I’m sure you’ve seen the captivating commercials from auto insurance companies like Farmers and GEICO that claim enormous savings, so you should just pick one at random, right?
It’s just not that easy, however, as there are a ton of unknown elements such as how much you actually drive in a year, what deductibles you want to use, and whether you want full coverage, that all have an effect on the price of a policy. We will touch on the best ways to compare rates and educate you enough to have a good beginning to your quest for cheaper car insurance.
The car, truck, or SUV driven is one of the largest considerations that determines if you can find the lowest-priced car insurance for felons. Vehicles with high performance, a lack of advanced safety features, or a track record of large liability claims will cost significantly more to insure than safer models. The data below estimates car insurance rates for a handful of the most affordable vehicles to insure in California.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $863 |
| Honda CR-V EX 4WD | $946 |
| Honda Accord EX 4-Dr Sedan | $952 |
| Volkswagen Jetta 2.0T Station Wagon | $990 |
| Toyota Tacoma Double Cab 4WD | $1,002 |
| GMC Sierra SLE Crew Cab 2WD | $1,011 |
| Ford Explorer Eddie Bauer 4WD | $1,021 |
| Chevrolet Malibu LT | $1,026 |
| Dodge Grand Caravan CV | $1,033 |
| Ford F-150 STX Super Cab 4WD | $1,054 |
| Toyota Corolla XLE | $1,056 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,061 |
| Toyota Prius | $1,056 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $1,075 |
| Dodge Ram Quad Cab SLT 4WD | $1,089 |
| Find Cheaper Rates Go | |
Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in specific Chula Vista, CA garaging location which can increase or decrease insurance rates considerably.
By looking at the data, we can assume that makes and models like the Ford Escape, Honda CR-V, Honda Accord, and Volkswagen Jetta are going to be some of the less-costly vehicles to insure for felons.
Establishing which company offers the best auto insurance rates for felons may require a little more work in order to find coverage that fits your budget.
Each company has a unique formula to determine premium rates, so we’ll go over the lowest cost auto insurance companies in California.
Find the Cheapest Car Insurance for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Century National | $1,190 |
| 3 | Wawanesa | $1,192 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,433 |
| 8 | GEICO | $1,513 |
| 9 | Mercury | $1,533 |
| 10 | Allstate | $1,543 |
| 11 | Progressive | $1,558 |
| 12 | Allied | $1,603 |
| 13 | The Hartford | $1,639 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,699 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,705 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $1,946 |
| Compare Rates Now Go | ||
USAA offers some of the cheapest car insurance rates in Chula Vista at around $1,155 each year. Century National, Wawanesa, CSAA, and Nationwide would also be considered some of the lowest-priced Chula Vista, CA insurance companies.
As shown in the rates above, if you currently have a policy with Nationwide and switched to Century National, you could earn a yearly price reduction of about $60. Policyholders with 21st Century could save as much as $135 a year, and Grange insureds might reduce rates by $243 a year.
To see if your current coverage is too expensive, click here to start your free quote or feel free to get quotes from the companies below.
Bear in mind that those premium estimates are averages across all insureds and vehicles and are not factoring in an exact zip code location for felons. So the insurer that fits you best may not even be in the list above. That helps illustrate why you need to compare prices as often as possible using your own individual information.
Discounts on Chula Vista car insurance
Car insurance companies that offer quotes for felons could also offer special discounts that can lower rates by 40% or more if you are eligible to receive them. Popular auto insurance companies and the discounts they provide can be read below.
- The Hartford policyholders can earn discounts including defensive driver, air bag, good student, anti-theft, and vehicle fuel type.
- American Family offers premium reductions for multi-vehicle, mySafetyValet, TimeAway discount, bundled insurance, and good driver.
- Progressive includes discounts for multi-vehicle, online quote discount, online signing, continuous coverage, and homeowner.
- Travelers may have discounts that include multi-policy, save driver, good student, continuous insurance, student away at school, IntelliDrive, and multi-car.
- Farmers Insurance has savings for youthful driver, mature driver, electronic funds transfer, multi-car, and early shopping.
- USAA discounts include vehicle storage, good student, safe driver, annual mileage, and defensive driver.
- Liberty Mutual offers discounts including new move discount, newly married, good student, safety features, and preferred payment discount.
The chart below illustrates the comparison of auto insurance costs with and without discounts applied to the policy rates. The price estimates are based on a female driver, no claims or driving citations, California state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, safe-driver, multiple policy, claim-free, vehicle safety, and passive restraint discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on auto insurance for felons is 28% or $493.
Buying coverage from a good quality car insurance company is hard considering how many companies are available to choose from in California. The company information in the lists below may help you pick which companies to look at when insurance shopping for felons.
These ratings include the largest companies in the United States, so companies without a large exposure are not included in this list. To check prices and find cheaper insurance for felons, 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The Chula Vista car insurance agencies listed below can probably help you determine which insurance coverage will be best for you, as some people prefer to have a little guidance when trying to find the best insurance rates for felons. It can be complicated to find the best rates on your own, so getting professional guidance from a licensed agent can add comfort knowing your coverage gives you enough protection. To find a Chula Vista insurance agency by location nearest to you, click the link at the bottom or click here to compare prices now.
- American Tri-Star Insurance Services
401 H St #10 – Chula Vista, CA 91910 – (619) 827-0522 - Allstate Insurance: Alfredo Contreras
2318 Proctor Valley Rd #102 – Chula Vista, CA 91914 – (619) 505-2040 - Farmers Insurance – Melissa Talbot
885 Canarios Ct #104 – Chula Vista, CA 91910 – (619) 781-8716
View map of Chula Vista, CA insurance agents
Ideas for finding economical insurance for felons
The list below shows some of the better penny-pinching suggestions that can help you quote more affordable car insurance.
- Buy a safer vehicle
- Accidents can significantly increase rates
- Good credit can save money
- Keep your driving record clean
- Avoid filing excessive claims
- Comparison shop frequently
That final tip is remarkably significant, as we discussed in this write-up. Coverage rates vary greatly, so don’t be tentative to buy from a different company if a more affordable rate is found.
Being loyal to a particular company is commendable, but it’s not recommended if that stubbornness costs you money that could be used for better things. It only take a few minutes to compare rates and find cheaper car insurance for felons in Chula Vista.