After getting a DUI, one of the largest factors that are looked at to determine the amount you pay for auto insurance is where your car is garaged. Larger areas will most likely pay more, whereas areas with less people or fewer weather incidents tend to receive cheaper rates.
The illustration below ranks the most expensive places in California for drivers with a DUI to purchase auto insurance in. Chula Vista is listed at #25 having an annual price of $1,311 for the average policy, which is around $109 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,142 |
| 3 | Oakland | $1,738 |
| 4 | Sacramento | $1,720 |
| 5 | San Francisco | $1,693 |
| 6 | Long Beach | $1,610 |
| 7 | Stockton | $1,603 |
| 8 | San Bernardino | $1,596 |
| 9 | Santa Clarita | $1,595 |
| 10 | Moreno Valley | $1,551 |
| 11 | Fontana | $1,535 |
| 12 | Riverside | $1,527 |
| 13 | Garden Grove | $1,524 |
| 14 | Modesto | $1,502 |
| 15 | Santa Ana | $1,483 |
| 16 | Fresno | $1,472 |
| 17 | Anaheim | $1,430 |
| 18 | Huntington Beach | $1,402 |
| 19 | San Jose | $1,381 |
| 20 | Fremont | $1,361 |
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Premium amounts are comparative as the specific Chula Vista residence address can decrease or increase auto insurance rates considerably.
The make and model of vehicle driven is one of the biggest factors when looking for the best cheap auto insurance for drivers with a DUI. Vehicles with lots of horsepower, poor passenger safety features, or high incidents of liability claims will cost more to insure than safer, lower-performance models.
The data below ranks car insurance prices for a handful of the cheapest vehicles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,226 |
| Toyota Prius | $1,244 |
| Ford Edge SEL AWD | $1,302 |
| Ford Escape Limited 4WD | $1,304 |
| Toyota Camry LE | $1,328 |
| Nissan Altima 2.5 4-Dr Sedan | $1,333 |
| Ford F-150 FX2 Super Cab 2WD | $1,340 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,346 |
| Ford Explorer Eddie Bauer AWD | $1,352 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,376 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,402 |
| Toyota RAV4 4WD | $1,420 |
| Chevrolet Malibu Hybrid | $1,426 |
| Chevrolet Equinox LTZ 2WD | $1,434 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $1,426 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,432 |
| Dodge Grand Caravan Crew | $1,446 |
| Compare Cheap Rates Go | |
Data assumes single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in specific zip code location which can lower or raise rates greatly.
Based upon the rates shown, you can presume that makes and models like the Honda CR-V, Toyota Prius, Ford Edge, Ford Escape, and Toyota Camry will be some of the less-costly vehicles to insure after getting a DUI. The cost of auto insurance will be more expensive just because there is more claim exposure for drivers with a DUI, but in general those makes and models will have the cheapest car insurance rates compared to all other vehicles.
Deciphering which company offers the most affordable auto insurance rates for drivers with a DUI will take a tad more effort in order to find the most economical policy. Every car insurance company uses their own calculation to determine rates, so let’s rank the most affordable auto insurance companies in California.
Best Insurance Companies after a DUI
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,178 |
| 4 | Nationwide | $1,213 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | Allied | $1,541 |
| 10 | Mercury | $1,548 |
| 11 | Progressive | $1,558 |
| 12 | GEICO | $1,575 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,590 |
| 15 | Esurance | $1,705 |
| 16 | State Farm | $1,733 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,006 |
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USAA has some of the most affordable car insurance rates in Chula Vista at around $1,155 per year. This is $496 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA would also make the list of some of the most economical Chula Vista, CA auto insurance companies.
As shown above, if you currently have a policy with Nationwide and switched to USAA, you might achieve an annual premium reduction of in the vicinity of $58. Insureds with CSAA could save as much as $79 a year, and 21st Century policyholders might lower prices by up to $224 a year.
Remember that these prices are averages for all ages of drivers and types of vehicles and do not factor in a specific zip code for drivers with a DUI. So the car insurance company that fits your age and vehicle best may not even be in the list above. That is why you need to quote rates from many companies using your own specific driver information and vehicle.
Picking the top car insurance company is difficult considering how many companies provide coverage in Chula Vista. The company rank data in the next section can help you analyze which auto insurers you want to consider when comparing auto insurance rates for drivers with a DUI. These rankings include the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in California are not taken into consideration for these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The diagram below highlights how deductible selection can affect yearly insurance costs when searching for cheap insurance for drivers with a DUI. The information is based on a married male driver, full physical damage coverage, and no additional discounts are factored in.
The chart above illustrates that a 40-year-old driver could lower their policy premium by $428 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $648 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old category, could drop their prices up to $1,434 each year by choosing a higher deductible. When using a larger deductible, it will now be necessary to have plenty of savings on hand to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Price comparison of only insuring for liability
Reducing premiums for auto insurance is probably important to most drivers, and an effective way to reduce the cost of insurance for drivers with a DUI is to only buy liability coverage. The chart below shows the difference between insurance prices with and without full coverage. The information is based on no claims or violations, $500 deductibles, single status, and no policy discounts are applied.
Averaged for all ages 20 through 70, physical damage coverage on your policy costs $2,772 per year over liability only. Many of you may wonder when is the right time to remove full coverage. There is no set guideline of when to drop full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s pretend your vehicle’s book value is $5,500 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $4,500 after paying the physical damage deductible. If you are paying more than $450 annually to have full coverage, then you might consider buying liability only.
How to find the cheapest car insurance for drivers with a DUI
It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching ideas that can help drivers find low-cost coverage.
- Do not get traffic tickets
- Prevent price hikes by avoiding at-fault accidents
- Bundle home and auto and save
- The safer your car, the less it costs to insure
- Try to remain claim-free
- Shop around for cheaper prices
The last tip in the list is extraordinarily critical, as was noted in this piece. Car insurance rates in Chula Vista change constantly, so don’t be tentative to buy from a different company if a better deal can be had.
Loyalty to a specific company is fine, but is isn’t recommended if it’s costing you a considerable chunk of change every month. It only take a few minutes to shop around and find cheaper car insurance for drivers with a DUI.
If you wish to get some professional advice when buying car insurance for drivers with a DUI, the professional agents shown below can help you make a decision which coverages you need.
To locate an agency closest to you, click the button at the bottom.
Allstate Insurance: Candy Raya
985 Broadway j – Chula Vista, CA 91911 – (619) 691-8111
Penagos Insurance
1680 Broadway – Chula Vista, CA 91911 – (619) 691-1071
Hotwire Insurance
555 Broadway #2018 – Chula Vista, CA 91910 – (877) 221-0676
Mercury Insurance Agency est. 1966
40 Third Ave – Chula Vista, CA 91910 – (619) 427-2662
State Farm: Danny Patel
345 F St #160 – Chula Vista, CA 91910 – (619) 426-8352