Best cheap car insurance companies in Chula Vista CA.
The top five choices for auto insurance 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 combine high-quality coverage with strong customer service.
Keep reading: Cheap car insurance
Unless otherwise stated, the following cost tables show average rates for the driving profile of a 35-year-old married driver with a clean driving record.
How much does car insurance cost in Chula Vista, CA?
Our data shows that the average cost of car insurance with minimum coverage in Chula Vista is $43 per month or $514 per year. This is about 18% less than the national average $52 per month or $627 per year. Full coverage insurance expenses $172 per month or $2,062 per year average, which is about 3% more expensive than the national average $167 per month or $2008 per year for full coverage.
The cheapest car insurance Liability 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 prices from $34 per month or $406 per year.
Liability coverage is the minimum coverage required by the State of California. Under California law, all policyholders must either meet or exceed the following minimum requirements:
$15,000 personal injury liability per person
$30,000 personal injury liability per accident
$5,000 property damage liability per accident
Although the California Department of Motor Vehicles (DMV) does not require drivers to carry uninsured or underinsured motorist coverage, these insurance products can reduce potential risks on the road. Note, however, that the cost of auto insurance will go up for Chula Vista drivers who add these additional types of coverage.
The cheapest full coverage auto insurance in Chula Vista
A full coverage auto insurance policy can be relatively expensive in Chula Vista. Full insurance coverage includes liability plus full coverage and collision coverage, which protect against damage to your vehicle in various situations. Geico is the cheapest full coverage option with average prices from $131 per month or $1,573 per year.
Chula Vista auto insurance quotes by driver profile
Car insurance rates are affected by several factors, so the cheapest company for one driver may not be available for another. In this section, we’ll look at how Chula Vista car insurance costs change based on a driver’s age and driving history. Chula Vista has many zip codes with different average car insurance costs, so we’ll take a look at those as well.
Some easy ways to lower your Chula Vista auto insurance costs are by increasing your deductible and eliminating unnecessary types of coverage like roadside assistance. It’s also smart to combine auto insurance with renters insurance, homeowners coverage, life insurance and business insurance.
Comparing auto insurance coverage rates from insurance agencies throughout the San Diego region can result in lower rates. 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 Costs by Age
Teenagers usually pay more for car insurance because they have a higher chance of getting into car accidents or breaking traffic rules. Our data shows this 16 year olds I pay approx $135 per month or $1,624 per year for car insurance in Chula Vista.
Car insurance becomes cheaper as drivers enter their 20s and continues to decrease as they age. Below you will find the average minimum cost of car insurance in Chula Vista for different age groups.
Cheapest Chula Vista Car Insurance: Teen Drivers
Car insurance for teenagers 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 teenage drivers with coverage minimums of up to $84 per month or $1011 per year. USAA, State Farm and Progressive also offer affordable premiums for Chula Vista teens.
Chula Vista auto insurance costs by driver’s license
If drivers have received speeding tickets, been in accidents, or received a DUI, their car insurance costs will likely increase. 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 drivers with violations on their driving records. The table below shows the average rates by company for drivers who have either a speeding ticket, an accident or a DUI on their record.
Keep reading: Insurance rates for high risk drivers
Cheapest Chula Vista Car Insurance: Speeding Ticket
We will now take a closer look at the cost of car insurance for high-risk drivers. According to our data, Geico has the cheapest car insurance rates for drivers with speeding tickets 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 low-cost options speeding ticket car insurance in Chula Vista.
Cheapest car insurance in Chula Vista: at-fault accident
Getting into an at-fault car accident will raise your insurance rates more than if you were caught speeding. USAA and AAA are the cheapest options here with average prices around $59 per month and $62 per monthrespectively.
Cheapest Chula Vista Car Insurance: DUI
Getting a DUI is a serious crime that will cause your Chula Vista car insurance rates to go up by hundreds every year. Geico is the cheapest company overall, offering average prices from $63 per month or $762 per year for DUI drivers. Mercury, Kemper, and Progressive are also good options, averaging under $82 per month.
Chula Vista auto insurance costs by zip code
Insurance benefit rates differ in every area of the city, which affects the cost of auto coverage for individuals. Below you will 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, CA: The Bottom Line
Auto coverage in Chula Vista is 11% lower than California auto insurance and 18% less than the national average, so there are plenty of low-cost providers in the market. Geico offers the cheapest minimum and full coverage in town for about $25 and $131 per month, respectively.
Compare free quotes to find the company that meets your California auto insurance needs at the best price. You can compare insurance services and get quotes online or from insurance agents.
Cheapest Car Insurance in Chula Vista, CA: FAQ
Here are some frequently asked questions about the cheapest car insurance in Chula Vista, CA:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.