One of the more important criteria that are looked at to help calculate the amount you pay each year for auto insurance is where you normally keep your vehicle in Chula Vista. Regions with more people or even just more weather-related claims tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents benefit from lower prices.
The illustration below ranks the highest-priced areas in California for uninsured drivers to buy car insurance in. Chula Vista is ranked at #24 with the annual price of $1,311 for the average insurance policy, which is about $109 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,083 |
| 2 | Glendale | $2,079 |
| 3 | Sacramento | $1,703 |
| 4 | San Francisco | $1,693 |
| 5 | Oakland | $1,687 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,562 |
| 8 | Garden Grove | $1,554 |
| 9 | Moreno Valley | $1,551 |
| 10 | Santa Clarita | $1,548 |
| 11 | Riverside | $1,542 |
| 12 | Stockton | $1,541 |
| 13 | Fontana | $1,519 |
| 14 | Santa Ana | $1,497 |
| 15 | Anaheim | $1,488 |
| 16 | Modesto | $1,487 |
| 17 | Fresno | $1,472 |
| 18 | Huntington Beach | $1,416 |
| 19 | Bakersfield | $1,381 |
| 20 | San Jose | $1,381 |
| 21 | San Diego | $1,381 |
| 22 | Fremont | $1,361 |
| 23 | Irvine | $1,343 |
| 24 | Chula Vista | $1,311 |
| 25 | Oxnard | $1,304 |
| Find Cheaper Rates Go | ||
Table data uses approximated as specific Chula Vista zip code can influence price quotes significantly.
The make and model of vehicle requiring insurance is a significant factor when trying to find cheaper insurance for uninsured drivers. Vehicles with reasonable performance levels, good safety features, or a low likelihood of liability claims will cost much less to insure than adrenaline junky models.
The data below estimates insurance premiums for the cheapest automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $806 |
| Toyota Prius | $872 |
| Ford Escape XLT 2WD | $888 |
| Toyota RAV4 4WD | $934 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $962 |
| Hyundai Elantra Blue 4-Dr Sedan | $966 |
| Chevrolet Impala LTZ | $984 |
| GMC Sierra SLE Regular Cab 4WD | $1,000 |
| Jeep Grand Cherokee Limited 4WD | $1,007 |
| Dodge Grand Caravan Hero | $1,020 |
| Chevrolet Equinox LS AWD | $1,025 |
| Honda Odyssey EX | $1,028 |
| Ford Edge SE AWD | $1,037 |
| Toyota Tacoma Double Cab 4WD | $1,040 |
| Ford F-150 Lariat Crew Cab 4WD | $1,049 |
| Compare Cheap Rates Go | |
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in specific garaging location which can modify auto insurance rates noticeably.
Based upon the rates shown, we can expect cars like the Honda CR-V, Toyota Prius, Ford Escape, and Toyota RAV4 are likely to be some of the most economical vehicles to insure for drivers with no prior coverage.
Establishing which companies quote the best insurance rates for uninsured drivers takes a tad more effort than just picking a company at random. Every insurance company has a proprietary method to determine premium rates, so we need to take a look at the insurance companies with the overall cheapest rates in California.
Find the Cheapest Auto Insurance in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Wawanesa | $1,146 |
| 2 | USAA | $1,155 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,379 |
| 7 | Mercury | $1,488 |
| 8 | Grange | $1,491 |
| 9 | Progressive | $1,496 |
| 10 | Allstate | $1,559 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,603 |
| 13 | MetLife | $1,638 |
| 14 | The Hartford | $1,639 |
| 15 | Unitrin | $1,699 |
| 16 | Esurance | $1,705 |
| 17 | State Farm | $1,750 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $2,006 |
| Find Your Rate Go | ||
Wawanesa has some of the best car insurance rates in Chula Vista at around $1,146 per year. This is $505 less than the average premium paid by California drivers of $1,651. USAA, Nationwide, Century National, and CSAA would also be considered some of the cheapest Chula Vista, CA car insurance companies.
In the above example, if you currently buy coverage from CSAA and switched to USAA, you may see annual savings of in the vicinity of $79. Drivers with 21st Century may save as much as $224 a year, and Mercury customers might lower prices by $333 a year.
Understand that those premium estimates are averages across all ages of drivers and types of vehicles and and are not calculated with a vehicle location for uninsured drivers. So the company that is best suited for you may not even be in the top 24 companies shown above. That underscores the importance of why you need to get rate quotes from many companies using your own driver information and specific vehicle type.
Get discounts on Chula Vista insurance
Auto insurance companies that sell policies for uninsured drivers may have policy discounts that may potentially lower prices by as much as 35% or more if you meet eligibility requirements. Companies and a partial list of their discounts include:
- Progressive may include discounts for online signing, good student, multi-vehicle, online quote discount, homeowner, and continuous coverage.
- The Hartford has savings for anti-theft, defensive driver, bundle, good student, air bag, and vehicle fuel type.
- Mercury Insurance has discounts for anti-theft, good student, type of vehicle, good driver, annual mileage, professional/association, and location of vehicle.
- GEICO includes discounts for military active duty, five-year accident-free, anti-lock brakes, seat belt use, good student, membership and employees, and emergency military deployment.
- AAA may offer discounts for good driver, AAA membership discount, multi-policy, good student, multi-car, and pay-in-full.
- State Farm may have discounts that include accident-free, passive restraint, Steer Clear safe driver discount, student away at school, and defensive driving training.
The illustration below shows the comparison of auto insurance rates with and without discounts applied. The premiums are based on a female driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with safe-driver, passive restraint, homeowner, anti-theft, vehicle safety, and accident-free discounts applied. With discounts applied, the average savings per year on insurance for uninsured drivers is 28% or $747.
Does full coverage make sense?
Saving money when shopping for insurance is important to most drivers, and one common way to reduce the cost of insurance for uninsured drivers is to buy only liability coverage. The chart below illustrates the difference between auto insurance costs with full coverage compared to only the California minimum liability coverage. The price estimates are based on no claims or driving violations, $1,000 deductibles, drivers are not married, and no discounts are factored in.
As an average for all age groups, physical damage coverage costs an extra $1,849 per year over having just liability coverage. A very common question is if paying for full coverage is a waste of money. There isn’t a written rule to stop paying for physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
There are some circumstances where buying only liability insurance is not a good idea. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
The illustration below demonstrates how choosing different deductibles can affect insurance prices when trying to find cheap insurance for uninsured drivers. The data assumes a single female driver, full coverage, and no additional discounts are factored in.
As shown above, a 40-year-old driver could reduce rates by $350 a year by switching from a $100 deductible to a $500 deductible, or save $530 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old, can cut as much as $888 or more just by choosing higher deductibles when buying full coverage. If you do decide to increase your deductibles, it is a good idea to have additional savings on hand to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Compare rates to save
Chula Vista insurance rates are impacted by many things which can significantly increase or decrease the price of coverage. Turning one year older, becoming a homeowner, or getting a reckless driving citation can produce rate changes that can now make some companies cheaper than before. Not only may your risk profile change, but auto insurance companies amend pricing as often as every quarter to adjust for gains or losses. Higher than usual claims may result in increased policy costs, while long-term profits can produce more affordable Chula Vista car insurance rates.
To help illustrate this point, the graph below shows the companies that have the cheapest car insurance in Chula Vista, CA for a 45-year-old male driver with no accidents or violations, and a good credit history. Based on his current risk factors, USAA may offer the best car insurance rates in Chula Vista at $1,109 a year. This is $542 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National round out the rest of the most affordable Chula Vista, CA auto insurance companies.
The example below compares rates after we give the driver from the first example a claim, a lower credit rating, and a traffic ticket or two. Since every car insurance company uses their own method for determining rates, comparing insurance quotes may now result in a significantly different list of affordable Chula Vista car insurance companies as shown below.
Grange now has the lowest car insurance rate in Chula Vista with Allstate, GEICO, Mercury, and Progressive also having competitive pricing. This shows why Chula Vista drivers need to compare lots of rates when trying to find the best auto insurance quotes for uninsured drivers.
Prices are made up of many factors and can change without notice, so the best company three years ago may now be costing you a lot of money.