This would be a really short article if we could tell you the one company that has the lowest rates in California. Regrettably, it’s not quite that easy, as there are a whole bunch of unknown aspects like the neighborhood you live in, the number of miles you drive each year, and whether or not you have had gaps between policies, that help determine the price you have to pay. The information below covers some of these criteria and will hopefully give the reader some help in finding cheaper rates.
For drivers with at-fault accidents, one of the big components that are looked at to determine the amount you pay each year for auto insurance is where you keep your vehicle. Cities with more crime and/or more people tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The next table ranks the highest-priced places in California for drivers with accidents to purchase auto insurance in. Chula Vista is ranked #25 with the annual price of $1,298 for car insurance, which is about $108 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,083 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,745 |
| 4 | Sacramento | $1,703 |
| 5 | Oakland | $1,687 |
| 6 | San Bernardino | $1,596 |
| 7 | Santa Clarita | $1,580 |
| 8 | Fontana | $1,566 |
| 9 | Long Beach | $1,562 |
| 10 | Garden Grove | $1,554 |
| 11 | Moreno Valley | $1,551 |
| 12 | Stockton | $1,541 |
| 13 | Riverside | $1,527 |
| 14 | Modesto | $1,487 |
| 15 | Anaheim | $1,474 |
| 16 | Fresno | $1,457 |
| 17 | Santa Ana | $1,453 |
| 18 | San Jose | $1,381 |
| 19 | Huntington Beach | $1,360 |
| 20 | Fremont | $1,348 |
| 21 | Irvine | $1,343 |
| 22 | Bakersfield | $1,340 |
| 23 | San Diego | $1,340 |
| 24 | Oxnard | $1,304 |
| 25 | Chula Vista | $1,298 |
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Information shown are comparative as specific Chula Vista garaging address can affect coverage prices substantially.
The type of vehicle you are insuring is one of the main factors when shopping around for low-priced auto insurance for drivers with accidents. Vehicles with higher performance, poor safety features, or a track record of large liability claims will cost substantially more to insure than safer models. The data below features auto insurance costs for some of the more affordable vehicles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,994 |
| Ford Escape XLT 4WD | $2,024 |
| Toyota Prius | $2,042 |
| Ford F-150 XLT Regular Cab 2WD | $2,088 |
| Honda Accord EX-L 4-Dr Sedan | $2,114 |
| Honda Odyssey LX | $2,178 |
| Ford Explorer XLT AWD | $2,204 |
| Ford Focus S 4-Dr Sedan | $2,213 |
| Chevrolet Equinox LT 2WD | $2,226 |
| Toyota RAV4 2WD | $2,231 |
| Dodge Grand Caravan Crew | $2,250 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $2,256 |
| Chevrolet Malibu LT | $2,250 |
| Ford Edge SEL AWD | $2,302 |
| Nissan Altima 2.5 4-Dr Sedan | $2,328 |
| Toyota Corolla S | $2,342 |
| Toyota Tacoma X-Runner 2WD | $2,350 |
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Prices based on single male driver age 40, no speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in specific location information which can impact coverage rates considerably.
By looking at the data, you can expect makes and models like the Honda CR-V, Ford Escape, Toyota Prius, Ford F-150, and Honda Accord will be a few of the more affordable vehicles to insure for drivers with at-fault accidents. Rates will trend higher because of the fact that there is a higher risk for drivers with accidents, but in general those particular vehicles will tend to have the lowest prices compared to other vehicles.
The diagram below illustrates how choosing a deductible can change insurance rates when quoting cheap insurance for drivers with accidents. The data is based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
A 30-year-old driver could lower their car insurance rates by $568 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $856 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 chart data, have the ability to save $1,674 every year by choosing a larger deductible amount.
If you do raise deductibles, it is a good idea to have enough spare savings to be able to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Get discount Chula Vista car insurance
Insurance companies that offer quotes for drivers with accidents may have premium discounts that could reduce prices by 35% or more if you qualify for them. Popular car insurance companies and a partial list of their discounts are outlined below.
- AAA offers discounts for multi-policy, good driver, education and occupation, anti-theft, AAA membership discount, and multi-car.
- Progressive may have discounts that include multi-policy, multi-vehicle, continuous coverage, online quote discount, and good student.
- State Farm may include discounts for multiple autos, student away at school, good driver, defensive driving training, and anti-theft.
- Esurance may offer discounts for good student, safety device, online shopper, claim free, anti-lock brakes, good driver, and DriveSense.
- Nationwide discounts include anti-theft, accident-free, defensive driving, business or organization, Farm Bureau membership, easy pay, and good student.
The diagram below illustrates the difference between auto insurance rates with and without discounts applied to the policy rates. The data assumes a male driver, two accidents and no citations, California state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, passive restraint, continuous coverage, homeowner, paid-in-full, and anti-theft discounts applied. With discounts applied, theamount saved on car insurance for drivers with accidents is 28% or $1,274.
Impact of citations and accidents on Chula Vista insurance rates
The easiest method to earn affordable car insurance rates in California for drivers with at-fault accidents is to drive attentively and not get tickets or have accidents. The diagram below demonstrates how citations and accidents can impact insurance premiums for different age groups of insureds. The data is based on a single male driver, full coverage, $250 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of car insurance in California per year with a clean driving record and no accidents is $3,147. Receive one speeding ticket and the average cost surges to $3,548, an increase of $400 each year. Then add one accident along with the one speeding ticket and the yearly cost of car insurance for drivers with accidents increases to an average of $4,673. That’s an increase of $1,526, or $127 per month, just for not paying attention while driving!
The agents shown below are willing to help you determine which car insurance policy is best, as some people have coverage questions and would like to have a professional recommendation when shopping for the best coverage for drivers with at-fault accidents. It can be challenging to find the cheapest rates, so agents can add peace of mind knowing your coverage gives you suitable coverage if you have an accident. To find a Chula Vista insurance agent close to you, click the button after the list.
- Mexican Insurance Specialists
249 E St – Chula Vista, CA 91910 – (619) 420-8200 - Robert Osorio Insurance
513 Windy Way – Chula Vista, CA 91914 – (619) 216-0991 - Adriana’s Insurance Services
1090 3rd Ave #5 – Chula Vista, CA 91911 – (619) 591-1540 - Joe Finch – State Farm Insurance Agent
3060 Bonita Rd #101a – Chula Vista, CA 91910 – (619) 569-2220 - Farmers Insurance – Francisco Moreno
2471 Main St #19 – Chula Vista, CA 91911 – (619) 476-1066