The best car insurance in Chula Vista, CA

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Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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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.

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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 at $794 per year

  • The cheapest ZIP code for car insurance in Chula Vista was 91914, where the average cost of coverage is $1,651 per year

  • 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

$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

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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

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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 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.

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: $50,000 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.