Best Cheap Car Insurance Companies in Chula Vista, Calif.
The top five car insurance choices in Chula Vista are Geico, Kemper, USAA, Progressive and Mercury. These companies have rates that are lower than average for both minimum and full coverage in the city, and they also mix high-quality coverage with strong customer service.
Keep reading: Cheap car insurance
Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with a clean driving history.
How Much Is Car Insurance in Chula Vista, Calif.?
Our data shows that the average cost of minimum-coverage car insurance in Chula Vista is $43 per month or $514 per year. This is about 18% less than the national average of $52 per month or $627 per year. Full-coverage insurance costs $172 per month or $2,062 per year on average, which is about 3% more expensive than the national average of $167 per month or $2,008 per year for full coverage.
Cheapest Liability Car Insurance in Chula Vista
Geico offers the cheapest liability insurance with average rates of $25 per month or $294 per year. Kemper is the second-cheapest option in Chula Vista with average rates of $34 per month or $406 per year.
Liability coverage is the minimum coverage required by the state of California. According to California law, all policyholders must either meet or exceed the following minimum requirements:
$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident
While the California Department of Motor Vehicles (DMV) doesn’t require drivers to carry underinsured or uninsured motorist coverage, these insurance products can reduce potential risks on the road. Note, however, that the cost of car insurance will go up for Chula Vista drivers who add these extra coverage types.
Cheapest Full-Coverage Car Insurance in Chula Vista
A full-coverage car insurance policy can be relatively pricey in Chula Vista. Full insurance coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Geico is the cheapest full-coverage option with average rates of $131 per month or $1,573 per year.
Chula Vista Car Insurance Quotes by Driver Profile
Car insurance rates are influenced by several factors, so the least expensive company for one driver may not be affordable for another. In this section, we’ll examine how car insurance costs in Chula Vista change based on the age of the driver and their driving history. Chula Vista has many ZIP codes with varying average car insurance costs, so we’ll consider those as well.
Some simple ways to reduce the cost of car insurance in Chula Vista are by increasing your deductible and by removing unnecessary coverage types like roadside assistance. It’s also smart to bundle auto insurance with renters insurance, homeowners coverage, life insurance and business insurance.
Comparing rates on car insurance coverage from insurance agencies throughout the San Diego region could lead to lower prices. There are offices all over the map along with various online quote tools that can be used to compare auto and home insurance rates.
Chula Vista Car Insurance Cost by Age
Teenagers generally pay more for car insurance because they have a higher chance of getting into car accidents or breaking traffic rules. Our data shows that 16-year-olds pay about $135 per month or $1,624 per year for car insurance in Chula Vista.
Car insurance gets cheaper as drivers reach their 20s and continues to decrease as they grow older. Below, you’ll find the average minimum car insurance costs in Chula Vista for different age groups.
Cheapest Car Insurance in Chula Vista: Teen Drivers
Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows that Geico is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $84 per month or $1,011 per year. USAA, State Farm and Progressive also offer affordable premiums for Chula Vista teens.
Chula Vista Car Insurance Cost by Driving Record
If drivers have received speeding tickets, been in accidents or gotten DUIs, their car insurance costs will likely rise. On average, speeding can increase your rates by 41%, an at-fault accident by 73%, and a DUI by 167%.
On average, Geico is the top choice for Chula Vista motorists with violations on their driving records. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.
Keep reading: Insurance rates for high-risk drivers
Cheapest Car Insurance in Chula Vista: Speeding Ticket
Now, we’ll go into more detail about car insurance costs for high-risk drivers. According to our data, Geico has the cheapest auto insurance rates for drivers with a speeding ticket on their records — $39 per month or $472 per year. USAA follows with an average monthly rate of $44, while Kemper, Mercury and AAA round out the top five options for cheap speeding ticket car insurance in Chula Vista.
Cheapest Car Insurance in Chula Vista: At-Fault Accident
Getting into a car accident where you’re at fault will raise your insurance rates by more than if you were caught speeding. USAA and AAA are the cheapest options here with average rates of about $59 per month and $62 per month, respectively.
Cheapest Car Insurance in Chula Vista: DUI
Getting a DUI is a significant offense that will make your car insurance rates in Chula Vista go up by hundreds every year. Geico is the cheapest company overall, offering average rates of $63 per month or $762 per year for drivers with a DUI. Mercury, Kemper and Progressive are also good options with rates under $82 per month on average.
Chula Vista Car Insurance Cost by ZIP Code
Rates of insurance claims differ in each area of the city, impacting the cost of car coverage for individuals. Below, you’ll see that certain ZIP codes in Chula Vista can be up to 1% cheaper or more expensive than the city average.
Cheap Car Insurance in Chula Vista, Calif.: The Bottom Line
Auto coverage in Chula Vista is 11% lower than California car insurance and 18% less than the national average, so there are plenty of cheap providers on the market. Geico offers the cheapest minimum and full coverage in the city for about $25 and $131 per month, respectively.
Compare free quotes to find the company that meets your California car insurance needs at the best rate. You can compare insurance services and get quotes online or from insurance agents.
Cheapest Auto Insurance in Chula Vista, Calif.: FAQ
Here are some frequently asked questions about the cheapest auto insurance in Chula Vista, Calif.:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.
Based in New York, Stephen Freeman is a Senior Editor at Trending Insurance News. Previously he has worked for Forbes and The Huffington Post. Steven is a graduate of Risk Management at the University of New York.