The best car insurance in Chula Vista, CA

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By

Rachael Brennan

Rachael Brennan

Property and Casualty Insurance Expert

Rachael Brennan is a senior insurance editor at Policygenius, specializing in auto insurance. She worked for 21st Century Insurance, BlueCross BlueShield Massachusetts, and HealthPass New York. She also spent two years working as a content expert for dozens of auto insurance websites through 360Quote LLC.

Published September 28, 2021

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The average cost of a full coverage car insurance in Chula Vista is $1,812 per year, which comes in at $166 less than the state average of $1,978. Car insurance rates are already a little lower in Chula Vista than the average rate in California, but you can still take steps to save even more money on your car insurance.

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The easiest and most effective way to save money on car insurance is to compare rates between multiple companies. Policygenius can help you compare quotes and choose the best coverage for you.

Key Takeaways

  • Wawanesa has the lowest average rate for full coverage in Chula Vista

  • The cheapest ZIP code for car insurance in Chula Vista was 91913

  • California minimum liability requirements are $15,000 per person/$30,000 per person in bodily injury liability and $5,000 in property damage liability

Cheapest car insurance companies in Chula Vista, CA

Drivers with the same car living in the same city can have two very different rates for car insurance based on a number of factors, including their personal driving history, ZIP code, and which insurance company they chose. Each company has their own standard for setting rates, which means two different companies could have noticeably different rates for the exact same driver.

Company

Average cost

JD Power Rating

Wawanesa

$947

--

GEICO

$1,200

871

Mercury Insurance

$1,376

849

USAA

$1,469

890

Kemper

$1,471

--

Cheapest car insurance rates by ZIP code in Chula Vista, CA

Car insurance rates can vary significantly based on your ZIP code. Rates are determined by the number of accidents, traffic tickets, and car thefts in a given ZIP code, as well as less obvious things like street parking vs. parking in driveways and secured garages.

Below are the average rates based on ZIP code in Chula Vista.

ZIP code

Average cost

91902

$1,714

91910

$1,712

91911

$1,724

91913

$1,699

91914

$1,678

91915

$1,688

Choosing the right car insurance company in Chula Vista, CA

Choosing the right car insurance company in Chula Vista means finding a company who offers an excellent product at an affordable price. When you’re ready to find the right insurance policy for you, our insurance experts at Policygenius will be there to help you get the right policy at the right price.

Car insurance rates for drivers with driving violations in Chula Vista, CA

Driving history is one of the biggest factors insurance companies use when setting your rates. This means that a single accident or moving violation could have a serious effect on your insurance rates. Maintaining a blemish-free driving record is the easiest and most effective way to keep your insurance rates low.

Violation

Wawanesa

GEICO

Mercury Insurance

USAA

Kemper

At-fault Accident

$1,478

$2,210

$2,400

$2,103

$3,404

DUI

$1,754

$3,074

$2,292

$4,329

$3,404

Driving with a suspended license

$1,396

$2,196

$2,292

$3,060

$1,579

Driving with an open container

$1,754

$3,074

$2,292

$3,256

$2,600

Driving with expired registration

$1,396

$1,983

$1,834

$1,657

$2,080

Driving without Lights

$1,396

$1,983

$1,834

$1,512

$2,080

Failure to show documents

$1,396

$1,983

$1,834

$1,657

$2,080

Failure to stop at a red light

$1,396

$1,983

$1,834

$1,657

$2,080

Cheapest car insurance for drivers with bad credit in Chula Vista, CA

Some states allow insurance companies to rate drivers based on their credit score because they believe drivers with lower credit scores are more likely to file a claim. California, however, has decided that rating based on your credit history can unfairly penalize some drivers. There are laws in place in the state that prevent insurance companies from determining your rates based on your credit history.

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Buying car insurance in Chula Vista, CA

California law says everyone who owns a vehicle in the state must carry one of the following types of auto insurance:

  • Motor vehicle liability insurance policy

  • Cash deposit of $35,000 with DMV

  • DMV-issued self-insurance certificate

  • Surety bond for $35,000 from a company licensed to do business in California

Drivers who choose to carry a liability insurance policy must have no less than the required levels of liability insurance:

  • $15,000 per person/$30,000 per accident for bodily injury liability

  • $5,000 for property damage liability

Given how much damage can be done even in a small fender bender, California minimum insurance requirements are very low. Drivers who want sufficient protection in the event of an accident should consider carrying higher levels of liability insurance. 

The state only requires basic bodily injury and property damage liability coverage, which means drivers carrying state minimum coverage levels aren’t covered for damage to their own vehicle and they have no protection against uninsured or underinsured motorists. Drivers who can’t afford to repair or replace their vehicle out-of-pocket should carry comprehensive and collision coverage as well.

How to get cheap car insurance in Chula Vista, CA

There are many discounts that are available to drivers in Chula Vista, including:

  • Good student discount

  • Bundling discount

  • Safe driver discount

  • Group/employer/professional discount

  • Low mileage discount

  • Accident free discount

  • Military discount

If discounts are not enough to make car insurance affordable, you might be able to take advantage of California’s Low Cost Auto Insurance program.

Frequently Asked Questions

What is the best car insurance?

The best car insurance is the policy that best meets your needs. The cheapest coverage in California is Wawanesa, but just because they are the most affordable doesn’t mean they are necessarily the right insurance company for you. You can compare quotes from multiple companies with our Policygenius insurance experts to find the plan that offers you the best coverage at the best rates.

Does my gender impact my insurance rates?

California is one of several states that have made it illegal for policy providers to use gender to determine insurance rates. Other states with similar laws are Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania.

Why is car insurance so expensive for young drivers?

Young drivers have less experience driving, which means they are more likely to be in an accident. Insurance companies charge more for young drivers to account for the increased risk of insuring a driver who doesn’t have much experience behind the wheel.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.