Best Auto insurance Rates in Chula Vista, California

On average your neighbors pay $68 a month.

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Compare Auto insurance Quotes in Chula Vista, CA

Halfway between downtown San Diego and the Mexican border, Chula Vista, California is known as the lemon capital of the world. Its name comes from the Spanish for “beautiful view,” and as residents know, the city truly is beautiful, from the marina to the mountains. With such a nice place to call home, Chula Vista residents deserve to pay less for car insurance.

Average Chula Vista Car Insurance Rates

How much is car insurance in Chula Vista, CA? A higher than average frequency of accidents, high crime, and urban driving conditions means average car insurance rates in Chula Vista are higher than both the state and national averages. The average cost of auto insurance in California is $814.82 a year. The national average cost is $866.31.

Prices may vary depending on your driving record and the number of claims filed in your zip code.

California Average Annual Car Insurance Rates
Coverage Rates
Liability $482.18
Collision $374.31
Comprehensive $98.73
Total Cost Per Year $814.82
Price Per Month $67.90

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Chula Vista, California and save up to 40% on your premium.

Last year, 3,759 people used QuoteWizard to compare auto insurance quotes in Chula Vista, CA from different companies, and find the cheapest rates.

Top 10 Vehicles in Chula Vista

These are the most common car makes and models owned by Chula Vista drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Civic EX/LX/DX
  3. Honda Accord EX/LX
  4. Toyota Camry LE/XLE/SE
  5. Ford Mustang
  6. Ford Ranger
  7. Nissan Altima 2.5 S
  8. Ford Focus
  9. Toyota Corolla CE/LE/S
  10. Toyota Prius
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Chula Vista

This is our list of the most common car insurance companies reported by QuoteWizard users living in Chula Vista, CA last year.

Other popular Chula Vista, California car insurance companies: Mercury, Infinity, Nationwide, 21st Century, American Family, Safeco, MetLife, Allied, Country Financial, Hartford, Travelers, and Wawanesa Mutual.

Chula Vista Drivers

According to a recent report published by Allstate Insurance when it comes to safe driving, Chula Vista, CA ranked 106th out of 200 cities. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 8.4 years, much higher than the national average.

Chula Vista drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Several factors that can affect car insurance rates are the weather and road conditions.

Weather

Chula Vista has a Mediterranean climate with long, hot summers and warm winters and very little precipitation. This city only receives an average of 9.64 inches of rainfall a year and nearly all of it occurs between December and March leaving the area very dry for eight months a year.

Road Conditions

According to a recent study by TRIP, 46% of the major roads near Chula Vista are in poor condition. These poorly maintained streets costs drivers $722 a year in extra vehicle operating costs.

Traffic Congestion

According to TomTom's annual traffic index report, the San Diego area which includes Chula Vista, is ranked 14th for traffic congestion in the United States. The average commuter spends an additional 29 minutes per hour stuck in traffic during rush hour commutes and 112 hours a year for peak hour commutes of 30 minutes.

Moving Violations

Moving violations such as speeding tickets, red light infractions, failure to stop, and drunk driving will give you a bad driving record and could require you to buy auto insurance for bad drivers.

Traffic Tickets

The Superior Court of California County of Kern traffic website allows residents to pay traffic tickets, tells drivers how to contest tickets, and provides helpful traffic court information.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Chula Vista DUI insurance.

Traffic Fatalities

Chula Vista experienced nine deaths in motor vehicle crashes in 2013. This works out to a fatality rate of .78 per 100,000 residents. All traffic deaths are a tragic loss, but considering Chula Vista’s estimated population of 267,172 this is a relatively safe city in terms of traffic fatalities.

Vehicle Theft Rates

Chula Vista Police recorded 824 vehicle thefts last year. That's a rate of 3.10 per 1,000 residents.

Legal Minimum Insurance Requirements

Chula Vista, California, drivers must follow the 15/30/5 minimum liability coverage rule. This rule requires drivers to maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The most insurance companies will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total your insurer will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The maximum your insurance company will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to Chula Vista, CA drivers.

  1. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies under one insurance company can save you as much as 15% on your premium
  2. Maintain at least a B grade point average in school to qualify for the good student discount
  3. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  4. Keep your driving record clean and free of tickets and at-fault accidents. You might qualify for a good driving or accident free discount
  5. Take a defensive driving course (Driver's Ed)
  6. Remove comprehensive coverage from your policy
  7. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
  8. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  9. Drive less by living close to work and you might qualify for the low mileage discount
  10. Shop around and compare affordable Chula Vista car insurance quotes

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