One of the many criteria that aid in calculating car insurance rates is where you live. Areas with more people or higher crime rates tend to have higher auto insurance costs, whereas areas with less congestion have the benefit of cheaper auto insurance prices.
The table below shows the highest-priced areas in California for drivers with a bad driving record to buy auto insurance in. Chula Vista comes in at #24 with a yearly premium of $1,337 for car insurance, which is around $111 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,711 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,626 |
| 8 | Stockton | $1,603 |
| 9 | Santa Clarita | $1,580 |
| 10 | Garden Grove | $1,570 |
| 11 | Fontana | $1,566 |
| 12 | Modesto | $1,547 |
| 13 | Moreno Valley | $1,536 |
| 14 | Riverside | $1,527 |
| 15 | Fresno | $1,502 |
| 16 | Santa Ana | $1,483 |
| 17 | Anaheim | $1,444 |
| 18 | Huntington Beach | $1,402 |
| 19 | Bakersfield | $1,394 |
| 20 | Irvine | $1,384 |
| 21 | San Jose | $1,381 |
| 22 | Fremont | $1,348 |
| 23 | San Diego | $1,340 |
| 24 | Chula Vista | $1,337 |
| 25 | Oxnard | $1,318 |
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Price information shown is approximated as the specific Chula Vista residence address can revise rates substantially.
The vehicle model that is being insured is probably the largest consideration when consumers are trying to find low-cost coverage for drivers with a bad driving record. Vehicles with lower acceleration and performance, excellent safety ratings, or a positive history of liability claims will cost substantially less to insure than higher performance models.
The list below features insurance costs for the most economical vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $2,790 |
| Jeep Wrangler Sport 4WD 2-Dr | $2,976 |
| Honda Accord EX 4-Dr Sedan | $2,992 |
| Toyota Prius | $3,002 |
| Honda CR-V EX-L 2WD | $3,030 |
| Dodge Grand Caravan CV | $3,156 |
| Ford Edge SE AWD | $3,272 |
| Chevrolet Impala LS | $3,282 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $3,336 |
| Ford Focus SE 4-Dr Sedan | $3,426 |
| GMC Sierra SLE Crew Cab 2WD | $3,460 |
| Toyota RAV4 Sport 4WD | $3,465 |
| Ford Explorer Limited AWD | $3,494 |
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Cost estimates assume single female driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Prices do not factor in Chula Vista, CA location which can decrease or increase insurance rates substantially.
Looking at the rates, we can expect makes and models like the Ford Escape, Jeep Wrangler, and Honda Accord will definitely be some of the most economical vehicles to insure for bad drivers. The price for car insurance will be more expensive because there is more exposure for drivers with a bad driving record, but overall those vehicles will most likely have the cheapest rates available.
Comparing quotes for low-cost car insurance is easier said than done, and deciding which insurers offer the lowest-priced insurance rates for drivers with a bad driving record involves a bit more work.
Each auto insurer has their own unique process for determining rates, so first we will examine the overall cheapest insurance companies in Chula Vista. Keep in mind that Chula Vista, CA insurance rates are influenced by many factors that will increase or decrease the cost of having a policy. Events like a birthday, adding a teenager to your policy, or having an at-fault accident may cause policy rate changes that can cause some rates to be cheaper than competitors.
Lowest Insurance Price Quotes for Imperfect Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,496 |
| 10 | GEICO | $1,513 |
| 11 | Allstate | $1,513 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,588 |
| 14 | MetLife | $1,606 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,750 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,026 |
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USAA generally has some of the best car insurance rates in Chula Vista at around $1,143 per year. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the more affordable Chula Vista, CA insurance companies.
As shown in the rates above, if you currently have coverage with CSAA and switched to USAA, you might see yearly savings of around $55. Insureds with Nationwide may save as much as $107 a year, and 21st Century policyholders might cut rates by $223 a year.
To see if your current coverage is too expensive, click here to start your free quote or quote prices from the following companies.
Bear in mind that those premiums are averages across all drivers and vehicles in California and do not take into consideration an exact location for drivers with a bad driving record. So the company that can offer you the best price may not even be in the top 24 companies in the list above. That’s why you need to get car insurance quotes using your own driver data and vehicle information.
Get discounts on Chula Vista auto insurance
Auto insurance companies that provide policies for drivers with a bad driving record may have policy discounts that could potentially reduce rates by as much as 35% if you meet eligibility requirements. A few popular companies and a partial list of their discounts are:
- GEICO may include discounts for multi-vehicle, defensive driver, anti-lock brakes, anti-theft, and emergency military deployment.
- SAFECO may offer discounts for safe driver, accident prevention training, teen safe driver, teen safety rewards, anti-lock brakes, homeowner, and drive less.
- State Farm discounts include passive restraint, good student, accident-free, anti-theft, safe vehicle, Steer Clear safe driver discount, and good driver.
- MetLife policyholders can earn discounts including claim-free, good student, multi-policy, good driver, defensive driver, accident-free
- 21st Century offers premium reductions for good student, anti-lock brakes, defensive driver, teen driver, and air bags.
- Progressive includes discounts for online signing, multi-policy, good student, continuous coverage, online quote discount, and homeowner.
The illustration below illustrates the comparison of yearly insurance costs with and without policy discounts. The data assumes a male driver, two speeding tickets and one accident, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with continuous coverage, paid-in-full, vehicle safety, multiple policy, marriage, and homeowner discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on insurance for drivers with a bad driving record is 28% or $957.
Choosing a good quality insurance company can be difficult considering how many companies there are in California. The company rank data in the lists below can help you select which car insurance companies you want to consider comparing rates from. The rankings below are only made up of companies that insure vehicles nationwide, so smaller regional companies are not factored into the list.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Impact of violations and accidents on rates in Chula Vista
The obvious way to maintain good insurance premiums in Chula Vista for bad drivers is to drive safely and avoid accidents and violations. The example below illustrates how violations and at-fault fender-benders increase annual premium costs for different ages of insureds. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
In the example above, the average cost of auto insurance in California per year with no accidents and a clean driving record is $2,596. Get one speeding ticket and the average cost hikes up to $3,023, an increase of $427 each year. Now get two accidents along with the one speeding ticket and the annual cost of insurance for drivers with a bad driving record jumps again to an average of $6,655. That’s an increase of $4,059, or $338 per month, just for not maintaining a clean driving record!