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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 Cheap Car Insurance Companies in Chula Vista

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.

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Company
Amountper year
1. Esurance
In 2021, Esurance ranked #1 in Chula Vista for the cheapest car insurance for the average driver.
$863
2. Progressive
In 2021, Progressive ranked #2 in Chula Vista for the cheapest car insurance for the average driver.
$958
3. GEICO
In 2021, GEICO ranked #3 in Chula Vista for the cheapest car insurance for the average driver.
$978
4. USAA
In 2021, USAA ranked #4 in Chula Vista for the cheapest car insurance for the average driver.
$1,074
5. MetLife
In 2021, MetLife ranked #5 in Chula Vista for the cheapest car insurance for the average driver.
$1,105
6. AAA
In 2021, AAA ranked #6 in Chula Vista for the cheapest car insurance for the average driver.
$1,116
7. Allstate
In 2021, Allstate ranked #7 in Chula Vista for the cheapest car insurance for the average driver.
$1,146
8. Mercury
In 2021, Mercury ranked #8 in Chula Vista for the cheapest car insurance for the average driver.
$1,219
9. State Farm
In 2021, State Farm ranked #9 in Chula Vista for the cheapest car insurance for the average driver.
$1,288
10. Hartford
In 2021, Hartford ranked #10 in Chula Vista for the cheapest car insurance for the average driver.
$1,375
11. Farmers
In 2021, Farmers ranked #11 in Chula Vista for the cheapest car insurance for the average driver.
$1,432
12. Allied
In 2021, Allied ranked #12 in Chula Vista for the cheapest car insurance for the average driver.
$1,463
13. Travelers
In 2021, Travelers ranked #13 in Chula Vista for the cheapest car insurance for the average driver.
$1,519

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.

Compare Car Insurance Rates in Chula Vista

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Cheapest Car Insurance in Chula Vista by Coverage Amount

How much car insurance coverage you purchase in Chula Vista also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

California Minimum Liability Requirements

ItemDescription
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 by Coverage Type

Liability Only
CompanyState Minimumper year50 / 100 / 50per year
1. Esurance$483$565
2. Progressive$408$560
3. GEICO$399$547
4. USAA$422$544
5. AAA$487$595
6. MetLife$570$781
7. Allstate$584$661
8. Mercury$490$680
9. State Farm$601$808
10. Hartford$650$824
11. Allied$639$824
12. Travelers$586$805
13. Farmers$740$870
Full Coverage
Company50 / 100 / 50per year100 / 300 / 100per year
1. Esurance$828$863
2. Progressive$878$958
3. GEICO$893$978
4. USAA$1,016$1,074
5. AAA$1,016$1,116
6. MetLife$1,024$1,105
7. Allstate$1,097$1,146
8. Mercury$1,136$1,219
9. State Farm$1,159$1,288
10. Hartford$1,281$1,375
11. Allied$1,356$1,463
12. Travelers$1,414$1,519
13. Farmers$1,331$1,432
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.

Insurance Rates

Cheapest Car Insurance in Chula Vista If You Have Tickets

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
1. Esurance$1,087$1,335$2,120
2. GEICO$1,440$1,643$2,279
3. Mercury$1,597$2,107$1,999
4. Progressive$1,817$1,971$2,263
5. USAA$1,175$1,867$3,031
6. AAA$1,470$1,685$3,440
7. Farmers$1,966$2,457$2,457
8. Allstate$1,628$2,068$3,607
9. State Farm$1,891$1,969$3,952
10. Travelers$2,240$2,472$3,091
11. Allied$2,047$2,349$3,525
12. MetLife$1,433$1,862$6,965
13. Hartford$2,147$2,993$5,005

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
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 accident 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

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

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 overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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.

Insurance Rates