For safe drivers, one of the big things that determine the price you pay for insurance is where you choose to live in Chula Vista. Areas with more people or higher crime rates will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.
The information below lists the highest-priced areas in California for good drivers to purchase car insurance in. Chula Vista comes in at #25 with the yearly price of $1,311 for coverage, which is about $109 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,104 |
| 3 | Oakland | $1,738 |
| 4 | Sacramento | $1,703 |
| 5 | San Francisco | $1,693 |
| 6 | Stockton | $1,588 |
| 7 | San Bernardino | $1,580 |
| 8 | Santa Clarita | $1,580 |
| 9 | Garden Grove | $1,570 |
| 10 | Long Beach | $1,562 |
| 11 | Modesto | $1,547 |
| 12 | Moreno Valley | $1,536 |
| 13 | Fontana | $1,535 |
| 14 | Riverside | $1,527 |
| 15 | Fresno | $1,517 |
| 16 | Santa Ana | $1,497 |
| 17 | San Jose | $1,437 |
| 18 | Anaheim | $1,430 |
| 19 | Fremont | $1,403 |
| 20 | Huntington Beach | $1,402 |
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Price information shown is estimated as the specific garaging location can change auto insurance rates considerably.
Deciding which company offers the most affordable auto insurance rates for good drivers may require a tad more effort in order to find the best policy. Every insurance provider has their own process to set their prices, so we’ll go over the overall cheapest auto insurance companies in Chula Vista.
Keep in mind that Chula Vista auto insurance rates are impacted by many factors that will increase or decrease the price you have to pay. Simply turning a year older, having a claim, or getting a ticket for running a stop sign can produce rate changes that can now make some companies cheaper than before.
Best Car Insurance Prices for Good Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Century National | $1,190 |
| 3 | Wawanesa | $1,192 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,433 |
| 8 | Progressive | $1,496 |
| 9 | Allstate | $1,497 |
| 10 | Mercury | $1,533 |
| 11 | Allied | $1,556 |
| 12 | GEICO | $1,559 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,946 |
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USAA generally has some of the most affordable car insurance rates in Chula Vista at around $1,143 each year. Century National, Wawanesa, CSAA, and Nationwide also rank well as some of the cheapest Chula Vista, CA auto insurance companies.
As illustrated above, if you have coverage with CSAA and switched to Century National, you could earn a yearly price reduction of about $32. Customers with Nationwide may save as much as $73 a year, and 21st Century insureds might see rate reductions of $189 a year.
To see if your current coverage is too expensive, click here to begin a quote or feel free to get quotes from the companies below.
It’s important to note that these rates are averaged across all types of insureds and vehicles and are not factoring in a specific vehicle garaging location for good drivers. So the auto insurance company that can offer you the best rate may not even be in the list above. That underscores the importance of why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.
Discounts on Chula Vista insurance
Insurers that provide coverage for good drivers may additionally offer rate discounts that could potentially reduce rates by 40% or more if you are eligible to receive them. A list of auto insurance companies and some of the discounts include:
- GEICO may have discounts that include membership and employees, multi-policy, anti-theft, federal employee, emergency military deployment, and air bags.
- MetLife discounts include good student, multi-policy, good driver, accident-free, claim-free, and defensive driver.
- State Farm policyholders can earn discounts including student away at school, safe vehicle, good student, anti-theft, accident-free, and driver’s education.
- Progressive has discounts for good student, homeowner, continuous coverage, multi-vehicle, and online signing.
- Mercury Insurance may include discounts for age of vehicle, ease of repair, annual mileage, low natural disaster claims, and anti-theft.
- 21st Century offers premium reductions for 55 and older, early bird, good student, driver training, and homeowners.
- Allstate has savings for safe driver, teenSMART discount, economy car, eSmart discount, and resident student.
The chart below shows the difference between insurance costs with and without discounts applied to the premium. The price estimates are based on a male driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, homeowner, claim-free, safe-driver, anti-theft, and multiple vehicle discounts applied. When taking advantage of discounts, theaverage amount saved on auto insurance for good drivers is 28% or $630.
Impact of citations and accidents on insurance rates
In a perfect world, the best way to receive low auto insurance prices in California for safe drivers is to drive carefully and not get tickets or have accidents. The example below shows how speeding tickets and fender-benders can raise insurance costs for each different age category. The price estimates are based on a married male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
In the example above, the average cost of a car insurance policy in Chula Vista per year with a clean driving record and no accidents is $1,768. Factor in two speeding tickets and the average cost jumps to $2,437, an increase of $669 each year. Now throw in one accident along with the two speeding tickets and the annual cost of auto insurance for good drivers jumps again to an average of $3,106. That’s an increase of $1,338, or $112 per month, just for not maintaining a clean driving record!
Finding the top insurer can be a challenge considering how many different companies sell coverage in Chula Vista. The company rank data listed below can help you select which auto insurers you want to consider purchasing from.
The ratings below include the largest auto insurers in America, so companies that focus mainly on California business are not factored into these rankings. To check prices from these and other competitive companies, follow this link.
| 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 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
The insurance agents in Chula Vista listed below can answer your questions and help you decide which coverage meets your needs best, since lots of people like to have a little guidance when comparing insurance rates for safe drivers. It’s not always easy to find the cheapest auto insurance company, and getting advice from a licensed California insurance agent can provide you satisfaction knowing your coverage gives you sufficient protection if you have a claim.
To find an agent near you, click the button after the list or click here to get price quotes now.
Farmers Insurance: Julie Garcia
2060 Otay Lakes Rd Ste 240 – Chula Vista, CA 91915 – (619) 401-1104
Adriana’s Insurance Services
1090 3rd Ave #5 – Chula Vista, CA 91911 – (619) 591-1540
Brian Konishi – Allstate Insurance Agent
786 Third Ave – Chula Vista, CA 91910 – (619) 426-6580
California Brokerage Insurance
355 K St – Chula Vista, CA 91911 – (619) 420-8888
More insurance agents in Chula Vista, CA
How to find economical insurance for good drivers
The list below summarizes some of the recommended thrifty solutions that can help you find cheap coverage.
- Higher credit ratings may save you money
- Pay less by remaining claim-free
- Having at-fault accidents will increase rates
- Ensure your driving record is clean
- Buy vehicles with five-star safety ratings
- Compare rate quotes frequently
The last idea is remarkably crucial, as we hit on in this article. Rates go up and down frequently, so don’t hesitate to change insurance companies if a better rate can be found.
We understand brand loyalty, but it’s not recommended if that devotion results in you overpaying money that could be going to better use. It takes less than five minutes to shop around and find cheaper auto insurance for good drivers in Chula Vista.