800

$67

GEICO

$923

$77

Progressive

$926

$77

Progressive

$927

$77

State Farm

$930

$77

Mercury

$997

$83

National General

$1,012

$84

Chubb

$1,019

$85

Mercury

$1,019

$85

National General

$1,026

$86

Allstate

$1,053

$88

AAA California

$1,084

$90

Nationwide

$1,087

$91

AAA California

$1,100

$92

Progressive

$1,112

$93

Allstate

$1,129

$94

Hartford

$1,143

$95

Nationwide

$1,180

$98

State Farm

$1,192

$99

Capital Insurance Group

$1,197

$100

State National

$1,209

$101

Kemper

$1,226

$102

National General

$1,227

$102

Allstate

$1,248

$104

Capital Insurance Group

$1,270

$106

State National

$1,306

$109

Hartford

$1,308

$109

Travelers

$1,310

$109

Mercury

$1,324

$110

Travelers

$1,382

$115

State Farm

$1,393

$116

Farmers

$1,393

$116

Farmers

$1,425

$119

Capital Insurance Group

$1,427

$119

AAA California

$1,443

$120

Kemper

$1,507

$126

Nationwide

$1,531

$128

State National

$1,608

$134

Travelers

$1,632

$136

Chubb

$1,643

$137

Farmers

$1,686

$141

Hartford

$1,688

$141

Chubb

$1,695

$141

Kemper

$1,823

$152

Chubb

$2,402

$200

A full coverage policy adds comprehensive and collision insurance and raises liability-only insurance limits.

  • Collision Insurance: Helps cover damage to your car after an accident
  • Comprehensive Insurance: Helps pay for damage to your car caused by something other than an accident, like weather

We recommend full coverage for folks with newer vehicles to protect their high-value investments. Otherwise, the extra hundreds of dollars might not be worth the additional coverage.

Cheapest Car Insurance in Chula Vista After a Driving Offense

If you have driving infractions on your record, you may find the lowest rates from these Chula Vista car insurance companies:

  • Speeding ticket: National General ($$1,062 per year)
  • At-fault accident: GEICO ($1,343 per year)
  • DUI: National General ($1,062 per year)

After a speeding ticket, at-fault accident or DUI, you'll probably see the highest annual premiums with Chubb ($2,152), Kemper ($2,686) and Hartford ($4,714), respectively. Unfortunately, even the cheapest auto insurance providers are often more expensive after a violation.

Company
Annual Premium
Monthly Premium

GEICO

$453

$38

GEICO

$457

$38

Mercury

$515

$43

Mercury

$528

$44

GEICO

$533

$44

GEICO

$538

$45

GEICO

$540

$45

State Farm

$583

$49

AAA California

$588

$49

Kemper

$599

$50

State Farm

$609

$51

AAA California

$618

$51

National General

$629

$52

National General

$629

$52

Capital Insurance Group

$629

$52

GEICO

$634

$53

Mercury

$644

$54

Mercury

$648

$54

National General

$648

$54

National General

$648

$54

Capital Insurance Group

$653

$54

Capital Insurance Group

$661

$55

Mercury

$662

$55

Capital Insurance Group

$685

$57

Kemper

$691

$58

AAA California

$702

$59

GEICO

$713

$59

Progressive

$714

$59

Mercury

$717

$60

GEICO

$721

$60

Allstate

$721

$60

Nationwide

$725

$60

Progressive

$727

$61

Allstate

$728

$61

Hartford

$728

$61

Hartford

$728

$61

Travelers

$728

$61

Travelers

$728

$61

Capital Insurance Group

$734

$61

Mercury

$735

$61

AAA California

$738

$61

State National

$743

$62

State National

$743

$62

Farmers

$749

$62

Farmers

$749

$62

AAA California

$751

$63

Nationwide

$753

$63

State National

$764

$64

State National

$764

$64

Capital Insurance Group

$769

$64

Farmers

$769

$64

Farmers

$769

$64

State Farm

$771

$64

National General

$776

$65

National General

$776

$65

Progressive

$785

$65

Allstate

$786

$65

Progressive

$802

$67

State Farm

$805

$67

Nationwide

$805

$67

Travelers

$809

$67

Travelers

$810

$68

Mercury

$811

$68

Allstate

$826

$69

Allstate

$833

$69

Travelers

$835

$70

Nationwide

$837

$70

Hartford

$843

$70

Hartford

$843

$70

GEICO

$849

$71

Progressive

$854

$71

Progressive

$858

$72

Farmers

$874

$73

Farmers

$874

$73

State Farm

$879

$73

Progressive

$880

$73

National General

$894

$75

AAA California

$897

$75

Allstate

$901

$75

State National

$903

$75

Mercury

$903

$75

State National

$903

$75

Kemper

$914

$76

Chubb

$917

$76

State Farm

$918

$77

National General

$921

$77

Travelers

$928

$77

Farmers

$936

$78

Chubb

$938

$78

Progressive

$944

$79

Nationwide

$949

$79

Farmers

$961

$80

Travelers

$971

$81

Travelers

$972

$81

Capital Insurance Group

$987

$82

Kemper

$1,018

$85

Kemper

$1,018

$85

Capital Insurance Group

$1,025

$85

Progressive

$1,035

$86

Nationwide

$1,055

$88

National General

$1,062

$89

National General

$1,062

$89

National General

$1,078

$90

National General

$1,078

$90

Farmers

$1,092

$91

National General

$1,107

$92

Chubb

$1,110

$93

Hartford

$1,118

$93

Hartford

$1,118

$93

Travelers

$1,121

$93

Chubb

$1,133

$94

Capital Insurance Group

$1,150

$96

GEICO

$1,159

$97

GEICO

$1,197

$100

State Farm

$1,200

$100

Chubb

$1,222

$102

Kemper

$1,237

$103

Kemper

$1,237

$103

Nationwide

$1,275

$106

National General

$1,289

$107

National General

$1,289

$107

GEICO

$1,302

$108

Mercury

$1,310

$109

Nationwide

$1,325

$110

State National

$1,334

$111

GEICO

$1,343

$112

Mercury

$1,345

$112

Capital Insurance Group

$1,368

$114

State National

$1,374

$115

State Farm

$1,378

$115

GEICO

$1,380

$115

AAA California

$1,395

$116

Capital Insurance Group

$1,404

$117

Chubb

$1,415

$118

AAA California

$1,416

$118

Chubb

$1,435

$120

State Farm

$1,444

$120

Capital Insurance Group

$1,453

$121

Chubb

$1,456

$121

Allstate

$1,462

$122

Allstate

$1,477

$123

Capital Insurance Group

$1,491

$124

National General

$1,499

$125

AAA California

$1,517

$126

National General

$1,521

$127

Allstate

$1,525

$127

GEICO

$1,551

$129

Kemper

$1,559

$130

Kemper

$1,559

$130

State Farm

$1,586

$132

AAA California

$1,595

$133

Allstate

$1,603

$134

Kemper

$1,625

$135

State National

$1,635

$136

Capital Insurance Group

$1,638

$137

Allstate

$1,640

$137

Mercury

$1,640

$137

AAA California

$1,644

$137

AAA California

$1,653

$138

Nationwide

$1,679

$140

Nationwide

$1,679

$140

Mercury

$1,681

$140

Capital Insurance Group

$1,683

$140

Hartford

$1,695

$141

Hartford

$1,695

$141

State National

$1,716

$143

State National

$1,716

$143

Hartford

$1,718

$143

Progressive

$1,736

$145

Progressive

$1,737

$145

Chubb

$1,739

$145

Mercury

$1,752

$146

Mercury

$1,752

$146

State Farm

$1,769

$147

Mercury

$1,790

$149

State Farm

$1,811

$151

National General

$1,822

$152

Allstate

$1,822

$152

Nationwide

$1,826

$152

GEICO

$1,834

$153

State Farm

$1,852

$154

State National

$1,853

$154

State National

$1,853

$154

AAA California

$1,863

$155

Nationwide

$1,868

$156

Progressive

$1,889

$157

GEICO

$1,894

$158

Progressive

$1,894

$158

Allstate

$1,913

$159

Farmers

$1,923

$160

Farmers

$1,923

$160

AAA California

$1,949

$162

Hartford

$1,953

$163

Hartford

$1,953

$163

Travelers

$1,962

$164

Farmers

$1,969

$164

Farmers

$1,969

$164

Kemper

$1,999

$167

Hartford

$2,028

$169

Nationwide

$2,033

$169

Travelers

$2,062

$172

State Farm

$2,066

$172

Allstate

$2,069

$172

Progressive

$2,098

$175

Capital Insurance Group

$2,137

$178

Chubb

$2,152

$179

Progressive

$2,156

$180

State Farm

$2,163

$180

Progressive

$2,164

$180

Travelers

$2,175

$181

AAA California

$2,180

$182

GEICO

$2,187

$182

Mercury

$2,193

$183

Chubb

$2,202

$184

Capital Insurance Group

$2,271

$189

Travelers

$2,280

$190

State National

$2,285

$190

Progressive

$2,285

$190

State National

$2,285

$190

Allstate

$2,307

$192

Mercury

$2,328

$194

Farmers

$2,330

$194

Farmers

$2,330

$194

Nationwide

$2,378

$198

Farmers

$2,403

$200

Kemper

$2,421

$202

Travelers

$2,461

$205

Farmers

$2,462

$205

Hartford

$2,545

$212

Hartford

$2,545

$212

Capital Insurance Group

$2,562

$214

Progressive

$2,614

$218

Chubb

$2,634

$219

Nationwide

$2,653

$221

Kemper

$2,686

$224

Kemper

$2,686

$224

Chubb

$2,686

$224

Travelers

$2,718

$227

Travelers

$2,726

$227

Hartford

$2,774

$231

State Farm

$2,852

$238

Travelers

$2,869

$239

Chubb

$2,910

$242

Farmers

$2,912

$243

Nationwide

$2,964

$247

State National

$3,194

$266

Nationwide

$3,230

$269

Allstate

$3,324

$277

AAA California

$3,325

$277

AAA California

$3,357

$280

Kemper

$3,396

$283

Kemper

$3,396

$283

Chubb

$3,404

$284

Chubb

$3,447

$287

Travelers

$3,448

$287

State National

$3,456

$288

Chubb

$3,499

$292

Allstate

$3,591

$299

State Farm

$3,662

$305

Allstate

$4,007

$334

Kemper

$4,012

$334

Kemper

$4,012

$334

Hartford

$4,050

$337

Chubb

$4,216

$351

Nationwide

$4,231

$353

State Farm

$4,274

$356

State National

$4,278

$357

AAA California

$4,426

$369

Hartford

$4,714

$393

Hartford

$6,252

$521

Generally, rates increase more for more serious infractions than less severe ones. For instance, Chula Vista drivers with DUIs may pay at least $1,201 more than those with speeding tickets. However, you may still be able to get cheap auto insurance even if you have a poor driving history.

Cheapest Car Insurance in Chula Vista for Teens and Their Families

The cheapest car insurance providers for 16-year-old teenage drivers on family policies are:

  • GEICO: $2,346 per year for female teens; $2,473 per year for male teens
  • Farmers: $2,634 per year for male and female teens

Nationwide is Chula Vista's most expensive insurer for teens, charging families $4,483 annually to add a teenager to a policy.

Male teenagers often have higher insurance rates than their female peers as they're considered higher-risk drivers. For instance, GEICO charges $130 more for male teens. Be sure to compare quotes to find the best deal for your situation.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,037

$1,661

GEICO

$1,061

$1,701

GEICO

$1,063

$1,873

GEICO

$1,075

$1,787

GEICO

$1,087

$1,742

GEICO

$1,093

$1,925

GEICO

$1,108

$2,035

GEICO

$1,122

$1,978

GEICO

$1,231

$1,835

GEICO

$1,271

$2,096

Progressive

$1,423

$2,261

Progressive

$1,423

$2,261

Nationwide

$1,528

$3,160

Nationwide

$1,528

$3,160

Progressive

$1,541

$2,448

Progressive

$1,541

$2,448

GEICO

$1,584

$2,667

Kemper

$1,588

$3,187

Kemper

$1,588

$3,187

Allstate

$1,598

$2,603

Allstate

$1,598

$2,603

Capital Insurance Group

$1,623

$2,080

Capital Insurance Group

$1,623

$2,080

GEICO

$1,646

$3,076

Progressive

$1,648

$3,025

Progressive

$1,648

$3,025

Allstate

$1,673

$2,725

Allstate

$1,673

$2,725

Nationwide

$1,676

$3,465

Nationwide

$1,676

$3,465

Kemper

$1,677

$3,365

Kemper

$1,677

$3,365

Allstate

$1,716

$3,027

Allstate

$1,716

$3,027

Progressive

$1,726

$2,742

Progressive

$1,726

$2,742

Nationwide

$1,729

$3,963

Nationwide

$1,729

$3,963

GEICO

$1,733

$2,583

Allstate

$1,733

$2,822

Allstate

$1,733

$2,822

Kemper

$1,766

$3,957

Kemper

$1,766

$3,957

Nationwide

$1,796

$3,714

Nationwide

$1,796

$3,714

GEICO

$1,802

$2,969

Farmers

$1,804

$2,577

Farmers

$1,804

$2,577

Kemper

$1,824

$3,660

Kemper

$1,824

$3,660

Allstate

$1,839

$3,041

Allstate

$1,839

$3,041

Capital Insurance Group

$1,848

$2,464

Capital Insurance Group

$1,848

$2,464

State Farm

$1,895

$2,778

State Farm

$1,895

$2,778

Capital Insurance Group

$1,923

$2,464

Capital Insurance Group

$1,923

$2,464

Capital Insurance Group

$1,923

$2,464

Capital Insurance Group

$1,923

$2,464

State Farm

$1,971

$2,890

State Farm

$1,971

$2,890

Travelers

$1,996

$2,681

Travelers

$1,996

$2,681

State Farm

$2,006

$3,136

State Farm

$2,006

$3,136

State Farm

$2,017

$2,957

State Farm

$2,017

$2,957

Farmers

$2,020

$2,989

Farmers

$2,020

$2,989

Nationwide

$2,024

$4,344

Nationwide

$2,024

$4,344

Progressive

$2,044

$3,318

Progressive

$2,044

$3,318

Kemper

$2,045

$4,195

Kemper

$2,045

$4,195

Travelers

$2,066

$2,775

Travelers

$2,066

$2,775

Farmers

$2,092

$2,989

Farmers

$2,092

$2,989

Farmers

$2,092

$2,989

Farmers

$2,092

$2,989

Travelers

$2,108

$2,978

Travelers

$2,108

$2,978

Allstate

$2,109

$3,876

Allstate

$2,109

$3,876

Allstate

$2,144

$3,544

Allstate

$2,144

$3,544

Capital Insurance Group

$2,146

$2,771

Capital Insurance Group

$2,146

$2,771

State Farm

$2,149

$3,197

State Farm

$2,149

$3,197

Travelers

$2,153

$2,892

Travelers

$2,153

$2,892

GEICO

$2,188

$3,857

Kemper

$2,215

$4,544

Kemper

$2,215

$4,544

Capital Insurance Group

$2,225

$2,771

Capital Insurance Group

$2,225

$2,771

Kemper

$2,234

$5,010

Kemper

$2,234

$5,010

Farmers

$2,260

$3,428

Farmers

$2,260

$3,428

State Farm

$2,281

$3,560

State Farm

$2,281

$3,560

GEICO

$2,294

$4,484

State Farm

$2,302

$3,425

State Farm

$2,302

$3,425

GEICO

$2,346

$4,307

Travelers

$2,352

$3,125

Travelers

$2,352

$3,125

Capital Insurance Group

$2,383

$3,077

Capital Insurance Group

$2,383

$3,077

GEICO

$2,406

$4,241

Farmers

$2,442

$3,948

Farmers

$2,442

$3,948

Farmers

$2,465

$3,739

Farmers

$2,465

$3,739

GEICO

$2,473

$5,068

Nationwide

$2,494

$6,006

Nationwide

$2,494

$6,006

GEICO

$2,533

$4,950

State Farm

$2,535

$4,514

State Farm

$2,535

$4,514

Progressive

$2,549

$4,695

Progressive

$2,549

$4,695

Travelers

$2,552

$3,606

Travelers

$2,552

$3,606

Farmers

$2,571

$5,086

Farmers

$2,571

$5,086

Travelers

$2,591

$3,444

Travelers

$2,591

$3,444

Farmers

$2,634

$5,320

Farmers

$2,634

$5,320

Farmers

$2,643

$5,228

Farmers

$2,643

$5,228

Nationwide

$2,660

$5,710

Nationwide

$2,660

$5,710

State Farm

$2,688

$4,786

State Farm

$2,688

$4,786

Progressive

$2,709

$4,396

Progressive

$2,709

$4,396

State Farm

$2,745

$5,362

State Farm

$2,745

$5,362

Allstate

$2,814

$5,573

Allstate

$2,814

$5,573

Allstate

$2,915

$5,871

Allstate

$2,915

$5,871

Progressive

$2,942

$5,969

Progressive

$2,942

$5,969

Progressive

$2,960

$6,022

Progressive

$2,960

$6,022

Allstate

$2,965

$5,871

Allstate

$2,965

$5,871

Progressive

$2,972

$6,031

Progressive

$2,972

$6,031

Capital Insurance Group

$3,058

$3,808

Capital Insurance Group

$3,058

$3,808

Capital Insurance Group

$3,058

$3,808

Capital Insurance Group

$3,058

$3,808

Capital Insurance Group

$3,058

$3,808

Capital Insurance Group

$3,058

$3,808

Kemper

$3,370

$6,841

Kemper

$3,370

$6,841

Travelers

$3,411

$4,547

Travelers

$3,411

$4,547

Travelers

$3,563

$4,750

Travelers

$3,563

$4,750

Travelers

$3,571

$4,985

Travelers

$3,571

$4,985

Kemper

$3,692

$7,494

Kemper

$3,692

$7,494

Kemper

$3,726

$8,353

Kemper

$3,726

$8,353

Nationwide

$3,788

$8,119

Nationwide

$3,788

$8,119

Nationwide

$4,260

$9,129

Nationwide

$4,260

$9,129

Nationwide

$4,396

$11,018

Nationwide

$4,396

$11,018

Since teenagers' auto insurance premiums are even higher if they get a policy independently, adding a teen to a family policy is generally a good idea. For instance, a male teen getting individual coverage in Chula Vista could pay $673 more than he would on a family policy.

In short, families who do their research could get the cheapest auto insurance for teens and save hundreds, if not thousands, annually.

Cheapest Car Insurance in Chula Vista for Military Drivers

For full coverage options, Chula Vista's cheapest car insurance companies for people with military backgrounds and their families are:

  • GEICO: $800 per year
  • USAA: $834 per year

The same goes for the top two minimum coverage insurers for those with military affiliations. When looking at that type of insurance, GEICO leads at $300 per year, and USAA is $351 per year.

Company
Annual Premium
Monthly Premium

GEICO

$297

$25

GEICO

$300

$25

USAA

$351

$29

USAA

$351

$29

GEICO

$354

$29

State Farm

$384

$32

Mercury

$401

$33

Progressive

$402

$34

Progressive

$409

$34

Mercury

$412

$34

USAA

$423

$35

AAA California

$443

$37

Kemper

$452

$38

AAA California

$464

$39

Nationwide

$472

$39

Progressive

$475

$40

Travelers

$479

$40

Travelers

$480

$40

Nationwide

$488

$41

Mercury

$504

$42

State Farm

$507

$42

Hartford

$513

$43

Kemper

$520

$43

State National

$526

$44

Allstate

$528

$44

Allstate

$531

$44

State National

$541

$45

Travelers

$544

$45

Farmers

$550

$46

AAA California

$562

$47

Farmers

$565

$47

Allstate

$569

$47

Capital Insurance Group

$572

$48

State Farm

$579

$48

Hartford

$586

$49

Capital Insurance Group

$593

$49

National General

$595

$50

Nationwide

$612

$51

National General

$613

$51

State National

$637

$53

Farmers

$641

$53

Capital Insurance Group

$662

$55

Kemper

$687

$57

Chubb

$715

$60

National General

$735

$61

Chubb

$736

$61

Hartford

$757

$63

GEICO

$774

$65

GEICO

$800

$67

USAA

$813

$68

USAA

$834

$69

GEICO

$923

$77

Progressive

$926

$77

Progressive

$927

$77

State Farm

$930

$77

USAA

$995

$83

Mercury

$997

$83

National General

$1,012

$84

Chubb

$1,019

$85

Mercury

$1,019

$85

National General

$1,026

$86

Allstate

$1,053

$88

AAA California

$1,084

$90

Nationwide

$1,087

$91

AAA California

$1,100

$92

Progressive

$1,112

$93

Allstate

$1,129

$94

Hartford

$1,143

$95

Nationwide

$1,180

$98

State Farm

$1,192

$99

Capital Insurance Group

$1,197

$100

State National

$1,209

$101

Kemper

$1,226

$102

National General

$1,227

$102

Allstate

$1,248

$104

Capital Insurance Group

$1,270

$106

State National

$1,306

$109

Hartford

$1,308

$109

Travelers

$1,310

$109

Mercury

$1,324

$110

Travelers

$1,382

$115

State Farm

$1,393

$116

Farmers

$1,393

$116

Farmers

$1,425

$119

Capital Insurance Group

$1,427

$119

AAA California

$1,443

$120

Kemper

$1,507

$126

Nationwide

$1,531

$128

State National

$1,608

$134

Travelers

$1,632

$136

Chubb

$1,643

$137

Farmers

$1,686

$141

Hartford

$1,688

$141

Chubb

$1,695

$141

Kemper

$1,823

$152

Chubb

$2,402

$200

How to Compare Cheap Chula Vista Car Insurance Quotes Online

It might be time-consuming to manually compare Chula Vista car insurance quotes online. It usually takes at least 15 minutes per provider. Plus, you have to give up a lot of personal information to get a quote every single time.

MoneyGeek's car insurance calculator instantly estimates rates from multiple companies using only your age, driving history, vehicle type and desired coverage level.

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Progressive

Best Car Insurance in Chula Vista: Summary

The best car insurer depends on more than cost. We also need to remember service, affordability and coverage. On average, the best providers in Chula Vista, California, are:

  • Best overall: GEICO (MoneyGeek score of 75 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score of 78 out of 100)

As we evaluate service and pricing for each area, our MoneyGeek scores are adjusted accordingly. With a score of 81 out of 100, USAA can be another excellent choice for those with military affiliations.

Best Overall Car Insurance in Chula Vista

MoneyGeek discovered the following companies offer the best overall auto insurance in Chula Vista when service quality, cost and other aspects are considered:

  • GEICO: MoneyGeek score of 75 out of 100 ($800 per year)
  • Progressive: MoneyGeek score of 70 out of 100 ($927 per year)

In general, GEICO outperformed 13 competitors in pricing, customer experience and claims processing.

With average annual premiums of $351, USAA is a highly recommended auto insurance provider if you have a military affiliation. It was ranked first in this category with an overall score of 81 out of 100.

GEICO

pros

Perfect affordability score and great customer satisfaction ratings

Offers rare coverages like mechanical breakdown insurance (MBI) and classic car insurance

cons

Below average claims management and average coverage score

Doesn’t offer gap insurance or deductible modification

COMPANY HIGHLIGHTS

GEICO offers the city's most affordable policies but falls short in essential coverages and claims management. However, it does provide some rare and valuable coverage. For example, Mechanical Breakdown Insurance (MBI) offers better protection for less money than dealers' extended warranties. It includes all components and systems. MBI is for new or leased vehicles under 15 months old with less than 15,000 miles on them.

GEICO’s classic car policy may include liability protection, uninsured and underinsured motorist protection and medical protections like medical payments or personal injury protection. Towing and compensation for roadside assistance are also available.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Chula Vista for Customer Service

By completely disregarding the affordability score and increasing service-related factors, we found the following companies offer the best customer service in Chula Vista.

  • Chubb: MoneyGeek score of 76 out of 100 ($1,643 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,270 per year)

Chubb excels at handling client claims and pleasing policyholders. But, this comes at the cost of affordability because Chubb's premiums are the highest of all insurers we studied.

Chubb

pros

Excellent customer satisfaction and claims management scores

Offers Original Equipment Manufacturer (OEM) coverage

cons

Most expensive premiums and the coverage level isn’t strong

No roadside assistance or some other common coverages

COMPANY HIGHLIGHTS

Chubb offers unique options like OEM, antique/classic car and diminished value coverage. The company covers the cost of OEM components and methods to ensure your car's safety features work after an accident. With agreed value coverage, you and Chubb agree on your car's worth when you create your policy. Then Chubb cuts you a check for the agreed-upon sum if your car is stolen or totaled. Meanwhile, with Chubb's rental car reimbursement coverage, you can rent a vehicle similar to the one you own.

As a more unique coverage, Chubb's vintage car insurance normally covers cars that are at least 30 years old, a limited production model or a part of a vehicle collection. These cars can't be used for everyday use. Instead, they must be kept in garages and brought out only for events like auto shows, exhibitions and parades.

Best Cheap Car Insurance Companies in Chula Vista

The top cheap insurance providers in Chula Vista tend to only satisfy California's minimum coverage requirements. These options are:

  • GEICO: MoneyGeek score of 78 out of 100 ($300 per year)
  • Progressive: MoneyGeek score of 68 out of 100 ($402 per year)

The policies with the lowest premiums may not cover damages to your car or provide protection against liability expenses.

GEICO

pros

Most affordable premium at $300 per year

Bundling, airbag and seat belt use discounts

Perfect affordability score and excellent customer satisfaction ratings

cons

No paperless or pay-in-full discounts

Average coverage score and low claims management ratings

COMPANY HIGHLIGHTS

With great customer satisfaction ratings and a perfect affordability score, GEICO is the best cheap car insurance provider in Chula Vista. This is reinforced by the numerous saving opportunities it provides.

You receive a discount if you insure multiple vehicles through GEICO or combine auto insurance with house, renters, condo or mobile home insurance. If you insure a full-time student who gets good grades, they could also receive a lower premium. The same holds true if you go five years without an accident.

Additionally, GEICO provides rare discounts, such as seat belt use discounts. Teachers, elderly drivers and active or retired federal employees can also get discounts. Finally, you could get discounts for passing driver's ed and defensive driving courses.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Chula Vista

We found the average annual cost of auto insurance in Chula Vista is $1,189. This is $198 cheaper than the average annual insurance cost in California ($1,387) and $76 less than the U.S. average ($1,265).

These rates apply to full coverage insurance with $100,000 in per-person bodily injury, $300,000 in per-accident bodily injury and $100,000 in per-accident property damage liability.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.