Finding out which company has the cheapest auto insurance rates for young drivers requires a tad more effort in order to find the lowest price. Each insurer has their own formula for determining rates, so we will examine the most competitive auto insurance companies in Chula Vista.
Keep in mind that California auto insurance rates are determined by lots of factors that control the price you have to pay. Simply getting older, having a teenage driver, or having an accident can trigger price changes resulting in some rates now being cheaper in comparison to the competition.
Best Insurance Companies for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,178 |
| 4 | Nationwide | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,512 |
| 9 | Allstate | $1,513 |
| 10 | Mercury | $1,533 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,603 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,623 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,733 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,788 |
| 20 | Farmers | $2,006 |
| Get Personalized Rates Go | ||
USAA may have some of the best car insurance rates in Chula Vista at around $1,109 per year. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA would also be considered some of the cheapest Chula Vista, CA car insurance companies.
As shown in the table above, if you have coverage with Nationwide and switched to Wawanesa, you may realize a yearly price reduction of around $80. California drivers with CSAA may save as much as $88 a year, and 21st Century policyholders might cut rates by $220 a year.
Understand that those premium estimates are averages for all types of drivers and the different vehicles they drive and and are not calculated with an exact zip code location for young drivers. So the car insurance company that is best suited for you may not even be in the top 24 companies shown above. That’s why you need to quote rates from many companies using your own individual information.
One of the many criteria that aid in calculating insurance cost is where your car is garaged. Cities with larger populations or higher claim trends tend to pay slightly more, whereas less populated areas have the benefit of cheaper auto insurance prices.
The table below shows the most expensive areas in California for young drivers to buy auto insurance in. Chula Vista ranks #24 with an annual rate of $1,337 for car insurance, which is about $111 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,083 |
| 3 | Oakland | $1,738 |
| 4 | Sacramento | $1,703 |
| 5 | San Francisco | $1,693 |
| 6 | Stockton | $1,603 |
| 7 | San Bernardino | $1,596 |
| 8 | Long Beach | $1,578 |
| 9 | Garden Grove | $1,570 |
| 10 | Fontana | $1,566 |
| 11 | Moreno Valley | $1,551 |
| 12 | Santa Clarita | $1,548 |
| 13 | Modesto | $1,547 |
| 14 | Riverside | $1,527 |
| 15 | Fresno | $1,502 |
| 16 | Santa Ana | $1,483 |
| 17 | Anaheim | $1,430 |
| 18 | Fremont | $1,403 |
| 19 | San Jose | $1,395 |
| 20 | Bakersfield | $1,381 |
| Get a Custom Quote Go | ||
Annual rates are approximated as the specific zip code location can increase or decrease insurance rates noticeably.
Insuring your vehicle with a highly-rated auto insurance company is difficult considering how many choices there are in Chula Vista. The company information displayed below could help you pick which car insurance providers to look at purchasing from. The ratings below are for large insurance companies, so companies that have a smaller presence are not taken into consideration for this list.
Top 10 Large Auto Insurers Overall in Chula Vista
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Safe drivers pay less for auto insurance
The ideal way to maintain affordable auto insurance prices in California for youthful drivers is to be a good driver and avoid accidents and keep your driving record clean. The example below illustrates how speeding tickets and accident claims impact premium costs for different categories of driver ages. Data assumes a single male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of car insurance in Chula Vista per year with no accidents or violations is $3,093. Get written up for one speeding ticket and the average cost surges to $3,488, an increase of $395 each year. Now get one accident along with the one speeding ticket and the annual cost of auto insurance for young drivers increases to an average of $4,604. That’s an increase of $1,511, or $126 per month, just for not maintaining a clean driving record!
How to find economical insurance for young drivers
The list below summarizes a few money-saving suggestions that can help California drivers buy lower-cost coverage.
- Drive attentively and avoid accidents
- Earn a discount by not filing claims
- Avoid getting citations and tickets
- Remove physical damage coverage on older vehicles
- Increase your policy deductibles
- Shop around and save
The last tip is extremely significant, as we noted in this article. Rates change a lot, so don’t hesitate to buy a different policy if you can find a cheaper rate. Having brand loyalty is commendable, but it’s not a great idea if that faithfulness ends up costing you money that could be used for better things. Now is a great time to compare prices and find cheaper auto insurance for young drivers in Chula Vista.
If you aren’t clear which coverage you need and would like to have some advice when shopping for cheaper insurance for young drivers, the insurance agencies listed below are a good start to answer your questions and help you decide which auto insurance coverages would be the best in your situation. To find a Chula Vista insurance agency by location nearest to you, click the button after the list.
- Mark G Witcher – State Farm Insurance Agent
945 Otay Lakes Rd k – Chula Vista, CA 91913 – (619) 656-4200 - Elect Insurance Center
1229 Third Ave c – Chula Vista, CA 91911 – (619) 425-3532 - Hoffman Hanono Insurance Agency
2090 Otay Lakes Rd #102 – Chula Vista, CA 91915 – (619) 420-1861