After a few driving violations, one of the largest things that help determine the amount you pay each year for auto insurance is your address. Areas with increased crime or more people will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap car insurance rates.
The table below rates the most costly cities in California after a speeding ticket in which to buy car insurance. Chula Vista makes the list at #23 having an annual price of $1,350 for coverage, which is approximately $113 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,083 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,755 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,644 |
| 7 | Stockton | $1,588 |
| 8 | Long Beach | $1,578 |
| 9 | Santa Clarita | $1,548 |
| 10 | Modesto | $1,547 |
| 11 | Riverside | $1,527 |
| 12 | Garden Grove | $1,524 |
| 13 | Fontana | $1,519 |
| 14 | Moreno Valley | $1,506 |
| 15 | Fresno | $1,457 |
| 16 | Santa Ana | $1,439 |
| 17 | Anaheim | $1,430 |
| 18 | Fremont | $1,403 |
| 19 | San Jose | $1,381 |
| 20 | Bakersfield | $1,381 |
| 21 | San Diego | $1,368 |
| 22 | Huntington Beach | $1,360 |
| 23 | Chula Vista | $1,350 |
| 24 | Oxnard | $1,344 |
| 25 | Irvine | $1,343 |
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Annual rates are comparative as the garaging address in Chula Vista can affect insurance rates considerably.
Deciphering which companies have the cheapest insurance rates after a speeding ticket will involve a bit more work in order to find the best price. Each auto insurer uses different criteria to set premium rates, so let’s examine the insurance companies with the overall best prices in Chula Vista.
It’s important that you understand Chula Vista, CA insurance rates are impacted by many factors that control the cost of coverage. Turning one year older, getting divorced, or having an at-fault accident may prompt premium changes that can make some companies affordable when they were higher priced.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,222 |
| 4 | Nationwide | $1,226 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | GEICO | $1,513 |
| 10 | Mercury | $1,533 |
| 11 | Allied | $1,541 |
| 12 | Progressive | $1,558 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,623 |
| 15 | State Farm | $1,750 |
| 16 | Unitrin | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,946 |
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USAA may have some of the lowest car insurance rates in Chula Vista at around $1,121 each year. Wawanesa, CSAA, Nationwide, and Century National also are some of the lowest-priced Chula Vista, CA insurance companies.
In the rate table above, if you are a customer of Nationwide and switched to Wawanesa, you might achieve yearly savings of approximately $69. Customers with Century National might save as much as $69 a year, and 21st Century insureds might reduce rates by $222 a year.
To find the cheapest rates for your vehicle, click here or quote rates from the companies below.
Remember that these estimates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a specific vehicle garaging location after a speeding ticket. So the company that can offer you the best price may not even be in the list above. That helps illustrate why you need to get rate quotes from many companies using your own driver data and vehicle information.
The make and model of vehicle requiring insurance is a significant factor that determines the availability of the most economical insurance after a speeding ticket. Vehicles with limited top-end speed, excellent safety ratings, or a low likelihood of having liability claims will cost significantly less to insure than higher performance models.
The table below features coverage costs for a handful of the most cost-effective vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,243 |
| Ford F-150 STX Super Cab 2WD | $1,245 |
| Toyota Prius | $1,263 |
| Honda CR-V EX 4WD | $1,274 |
| Chevrolet Impala LS | $1,322 |
| Ford Escape Limited 4WD | $1,346 |
| Toyota RAV4 Sport 2WD | $1,348 |
| Toyota Tacoma Double Cab 4WD | $1,356 |
| Toyota Camry LE | $1,348 |
| Dodge Grand Caravan CV | $1,358 |
| Ford Focus SES 4-Dr Sedan | $1,396 |
| Ford Edge Limited 2WD | $1,413 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,423 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,431 |
| Chevrolet Malibu LTZ | $1,447 |
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Table data represents single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in Chula Vista, CA location which can modify insurance rates noticeably.
Looking at the numbers, we can tell that vehicles like the Hyundai Elantra, Ford F-150, Toyota Prius, and Honda CR-V are most likely going to be the cheapest vehicles to insure after a few driving violations.
Get discounts on Chula Vista auto insurance
Auto insurance companies that provide coverage after a speeding ticket may also give you policy discounts that can lower rates by 40% or more if you are eligible for them. A few popular companies and some of the discounts are detailed below.
- State Farm policyholders can earn discounts including good student, multiple policy, Drive Safe & Save, accident-free, and defensive driving training.
- Progressive may offer discounts for continuous coverage, online quote discount, multi-policy, homeowner, online signing, and multi-vehicle.
- Progressive offers discounts for multi-vehicle, online quote discount, online signing, good student, and multi-policy.
- MetLife has savings for multi-policy, defensive driver, good student, accident-free, and claim-free.
- Farm Bureau may include discounts for safe driver, multi-policy, renewal discount, youthful driver, 55 and retired, driver training, and multi-vehicle.
- GEICO offers discounts including air bags, anti-lock brakes, driver training, anti-theft, good student, membership and employees, and emergency military deployment.
- SAFECO offers premium reductions for anti-lock brakes, accident prevention training, anti-theft, multi-car, and teen safety rewards.
The chart below visualizes the comparison of insurance rates with and without discounts. The price estimates are based on a female driver, three citations and no at-fault accidents, California state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple policy, passive restraint, paperless filing, anti-theft, paid-in-full, and continuous coverage discounts applied. When taking advantage of discounts, theaverage yearly reduction on insurance after a speeding ticket is 28% or $1,285.
The example below illustrates how choosing a deductible can change annual premium costs when researching cheap insurance after a speeding ticket. The data is based on a single female driver, comp and collision included, and no discounts are taken into consideration.
The chart above illustrates that a 40-year-old driver could save $350 a year by increasing from a $100 deductible up to a $500 deductible, or save $530 by using a $1,000 deductible. Even younger insureds, such as the Age 20 example, could potentially save as much as $888 or even more by choosing a higher deductible. When increasing deductibles, it’s a good idea to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
A good deal can quickly turn bad
Chula Vista, CA insurance rates are based on many factors which can substantially decrease or increase the cost of your policy. Improving your credit score, filing a claim, or having an at-fault accident may cause policy rate changes resulting in some companies being more affordable than the competition. Not only may your situation change, but auto insurance companies amend premium rates as often as every three months to help ensure profitability. Higher than usual claims may result in rate hikes, while less frequent claims can result in lower-cost Chula Vista car insurance rates.
For example, the chart below shows rates for the cheapest car insurance in Chula Vista, CA for a 45-year-old female driver with no accidents or violations, and a good credit rating. If we estimate prices based on her personal profile, USAA may have the cheapest car insurance rates in Chula Vista at $1,163 each year. This is $488 less than the average premium paid by California drivers of $1,651. CSAA, Wawanesa, Nationwide, and Century National round out the rest of the cheapest Chula Vista, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from the first set of rates a couple of claims, bad credit, and a blemish on her driving record. Due to the fact that every insurance company has their own unique process to determine rates, comparing prices will most likely result in a different list of the cheapest companies as shown below.
Grange now has the best car insurance rate in Chula Vista with Progressive, Mercury, Allstate, and GEICO now rounding out the top five. This demonstrates why it is critical to compare lots of rates to find the most economical auto insurance rates after a speeding ticket. Prices are determined by many things and change substantially, so the cheapest rate two years ago may now cost much more than other companies.