One of the many factors that help determine the annual cost of car insurance is where you keep your vehicle. Areas with high crime rates or more dense population will most likely pay more, whereas areas with less crime or weather claims benefit from having to pay less for coverage.
The next table rates the highest-priced places in California for high risk drivers to buy car insurance in. Chula Vista ranks #25 costing $1,298 for the average policy, which is around $108 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,104 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,693 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,596 |
| 7 | Stockton | $1,588 |
| 8 | Fontana | $1,581 |
| 9 | Garden Grove | $1,570 |
| 10 | Long Beach | $1,562 |
| 11 | Modesto | $1,547 |
| 12 | Santa Clarita | $1,533 |
| 13 | Fresno | $1,502 |
| 14 | Santa Ana | $1,497 |
| 15 | Moreno Valley | $1,491 |
| 16 | Riverside | $1,482 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,395 |
| 19 | Bakersfield | $1,381 |
| 20 | Irvine | $1,371 |
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Rate quotes are approximated as the specific Chula Vista residence address can alter coverage prices greatly.
Comparing rates for reasonably-priced auto insurance is not always easy, and figuring out which companies offer the cheapest insurance rates for high risk drivers will take a bit more work. Each auto insurer uses slightly different criteria to set their prices, so to begin we’ll rank the insurance companies with the overall best prices in Chula Vista.
It’s important to know that Chula Vista, CA insurance rates are influenced by many factors which can significantly increase or decrease the cost of having a policy. Improving your financial situation, filing a claim, or getting a reckless driving citation can trigger rate changes resulting in some rates now being higher-priced than before.
Find the Cheapest Auto Insurance for Risky Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,181 |
| 4 | Nationwide | $1,213 |
| 5 | CSAA | $1,222 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,433 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,513 |
| 10 | GEICO | $1,513 |
| 11 | Progressive | $1,542 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,638 |
| 15 | Esurance | $1,705 |
| 16 | State Farm | $1,733 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,966 |
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USAA normally has some of the most affordable car insurance rates in Chula Vista at around $1,155 annually. This is $496 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA also qualify as some of the cheapest Chula Vista, CA car insurance companies.
As shown in the table above, if you currently buy coverage from Nationwide and switched to Century National, you might see a yearly price reduction of roughly $35. Insureds with CSAA might save as much as $44 a year, and 21st Century insureds might lower prices by $188 a year.
Remember that these policy prices are averages across all types of insureds and vehicles and do not take into consideration an exact zip code location for high risk drivers. So the auto insurance company that has the cheapest rates for you may not even be in the top 24 companies in the list above. That points out the importance of why you need to compare prices as often as possible using your own specific driver and vehicle information.
Which insurance company is best in California?
Picking a good quality auto insurance provider is hard considering how many different companies there are to choose from in Chula Vista. The company rank data below can help you select which providers you want to consider when trying to find cheaper insurance for high risk drivers. The rankings below are only comprised of companies that insure vehicles across America, so companies that focus mainly on California business are not taken into consideration for this 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
The information below shows how different deductible levels can affect insurance rates when quoting cheap insurance for high risk drivers. The costs are based on a married male driver, full coverage, and no discounts are factored in.
In the chart above, a 50-year-old driver could lower their policy premium by $308 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $466 by choosing a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could potentially save up to $1,026 each year just by choosing larger deductibles. If you do decide to increase your deductibles, it is essential to have additional savings on hand to allow you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Types of discounts on Chula Vista car insurance
Auto insurance companies that provide coverage for high risk drivers could also offer special discounts that can lower rates by as much as 40% or more if you meet certain criteria. Companies and their possible discounts are:
- GEICO policyholders can earn discounts including good student, daytime running lights, five-year accident-free, anti-lock brakes, emergency military deployment, and federal employee.
- MetLife has savings for multi-policy, good driver, defensive driver, claim-free, accident-free, good student
- State Farm offers premium reductions for passive restraint, anti-theft, Steer Clear safe driver discount, multiple autos, driver’s education, and safe vehicle.
- Progressive offers discounts including multi-vehicle, online signing, continuous coverage, good student, and online quote discount.
- Mercury Insurance offers discounts for accident-free, professional/association, annual mileage, type of vehicle, anti-theft, multi-car, and ease of repair.
- 21st Century may have discounts that include student driver, theft prevention, early bird, good student, air bags, homeowners, and anti-lock brakes.
- Allstate discounts include defensive driver, senior citizen, good student, new car, early signing, utility vehicle, and auto/life discount.
The chart below illustrates the comparison of insurance costs with and without discounts applied. The rates are based on a male driver, three violations and one at-fault accident, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with paid-in-full, multiple policy, continuous coverage, passive restraint, homeowner, and paperless filing discounts applied. When discounts are factored in, theamount saved on insurance for high risk drivers is 28% or $936.