Who Has the Cheapest Car Insurance Rates for a Ford F-150 in Chula Vista?

Buying competitive coverage for a Ford F-150 in California is fairly simple, but it relies on a whole bunch of factors such as age of the vehicle, whether you are claim-free, and any driving offenses on your record. Drivers in California will pay around $1,247 per year to insure their F-150, but that price is an approximation calculated using a 40-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.

But there is a good chance that you aren’t exactly 40 years old or even a male, possibly single instead of married, and maybe you want higher deductibles. Even a slight change in rating criteria can result in a large change in the cost of insurance for a Ford F-150.

Different coverage needs are the reason why the best way to find cheap insurance rates for your Ford is to just compare rates yourself.

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The trim level of your F-150 will have an impact the annual cost of coverage, so the price you pay to insure a F-150 XL Regular Cab 2WD model will be $326 less expensive the insurance cost for the higher-priced F-150 Lariat Crew Cab Platinum 4WD model, as shown in the chart below.

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate quotes do not factor in vehicle location which can affect insurance rates considerably.

Choosing a highly-rated insurance provider is hard considering how many companies sell insurance in Chula Vista. The ranking information listed below may help you analyze which auto insurance companies to look at purchasing a policy from. The rankings below are only comprised of the largest companies in the United States, so smaller companies are not included in the list.

Top 10 Major Auto Insurance Companies in Chula Vista Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA of Southern California – 92%
4. AAA Insurance – 91%
5. Nationwide – 90%
6. State Farm – 90%
7. The Hartford – 89%
8. GEICO – 89%
9. The General – 88%
10. 21st Century – 88%

Top 10 Major Auto Insurance Companies in Chula Vista Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide

Impact of violations and accidents on rates in Chula Vista

The recommended way to get affordable insurance prices for a F-150 pickup is to pay attention while driving and have a clean driving record. The information below illustrates how violations and at-fault accidents influence insurance rates for each different age category. The prices are based on a single female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

In the prior example, the average cost of auto insurance in California per year with no violations or accidents is $2,883. Add in one speeding ticket and the average cost increases to $3,266, an increase of $382 each year. Now get one accident along with the one speeding ticket and the yearly cost of insurance for a Ford F-150 goes up to an average of $4,342. That’s an increase of $1,459, or $122 per month, just for being a less-than-perfect driver!

Why you should be shopping around

Chula Vista, CA insurance rates are impacted by many factors which can significantly increase or decrease the cost of a policy. Improving your credit score, getting divorced, or getting a driving violation can trigger rate changes resulting in some rates now being affordable when they were higher priced. Additionally, car insurance companies change the rates they charge in California every year or even multiple times each year as an adjustment for underwriting gains or losses. Heavier than normal losses can result in increased policy costs, while a better claims history can result in cheaper F-150 insurance rates.

For example, the bar chart below shows the company with the cheapest car insurance in Chula Vista, CA for a 45-year-old female driver with no accidents, a clean driving record, and a high credit rating. Based on her current risk profile, USAA might offer the cheapest car insurance rates in Chula Vista at $1,152 each year. This is $499 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National round out the rest of the most affordable Chula Vista, CA auto insurance companies.

Now let’s give the driver from the first example a chargeable accident, bad credit, and an imperfect driving record. Since every car insurance company has their own guidelines to establish rates, analyzing rates will most likely result in a slightly different list of cheap Chula Vista auto insurance companies as shown below.

Grange now has the lowest car insurance rate in Chula Vista with Progressive, Allstate, Mercury, and GEICO now rounding out the top five. This shows why consumers need to do a thorough rate comparison when trying to get the most affordable car insurance rates for a Ford F-150.

Auto insurance prices are made up of many different factors and can change substantially, so the best price when you bought your policy may now be priced much higher than other options.