Cheap Quotes for Chula Vista, CA Car Insurance (2024)
Chula Vista, California car insurance rates average $283 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple Chula Vista, CA companies, you can find cheap Chula Vista car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Chula Vista, CA after a DUI are $4,782/year
- Chula Vista has an average commute time of 30.0 minutes
- Average car insurance rates in Chula Vista, CA for senior drivers are $2,036/year
How do the Chula Vista, California monthly average car insurance rates of $283/month compare to nearby cities like San Jose car insurance rates, Fresno car insurance rates, and Bakersfield car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Chula Vista, CA.
We’ll cover the California minimum coverage requirements, California car insurance laws, and Chula Vista, CA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Chula Vista, California companies to find the most affordable Chula Vista car insurance rates.
Enter your ZIP code above to find cheap Chula Vista, CA car insurance quotes today.
What are the minimum Chula Vista, CA car insurance requirements?
To meet California minimum car insurance coverage requirements, Chula Vista, CA drivers need to carry at least 15/30/5 coverage.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Average Chula Vista, CA Car Insurance Rates by ZIP Code
Where you live is a major determinate of your car insurance rates. Even within Chula Vista, CA you can see that rates will vary by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 91902 | $4,684 |
| 91910 | $4,663 |
| 91911 | $4,779 |
| 91913 | $4,585 |
| 91914 | $4,557 |
| 91915 | $4,549 |
How do age, gender, and marital status affect Chula Vista, CA car insurance rates?
Three of the criteria that most affect car insurance rates in Chula Vista, California are age, gender, and marital status. Let’s take a look at how each of these stack up with top Chula Vista car insurance companies.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,855 | $2,900 | $2,047 | $2,109 | $7,517 | $9,550 | $3,765 | $4,287 |
| Farmers | $2,461 | $2,461 | $2,216 | $2,216 | $7,828 | $12,819 | $2,913 | $3,241 |
| Geico | $1,467 | $1,468 | $1,380 | $1,380 | $4,466 | $4,539 | $2,107 | $2,152 |
| Liberty Mutual | $2,079 | $1,968 | $1,926 | $1,867 | $4,475 | $4,770 | $2,341 | $2,364 |
| Nationwide | $3,053 | $2,919 | $2,667 | $2,518 | $7,692 | $8,502 | $3,642 | $3,603 |
| Progressive | $1,599 | $1,644 | $1,355 | $1,607 | $4,205 | $5,069 | $2,297 | $2,467 |
| State Farm | $3,102 | $3,102 | $2,770 | $2,770 | $5,684 | $7,060 | $3,430 | $3,536 |
| Travelers | $2,348 | $2,279 | $2,068 | $2,047 | $4,777 | $5,453 | $3,030 | $2,980 |
| USAA | $1,891 | $1,794 | $1,845 | $1,856 | $4,264 | $4,295 | $2,617 | $2,476 |
How much do teen drivers pay for car insurance in Chula Vista, CA?
Chula Vista, California car insurance rates for teens are often higher than rates for other drivers. Compare Chula Vista car insurance rates from multiple Chula Vista, California car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,517 | $9,550 |
| Farmers | $7,828 | $12,819 |
| Geico | $4,466 | $4,539 |
| Liberty Mutual | $4,475 | $4,770 |
| Nationwide | $7,692 | $8,502 |
| Progressive | $4,205 | $5,069 |
| State Farm | $5,684 | $7,060 |
| Travelers | $4,777 | $5,453 |
| USAA | $4,264 | $4,295 |
How much do senior drivers pay for car insurance in Chula Vista, CA?
With a little research, seniors can find affordable car insurance in Chula Vista, California. Here’s a look at how the top Chula Vista car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,047 | $2,109 |
| Farmers | $2,216 | $2,216 |
| Geico | $1,380 | $1,380 |
| Liberty Mutual | $1,926 | $1,867 |
| Nationwide | $2,667 | $2,518 |
| Progressive | $1,355 | $1,607 |
| State Farm | $2,770 | $2,770 |
| Travelers | $2,068 | $2,047 |
| USAA | $1,845 | $1,856 |
How does coverage level affect Chula Vista, CA car insurance rates?
How much coverage do you need? Are you comfortable with the California minimum of 15/30/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Chula Vista, CA car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,199 | $4,409 | $4,528 |
| Farmers | $4,206 | $4,554 | $4,798 |
| Geico | $2,151 | $2,397 | $2,562 |
| Liberty Mutual | $2,537 | $2,747 | $2,888 |
| Nationwide | $3,887 | $4,399 | $4,688 |
| Progressive | $2,279 | $2,604 | $2,708 |
| State Farm | $3,548 | $3,996 | $4,252 |
| Travelers | $2,732 | $3,205 | $3,432 |
| USAA | $2,398 | $2,679 | $2,813 |
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How does your driving record affect Chula Vista, CA car insurance rates?
Safe driving pays off. The more traffic violations you have in Chula Vista, CA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Chula Vista, California companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,612 | $4,470 | $6,982 | $3,451 |
| Farmers | $3,344 | $4,550 | $5,666 | $4,517 |
| Geico | $1,657 | $2,560 | $3,208 | $2,055 |
| Liberty Mutual | $2,363 | $3,168 | $2,859 | $2,505 |
| Nationwide | $3,018 | $3,869 | $6,543 | $3,869 |
| Progressive | $1,661 | $2,812 | $3,258 | $2,391 |
| State Farm | $2,803 | $3,345 | $6,325 | $3,255 |
| Travelers | $2,101 | $3,385 | $3,941 | $3,066 |
| USAA | $1,748 | $2,598 | $4,259 | $1,915 |
How does a DUI affect Chula Vista, CA car insurance rates?
With even one DUI on your record, you can see an increase in your Chula Vista, CA car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,982 |
| Farmers | $5,666 |
| Geico | $3,208 |
| Liberty Mutual | $2,859 |
| Nationwide | $6,543 |
| Progressive | $3,258 |
| State Farm | $6,325 |
| Travelers | $3,941 |
| USAA | $4,259 |
How does your commute affect Chula Vista, CA car insurance rates?
Chula Vista, CA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for California can be seen here. Remember, though, that you may have to carry substantially more car insurance in Chula Vista if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,946 | $4,812 |
| Farmers | $4,100 | $4,938 |
| Geico | $2,153 | $2,587 |
| Liberty Mutual | $2,501 | $2,947 |
| Nationwide | $3,823 | $4,826 |
| Progressive | $2,297 | $2,764 |
| State Farm | $3,788 | $4,076 |
| Travelers | $2,812 | $3,434 |
| USAA | $2,425 | $2,835 |
Who has the cheapest Chula Vista, CA car insurance rates?
Here’s a breakdown of Chula Vista, California car insurance rates by company. You can see which company offers the cheapest Chula Vista car insurance rates in each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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What are the top Chula Vista, CA car insurance companies?
Which Chula Vista, California car insurance company will best fit your needs and budget? Check out this comparison of the top Chula Vista companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,379 |
| Farmers | $4,519 |
| Geico | $2,370 |
| Liberty Mutual | $2,724 |
| Nationwide | $4,325 |
| Progressive | $2,530 |
| State Farm | $3,932 |
| Travelers | $3,123 |
| USAA | $2,630 |
What factors affect Chula Vista, CA car insurance rates?
Why are Chula Vista, California car insurance rates different than rates in San Jose or Fresno? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
What is the car theft rate in Chula Vista, CA?
FBI statistics show that the Chula Vista, California car theft rate is 688 thefts each year. High theft rates can lead to higher than average Chula Vista, CA car insurance rates.
How long is the average commute in Chula Vista, CA?
More time spent behind the wheel can lead to higher Chula Vista, California car insurance rates. In Chula Vista, CA, the average commute length is 30.0 minutes.
Car Insurance Quotes for Chula Vista, CA
Shop for affordable Chula Vista, California car insurance rates today. Enter your ZIP code to compare quotes from multiple Chula Vista, CA car insurance companies.
Compare quotes from the top car insurance companies and save
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.