The words “affordable” and “auto insurance” really should not be used together, in particular when you are shopping around for the best price on coverage for first-time drivers. Let’s teach you a few of the things that impact insurance prices, and find a way to take the bite out of the next policy you buy.
Figuring out which insurers offer the most affordable car insurance rates for first-time drivers will involve more work than just picking a company at random. Each auto insurer uses their own formula to establish rates, so let’s take a look at the car insurance companies with the overall cheapest rates in Chula Vista, CA.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,186 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | GEICO | $1,529 |
| 10 | Mercury | $1,533 |
| 11 | Allied | $1,541 |
| 12 | Progressive | $1,542 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,705 |
| 17 | Unitrin | $1,733 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,946 |
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USAA quotes some of the cheapest car insurance rates in Chula Vista at around $1,109 annually. Wawanesa, Century National, CSAA, and Nationwide also are some of the lowest-priced Chula Vista, CA auto insurance companies.
As shown in the rates above, if you are a customer of Nationwide and switched to Wawanesa, you might achieve a yearly price reduction of around $104. Policyholders with 21st Century could save as much as $233 a year, and Grange customers might cut rates by $287 a year.
If you want to see how much you could save, click here to start your custom quote or visit any of the low-priced companies below.
These policy rates are averages for all drivers and vehicles and do not take into consideration an exact zip code location for first-time drivers. So the company that has the lowest price for you may not even be in the list above. That emphasizes why you need to get auto insurance quotes using your own personal information and vehicle type.
One of the many criteria that are used to help calculate the price you pay for insurance is where you keep your car in Chula Vista. More densely populated places likely pay more, whereas areas with lower crime rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The table below lists the priciest cities in California for first-time drivers in which to purchase auto insurance. Chula Vista ranks #25 with an annual cost of $1,311 for the average policy, which is approximately $109 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,083 |
| 3 | Oakland | $1,704 |
| 4 | Sacramento | $1,703 |
| 5 | San Francisco | $1,693 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,626 |
| 8 | Santa Clarita | $1,595 |
| 9 | Garden Grove | $1,570 |
| 10 | Fontana | $1,566 |
| 11 | Stockton | $1,556 |
| 12 | Moreno Valley | $1,536 |
| 13 | Modesto | $1,532 |
| 14 | Fresno | $1,517 |
| 15 | Santa Ana | $1,497 |
| 16 | Riverside | $1,497 |
| 17 | Anaheim | $1,474 |
| 18 | Fremont | $1,389 |
| 19 | San Diego | $1,381 |
| 20 | San Jose | $1,381 |
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Price information shown is approximated as specific Chula Vista zip code can lower or raise prices considerably.
The vehicle model you are insuring is one of the largest factors that determines whether or not you can buy the best car insurance for first-time drivers. Vehicles with more horsepower, poor safety ratings, or a high likelihood of having liability claims will cost more to insure than more economical and safe models.
The next list showcases insurance rates for the cheaper automobiles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $3,490 |
| Ford Escape XLS 4WD | $3,495 |
| Honda CR-V EX-L 4WD | $3,522 |
| Toyota Prius | $3,768 |
| Toyota Tacoma 4WD | $3,924 |
| Dodge Grand Caravan SE | $3,929 |
| Ford F-150 STX Regular Cab 4WD | $3,924 |
| Volkswagen Jetta SE 2.5 Station Wagon | $3,982 |
| Ford Edge SEL 2WD | $4,104 |
| Chevrolet Equinox LS 2WD | $4,136 |
| Nissan Altima 2.5 4-Dr Sedan | $4,142 |
| Toyota Camry LE | $4,136 |
| Toyota RAV4 Sport 2WD | $4,144 |
| Ford Explorer Eddie Bauer 4WD | $4,170 |
| Chevrolet Malibu LT | $4,175 |
| Hyundai Elantra Blue 4-Dr Sedan | $4,318 |
| Chevrolet Impala LTZ | $4,350 |
| Toyota Corolla XLE | $4,356 |
| Honda Odyssey EX-L W/Rear Entertainment | $4,350 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $4,380 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $4,384 |
| Ford Fusion SEL 4-Dr Sedan | $4,392 |
| GMC Sierra SLT Extended Cab 4WD | $4,384 |
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Price data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in specific Chula Vista, CA garaging location which can modify rates significantly.
Based upon the table data, you can figure that vehicles like the Honda Accord, Ford Escape, Honda CR-V, Toyota Prius, and Toyota Tacoma are most likely to be a few of the cheaper vehicles to insure for new drivers. The price of auto insurance will trend higher just due to the fact that there is more liability risk for first-time drivers, but in general those particular models will have the cheapest rates that you’ll find.
Tickets and at-fault accidents raise rates
The common sense way to enjoy the best car insurance rates in California for new drivers is to drive safe and avoid accidents and traffic violations. The example below demonstrates how citations and accidents raise car insurance costs for each age group. The prices are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of auto insurance in Chula Vista per year with no violations or accidents is $1,570. Factor in one speeding ticket and the average cost swells to $1,810, an increase of $239 each year. Now include one accident along with the one speeding ticket and the 12-month cost of car insurance for first-time drivers increases to an average of $2,466. That’s an increase of $896, or $75 per month, just for not driving safely!
Picking the best auto insurance provider is difficult considering how many different companies insure vehicles in Chula Vista. The ranking data in the lists below may help you pick which companies to look at to insure your vehicles.
These ratings are only comprised of companies that insure vehicles across America, so smaller regional companies are not taken into consideration for these rankings. If you’d like to compare prices from the most competitive companies in California, click here.
| 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
Your low-price policy may be costing you money
California car insurance rates are influenced by many factors which can substantially change the price you pay. Improving your credit score, getting divorced, or getting a reckless driving citation can produce rate changes resulting in some companies being more affordable than competitors.
In addition, auto insurance companies modify rates without warning to adjust for unexpected claims or profits. A period of increased losses can cause high rates, while profitable underwriting may result in cheaper Chula Vista car insurance rates.
To illustrate this point, the bar chart below shows which company has the cheapest car insurance in Chula Vista, CA for a 30-year-old female driver with no violations or accidents, and a high credit rating. If we estimate rates based on her current risk factors, USAA quotes the lowest car insurance rates in Chula Vista at $1,109 a year. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also on the list of the top five cheapest Chula Vista, CA auto insurance companies.
In this example, we will give the driver in the first chart a chargeable accident, a lower credit rating, and a traffic citation. Since each auto insurance company uses their own calculation for filing rates in each state, comparing insurance quotes could now result in a slightly different list of affordable companies as shown below.
Grange now has the cheapest insurance rate in Chula Vista with Mercury, Allstate, Progressive, and GEICO also being competitive. This illustrates why it is so important to take the time to shop around when trying to find affordable car insurance quotes for first-time drivers.
Car insurance prices are made up of many risk factors and change dramatically, so the most economical company two years ago may now be costing you a lot of money.
How to find more affordable insurance for first-time drivers
Below you’ll find some of the recommended thrifty ideas that can help Chula Vista drivers get cheaper coverage.
- Increase your physical damage deductibles
- Remain accident-free and save
- Full coverage is expensive so only insure older vehicles for liability only
- Try to remain claim-free
- Just one traffic violation will increase your rates
- Compare prices as often as possible
The final tip is notably significant, as was pointed out in the prior article. Prices charged by car insurance companies in Chula Vista change a lot, so don’t hesitate to switch companies if you can find a cheaper rate. Brand loyalty is not necessarily bad, but we do not recommend it if that faithfulness ends up costing you a fortune every year. If you have a few minutes, compare prices to find cheaper car insurance for first-time drivers.
The agents listed below are a good start to answer your questions and help you decide which auto insurance policy fits you best, since lots of people like to get some guidance when comparing insurance rates for first-time drivers. It can be hard to find the cheapest rate yourself, so getting advice from a licensed California insurance agent can give comfort knowing your coverage gives you decent coverage if you have a claim.
To locate a Chula Vista insurance agent close to you, click the link after the list or click here to compare rates now.
- Farmers Insurance – Melissa Talbot
885 Canarios Ct #104 – Chula Vista, CA 91910 – (619) 781-8716 - Princell Insurance Services
1068 Moonstone Pl – Chula Vista, CA 91913 – (619) 397-5955 - State Farm: Cynthia Stojeba
46 3rd Ave B – Chula Vista, CA 91910 – (619) 425-1403 - Premier Insurance Services – Chula Vista, CA
1295 Broadway #209 – Chula Vista, CA 91911 – (619) 768-0161