Cheap Quotes for Chula Vista, CA Car Insurance (2021)

Chula Vista, California car insurance rates average $283 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple Chula Vista, CA companies, you can find cheap Chula Vista car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Chula Vista, CA after a DUI are $4,782/year
  • Chula Vista has an average commute time of 30.0 minutes
  • Average car insurance rates in Chula Vista, CA for senior drivers are $2,036/year

How do the Chula Vista, California monthly average car insurance rates of $283/month compare to nearby cities like San Jose car insurance rates, Fresno car insurance rates, and Bakersfield car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Chula Vista, CA.

We’ll cover the California minimum coverage requirements, California car insurance laws, and Chula Vista, CA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Chula Vista, California companies to find the most affordable Chula Vista car insurance rates.

Enter your ZIP code above to find cheap Chula Vista, CA car insurance quotes today.

What are the minimum Chula Vista, CA car insurance requirements?

To meet California minimum car insurance coverage requirements, Chula Vista, CA drivers need to carry at least 15/30/5 coverage.

Minimum Required Car Insurance Coverage in Chula Vista, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Average Chula Vista, CA Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Chula Vista, CA you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Chula Vista, California

ZIP Code Average Annual Rates
91902 $4,684
91910 $4,663
91911 $4,779
91913 $4,585
91914 $4,557
91915 $4,549

How do age, gender, and marital status affect Chula Vista, CA car insurance rates?

Three of the criteria that most affect car insurance rates in Chula Vista, California are age, gender, and marital status. Let’s take a look at how each of these stack up with top Chula Vista car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Chula Vista, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,855 $2,900 $2,047 $2,109 $7,517 $9,550 $3,765 $4,287
Farmers $2,461 $2,461 $2,216 $2,216 $7,828 $12,819 $2,913 $3,241
GEICO $1,467 $1,468 $1,380 $1,380 $4,466 $4,539 $2,107 $2,152
Liberty Mutual $2,079 $1,968 $1,926 $1,867 $4,475 $4,770 $2,341 $2,364
Nationwide $3,053 $2,919 $2,667 $2,518 $7,692 $8,502 $3,642 $3,603
Progressive $1,599 $1,644 $1,355 $1,607 $4,205 $5,069 $2,297 $2,467
State Farm $3,102 $3,102 $2,770 $2,770 $5,684 $7,060 $3,430 $3,536
Travelers $2,348 $2,279 $2,068 $2,047 $4,777 $5,453 $3,030 $2,980
USAA $1,891 $1,794 $1,845 $1,856 $4,264 $4,295 $2,617 $2,476

How much do teen drivers pay for car insurance in Chula Vista, CA?

Chula Vista, California car insurance rates for teens are often higher than rates for other drivers. Compare Chula Vista car insurance rates from multiple Chula Vista, California car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Chula Vista, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,517 $9,550
Farmers $7,828 $12,819
GEICO $4,466 $4,539
Liberty Mutual $4,475 $4,770
Nationwide $7,692 $8,502
Progressive $4,205 $5,069
State Farm $5,684 $7,060
Travelers $4,777 $5,453
USAA $4,264 $4,295

How much do senior drivers pay for car insurance in Chula Vista, CA?

With a little research, seniors can find affordable car insurance in Chula Vista, California. Here’s a look at how the top Chula Vista car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Chula Vista, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,047 $2,109
Farmers $2,216 $2,216
GEICO $1,380 $1,380
Liberty Mutual $1,926 $1,867
Nationwide $2,667 $2,518
Progressive $1,355 $1,607
State Farm $2,770 $2,770
Travelers $2,068 $2,047
USAA $1,845 $1,856

How does coverage level affect Chula Vista, CA car insurance rates?

How much coverage do you need? Are you comfortable with the California minimum of 15/30/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Chula Vista, CA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Chula Vista, California

Insurance Company Low Medium High
Allstate $4,199 $4,409 $4,528
Farmers $4,206 $4,554 $4,798
GEICO $2,151 $2,397 $2,562
Liberty Mutual $2,537 $2,747 $2,888
Nationwide $3,887 $4,399 $4,688
Progressive $2,279 $2,604 $2,708
State Farm $3,548 $3,996 $4,252
Travelers $2,732 $3,205 $3,432
USAA $2,398 $2,679 $2,813

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How does your driving record affect Chula Vista, CA car insurance rates?

Safe driving pays off. The more traffic violations you have in Chula Vista, CA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Chula Vista, California companies.

Annual Chula Vista, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,612 $4,470 $6,982 $3,451
Farmers $3,344 $4,550 $5,666 $4,517
GEICO $1,657 $2,560 $3,208 $2,055
Liberty Mutual $2,363 $3,168 $2,859 $2,505
Nationwide $3,018 $3,869 $6,543 $3,869
Progressive $1,661 $2,812 $3,258 $2,391
State Farm $2,803 $3,345 $6,325 $3,255
Travelers $2,101 $3,385 $3,941 $3,066
USAA $1,748 $2,598 $4,259 $1,915

How does a DUI affect Chula Vista, CA car insurance rates?

With even one DUI on your record, you can see an increase in your Chula Vista, CA car insurance rates.

Annual Car Insurance Rates After a DUI in Chula Vista, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,982
Farmers $5,666
GEICO $3,208
Liberty Mutual $2,859
Nationwide $6,543
Progressive $3,258
State Farm $6,325
Travelers $3,941
USAA $4,259

How does your commute affect Chula Vista, CA car insurance rates?

Chula Vista, CA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for California can be seen here. Remember, though, that you may have to carry substantially more car insurance in Chula Vista if you’re financing.

Annual Car Insurance Rates by Commute Length in Chula Vista, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,946 $4,812
Farmers $4,100 $4,938
GEICO $2,153 $2,587
Liberty Mutual $2,501 $2,947
Nationwide $3,823 $4,826
Progressive $2,297 $2,764
State Farm $3,788 $4,076
Travelers $2,812 $3,434
USAA $2,425 $2,835

Who has the cheapest Chula Vista, CA car insurance rates?

Here’s a breakdown of Chula Vista, California car insurance rates by company. You can see which company offers the cheapest Chula Vista car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Chula Vista, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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What are the top Chula Vista, CA car insurance companies?

Which Chula Vista, California car insurance company will best fit your needs and budget? Check out this comparison of the top Chula Vista companies to find the one for you.

Average Annual Car Insurance Rates by Company in Chula Vista, California

Insurance Company Average Annual Rates
Allstate $4,379
Farmers $4,519
GEICO $2,370
Liberty Mutual $2,724
Nationwide $4,325
Progressive $2,530
State Farm $3,932
Travelers $3,123
USAA $2,630

What factors affect Chula Vista, CA car insurance rates?

Why are Chula Vista, California car insurance rates different than rates in San Jose or Fresno? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Chula Vista, CA?

FBI statistics show that the Chula Vista, California car theft rate is 688 thefts each year. High theft rates can lead to higher than average Chula Vista, CA car insurance rates.

How long is the average commute in Chula Vista, CA?

More time spent behind the wheel can lead to higher Chula Vista, California car insurance rates. In Chula Vista, CA, the average commute length is 30.0 minutes.

Car Insurance Quotes for Chula Vista, CA

Shop for affordable Chula Vista, California car insurance rates today. Enter your ZIP code to compare quotes from multiple Chula Vista, CA car insurance companies.

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