The average cost of a full coverage car insurance in Chula Vista is $1,680 per year, which comes in at $157 cheaper than the statewide average of $1,837. 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.
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.
Methodology & why you can trust our rates
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: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
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.
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 | $794 | -- |
GEICO | $1,200 | 874 |
Mercury Insurance | $1,376 | 830 |
Kemper | $1,464 | 798 |
National General Insurance | $1,466 | 838 |
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 |
|---|---|
91914 | $1,651 |
91915 | $1,664 |
91913 | $1,682 |
91902 | $1,689 |
91910 | $1,696 |
91911 | $1,697 |
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 | Kemper | National General Insurance |
|---|---|---|---|---|---|
At-fault accident | $1,229 | $2,210 | $2,400 | $3,386 | $2,218 |
DUI | $1,443 | $3,074 | $2,292 | $3,386 | $2,055 |
Suspended license | $1,155 | $2,196 | $2,292 | $1,572 | $2,108 |
Open container | $1,443 | $3,074 | $2,292 | $2,588 | $1,576 |
Expired registration | $1,155 | $1,983 | $1,834 | $2,070 | $1,576 |
Driving without lights | $1,155 | $1,983 | $1,834 | $2,070 | $1,576 |
Running a red light | $1,155 | $1,983 | $1,834 | $2,070 | $1,576 |
Following too closely | $1,155 | $1,983 | $1,834 | $2,070 | $1,576 |
Hit and run | $1,443 | $2,196 | $2,292 | $3,386 | $2,108 |
Not-at-fault accident | $817 | $1,223 | $1,389 | $1,572 | $1,506 |
Passing a school bus | $1,155 | $1,983 | $1,834 | $2,070 | $1,576 |
Reckless driving | $1,443 | $2,196 | $2,292 | $3,386 | $2,108 |
Speeding | $1,155 | $1,910 | $1,834 | $2,070 | $1,576 |
Cheapest car insurance for drivers with a DUI in Chula Vista, CA
Drivers in Chula Vista pay lower-than-average car insurance rates for the state of California, but they should still expect to see their rates go up if they get a DUI or DWI. The average annual cost for car insurance in Chula Vista is $1,680 per year. California drivers with a DUI on their record pay an average of $5,223 per year, which is 210% higher than the rates for drivers with a clean driving history.
But drivers can find lower rates by comparing quotes from multiple companies, even drivers with a DUI. Our research shows that the companies in Chula Vista with the lowest rates for drivers with a DUI are Wawanesa, National General, and Mercury Insurance.
Company | Rates for drivers with DUIs |
|---|---|
Wawanesa | $1,443 |
National General Insurance | $2,055 |
Mercury Insurance | $2,292 |
GEICO | $3,074 |
Kemper | $3,386 |
Cheapest car insurance for drivers with a speeding ticket in Chula Vista, CA
A speeding ticket or other moving violation can also cause your car insurance rates to go up in Chula Vista. The average cost of insurance for a California driver with a speeding ticket is $2,788 per year.
Our research shows that Wawanesa, National General, and Mercury Insurance offer the lowest rates for drivers with a speeding ticket in Chula Vista, but rates vary by company, so you should still compare quotes from multiple companies to make sure you get the best rate.
Company | Rates for drivers with speeding tickets |
|---|---|
Wawanesa | $1,155 |
National General Insurance | $1,576 |
Mercury Insurance | $1,834 |
GEICO | $1,910 |
Kemper | $2,070 |
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.
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 in California?
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 in CA?
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, North Carolina and Pennsylvania.
How much is car insurance per month in California?
The average cost of car insurance in California is $153 per month, or $1,837 per year.
