Cheapest Auto Insurance in Chula Vista, California (2025)
USAA offers the cheapest car insurance in Chula Vista, with minimum-coverage policies as low as $69 per month.
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Drivers in Chula Vista, CA, pay an overall average of $133 per month for car insurance, which is cheaper than the California state average of $150. Chula Vista is a spacious suburb of San Diego, with more than 50 square miles of diverse ecology — which means residents don’t have to deal with road congestion that can drive up local car insurance rates.
Chula Vista’s car insurance rates are also lower than the national average rate of $143. Learn how comparing car insurance rates can help Chula Vista drivers find the right policy at an affordable price.
Best and cheapest car insurance companies in Chula Vista
The best coverage for you depends on your budget and specific needs. Several factors affect your car insurance rates, including your age, gender, marital status, driving record, and vehicle.
The table below highlights three of the best and most affordable car insurance companies in Chula Vista and which type of driver is best suited for each. The average rates shown are the insurer’s averages for California drivers.
Best insurer for Cheap rates: Sun Coast
Best insurer for low-mileage drivers: Mile Auto
Best insurer for drivers with an accident: Mercury
How to get the cheapest car insurance in Chula Vista
Car insurance rates vary based on a number of factors, and many of them are in your control. The strategies below can help you find the best price:
Choose a safe car. Purchasing a car with a strong safety record and modern safety features can qualify you for discounts.
Raise your deductible. A higher deductible generally comes with lower monthly premiums, though you could be on the hook for more out-of-pocket costs if you get in an accident.
Find discounts. When you enroll with your insurer, it’s a good idea to reach out to your insurance agent and see which discounts you qualify for. Many companies offer discounts to customers who bundle car insurance with home insurance or renters insurance.
Shop around and compare. The best way to find lower rates is to receive online quotes from at least three different companies and compare them side by side.
Cheapest liability-only car insurance in Chula Vista: USAA
If you cause an accident, liability insurance can pay for the other driver’s repairs and medical expenses. But it won’t pay for your own vehicle’s repairs and your own medical bills.
The cheapest insurer for liability-only car insurance in Chula Vista is USAA, at $69 per month. The table below shows the cheapest liability-only car insurance companies in Chula Vista and their corresponding quotes.
Cheapest full-coverage car insurance in Chula Vista: Anchor
Full-coverage car insurance includes liability insurance, collision coverage, and comprehensive coverage. Collision coverage can pay for repairs to your own vehicle after an accident with another vehicle or if you hit an object like a telephone pole or wall. Comprehensive coverage can pay for damage to your car from non-collision events, such as severe weather, vandalism, or theft.
The cheapest insurer for full-coverage car insurance in Chula Vista is Anchor, with quotes starting at $151 per month. The table below shows the cheapest full-coverage car insurance companies in Chula Vista and their corresponding quotes.
Car insurance requirements in California
California requires all drivers to carry liability insurance that meets the following minimums. California is an at-fault state, which means that the insurer of the driver who caused an accident is generally responsible for all repair costs, medical bills, and property damage costs.
State lawmakers approved an increase in coverage limits, which will take effect Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all drivers need to carry:
Drivers looking for additional auto insurance coverage can purchase the following optional coverages:
Cheapest car insurance for drivers with an incident
Speeding tickets, driving under the influence, and at-fault accidents can all cause insurance premiums to increase. DUI convictions and speeding tickets signal to insurers that you engage in risky driving habits. And insurers consider a driver with previous at-fault claims to be more likely to file future claims. Companies charge higher premiums to offset these risks.
Collisions and minor traffic violations stay on your record for three years in California, while more serious incidents, like DUIs, will stay on your record for up to 10 years. If you live in Chula Vista and have any of these, you should expect higher rates for as long as these violations stay on your record.
Cheapest car insurance for drivers with a speeding ticket: USAA
California has a “Basic Speed Law,” which prohibits drivers from driving on a highway at a speed “greater than is reasonable or prudent” (usually 65 mph). Speeding is risky behavior, so insurers will often raise your rates if you receive a speeding ticket.
A speeding ticket pushes the average monthly cost of car insurance to $223 for full coverage and $98 for liability-only policies in Chula Vista. The table below shows the cheapest car insurance companies in Chula Vista for drivers with a speeding ticket on their records.
Cheapest car insurance for drivers with an at-fault accident: USAA
An at-fault accident stays on your record for three years in California. How much your rates increase varies based on the severity of the accident and the company you work with. Getting in multiple at-fault accidents could lead to a non-renewal from your insurer.
On average, Chula Vista drivers who have an at-fault accident see monthly rates of $213 for full coverage and $94 for liability-only policies. The table below shows the cheapest car insurance quotes for drivers with a car accident on their driving record.
Cheapest car insurance for drivers with a DUI: USAA
A DUI is the most serious traffic violation you can receive and will stay on your record in California for up to 10 years. The conviction comes with a fine of up to $1,000 and a six-month license suspension.
The average cost of car insurance for Chula Vista drivers with DUI convictions is $296 per month for full coverage and $130 for liability. The table below shows the cheapest car insurance companies in Chula Vista for drivers with a DUI on their driving record.
Cheapest car insurance for seniors: USAA
Age plays a large role in determining your car insurance rates. Rates decrease around the age of 25, then begin to rise again at around 70. For the 12% of Chula Vista residents who are older than 65, it might be a good idea to look for a company with low-mileage discounts, as older drivers usually don’t have daily commutes.
The average cost of car insurance for senior drivers in Chula Vista is $164 per month for full coverage and $72 monthly for liability only. The table below shows the cheapest car insurance quotes for senior drivers in Chula Vista.
Cheapest car insurance for teens: USAA
Teens pay more for car insurance on average due to their lack of experience, which puts them at greater risk behind the wheel. Teen drivers are three times as likely to get in a serious crash as drivers 20 and older, according to the Centers for Disease Control and Prevention (CDC). Insurers respond to these risks by offering teens higher monthly premiums.
Young adults can lower their rates by choosing a safe car, earning a good student discount, or staying on their parents’ insurance policy. In Chula Vista, car insurance for teen drivers averages $352 per month for full coverage and $155 for minimum coverage. The table below shows the cheapest insurance options for teen drivers.
Is car insurance more expensive in Chula Vista?
Drivers in Chula Vista pay car insurance prices that are cheaper than the national average. Within California, rates vary by location based on several factors, such as local vehicle crime rates, local car repair costs, local property values, and frequency of insurance-related litigation.
For example, Buffalo, New York, has roughly the same population as Chula Vista but has more expensive average full-coverage rates — $240. And similarly sized Orlando has rates that are much higher than Chula Vista’s, averaging $230 a month for full coverage.
More cities in California
Chula Vista’s average car insurance rates are cheaper than the California state average. Drivers in Los Angeles and Oakland pay more on average for full coverage compared to Chula Vista drivers. The table below shows average monthly quotes in other California cities.
Chula Vista car insurance FAQs
A stone’s throw from the U.S.-Mexico border, Chula Vista is nestled on the edge of San Diego Bay. Though its residents pay less for car insurance than other cities in California, it’s still a good idea to compare car insurance rates and learn all you can about vehicle insurance. Here are answers to some commonly asked questions to help you get started.
How much is car insurance in Chula Vista?
The overall average monthly cost of car insurance in Chula Vista is $133. That breaks down to a full-coverage average of $184 and $81 for liability-only coverage.
Who has the cheapest car insurance in Chula Vista?
USAA has the cheapest car insurance rates in Chula Vista, starting at $69 for liability coverage. Chula Vista drivers can also find cheap rates with National General and Sun Coast. National General has liability-only rates that start at $77, while Sun Coast’s cheapest rate is $84 per month.
What are the best car insurance companies in Chula Vista?
While they may not necessarily have the lowest rates for all drivers, Clearcover, Mile Auto, and Mercury are among the best insurers with low rates in Chula Vista.
In addition to consistently low rates for liability-only coverage, Clearcover’s mobile app makes it easy to file claims and pay bills for busy Chula Vista drivers. Mile Auto’s pay-per-mile insurance model could add up to savings for Chula Vistans who don’t drive much, whether they’re seniors, teens, or stay-at-home workers. Mercury has an above-average customer satisfaction rating from J.D. Power and an A from AM Best for financial strength.
How much is car insurance per month in California?
California’s average rate for full-coverage car insurance is $206 per month. Liability-only coverage averages $94 per month in the Golden State.
Is California a no-fault state?
A dozen states have no-fault insurance laws, but California isn’t one of them. If you cause an accident in California, financial responsibility for damages and injuries — both yours and the other driver’s — falls to you and your insurance company.
Can insurers consider your credit when setting rates in California?
California law bans insurance companies from using your credit information to help determine your car insurance rate. They also can’t use your gender or ZIP code as rating factors.
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