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Car Insurance Quotes in Chula Vista, CA (Jul, 2024)

Drivers in Chula Vista, CA, pay approximately 14% more than the state average for car insurance—but smart shopping can help you save on costs.
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
With several mountainscapes, rolling hills, and numerous hiking trails, Chula Vista,
California
is a dream for nature enthusiasts.1 But despite Chula Vista’s rich environment, a vehicle is still an essential part of daily life. 
In a recent SmartAsset report, 11.4% of drivers in Chula Vista reported a daily commute of over an hour, compared to the average of 30-34 minutes in 2021. 2 3 4 And data from the last year shows that accidents involving motor vehicles peak at 8am and 6pm. 
If you're navigating the morning and evening commute in Chula Vista, a robust
car insurance
policy is a must. 
The good news: While the average cost of the state minimum auto insurance in California is around $559 per year, Chula Vista drivers pay only $447 annually. Similarly, a full coverage insurance policy in Chula Vista is generally $1,410 per year, which is 14% cheaper than the state average.
To get a better sense of Chula Vista car insurance rates, let’s take a closer look at the average premium costs, individual determining factors, and strategies to help you continue to save on overall prices.

How to find affordable car insurance in Chula Vista, CA

Although car insurance rates in Chula Vista are cheaper than the national and state averages, it doesn’t mean you can’t continue to lower your insurance premiums even more. Here are our top five strategies to get cheap car insurance in Chula Vista: 
Chula Vista Find Affordable Insurance
Shop with an insurance broker
The best way to save on car insurance costs in Chula Vista is to continuously shop for car insurance—and it’s best done with a
broker
, who can compare rates from dozens of providers at once.
Learn about discounts
Several insurance providers offer 
car insurance discounts
 for good drivers, anti-theft devices, and paid in full premiums. If you have both home insurance or renters insurance and car insurance with the same provider, you can also combine policies for added discounts.
Keep a good driving record
Drivers who practice safe driving habits and track their driving often see lower premiums than those with violations on their history.
Choose a sensible car
Newer vehicles are often more costly to insure. Selecting an older model can also save you money on car insurance costs.

The average cost of car insurance in Chula Vista, CA

To determine if you’re overpaying for car insurance coverage in Chula Vista, start by comparing your price against the national and state average for both full coverage and the state minimum.
Location
Average cost of full coverage (per month)
Average cost of state minimum coverage (per month)
Chula Vista
$118
$37
California
$134
$47
United States
$150
$62

The best car insurance companies in Chula Vista, CA

When it comes to selecting an auto insurance provider, it’s important to keep in mind factors, such as customer satisfaction, cost effectiveness, and available coverage options. Here are some of the top providers in Chula Vista that hit all of these checkpoints, and more: 
Provider
Average full coverage cost 
Average state minimum cost
Added benefits and insurance products
Travelers
$1,022
$366
Drivers who shop with Jerry find the most savings with Travelers Along with their cheaper policies, Travelers also offers numerous discounts, perks, and coverage options for a variety of motorists.
Allstate
$1,134
$238
Along with traditional policies such as liability-only and full coverage, Allstate also has insurance and discount opportunities for rideshare drivers and classic car owners.
National General
$1,232
$420
National General offers added benefits such as emergency expense allowances, lifetime repair guarantees, and 24-hours claims reporting.
Progressive
$1,245
$371
Progressive is often known for their extensive telematics programs and discounts—and both families and their teens can use them to earn savings on car insurance.
Keep in mind that the rates you see may differ from what you get—to find your ideal rate, it’s best to compare free quotes from several insurance providers based on your driver specific profile. 
It’s no secret—insurance rates have increased across the nation in the past year alone due to factors including inflation and supply chain shortages. 
And this is also true in California. A recent S&P Global Market report noted that auto insurance rates in California rose by 16.6% in the past five years.5 While this could be the result of change in the economic environment, it also could be attributed to less providers operating in the state.
As of 2023, several insurance providers, such as Kemper and GEICO, have stopped writing new car insurance policies altogether in California, and many others, including Allstate and State Farm, have also paused on providing home and commercial business insurance options. 6 7 8
While State Farm and Allstate do still provide car insurance in California, State Farm raised rates by 6.9% in 2023 to offset rising claims costs, placing most California drivers in a difficult position of having to pay more due to less available provider options. 9

What are the minimum car insurance requirements in California?

Like many other states, California drivers are required to have a certain amount of
liability coverage
in order to legally drive. These limits ensure that drivers have enough protection in place to cover any medical expenses or property damage costs after a car accident. 
Keep in mind that these are the bare minimum amounts and will only cover damages that you cause to others in an at-fault accident. 
To ensure that you, your vehicle, and your passengers are also protected, consider switching to a
full coverage policy
with extra coverage, such as comprehensive coverage, collision coverage, and medical payments. Drivers can also increase their liability limits for added protection.
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Expert Insurance Agent Insight

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VP of Insurance Operations
A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.

Liability vs. full coverage: Which should you get in Chula Vista, CA?

When shopping for car insurance, it can be difficult to discern your coverage needs. Aside from vehicle and personal protection, here are a few other reasons why a full coverage policy may benefit you more in the long run.

State minimum insurance leaves you financially vulnerable 

The average cost of a liability-only policy in Chula Vista is approximately $447 per year, and is relatively cheaper than a full coverage option—but it’s important to remember that this type of coverage only provides basic protection up to California’s limits. If you’re involved in a serious car accident, these amounts could max out easily, leaving your assets and future income exposed if you can’t pay for costs out of pocket. 

Full coverage provides a safety-net and opens the door to add-on options

A full coverage policy in Chula Vista is approximately $1,410 per year, making it 14% less than the state average. This is more expensive upfront than the state minimum, but can provide your vehicle with extra coverage in the form of comprehensive and collision insurance. 
It’s especially worth considering if you own a high-value or newer model vehicle. Generally, if you’re in the process of leasing or financing a vehicle, proof of full coverage with comprehensive and collision is mandatory. 

Optional car insurance add-ons

Most car insurance providers also offer insurance add-ons to help drivers build a robust and protective policy. The most common add-ons include:
Add-on
Benefits
This type of insurance add-on covers the cost of a rental vehicle while your car is being repaired in the shop. 
Guaranteed asset protection, or gap insurance, will cover the ‘gap’ between your vehicle’s actual cash value and remaining loan balance at the time of a total loss accident.
(UM/UIM): This insurance will protect you in an accident with an uninsured or underinsured driver. California ranked in the top 10 for uninsured motorists in 2019, making UM/UIM a crucial part of your policy. 
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MedPay will pay for medical expenses for you and your passengers, excluding lost wages. 
When you’re involved in a collision, damages to your vehicle will be covered, regardless of fault. This is invaluable if you own a high-value or new model vehicle.
Comprehensive coverage will pay for damages to your vehicle in non-collision related events, such as severe weather, theft, and vandalism.

Roadside assistance is essential in California

Drivers in Chula Vista, California, can add
roadside assistance
to their car insurance policy through their insurance provider, or by obtaining a membership with a roadside assistance service provider, like AAA.
Not only can roadside assistance cover you for flat tires and vehicle lockouts, but it also will provide gasoline services, jumpstart dead batteries, and pay for towing. 
Typically, roadside assistance doesn’t cost more than $10-$15 per month extra, unless you purchase a membership, which generally charges an annual fee of varying prices depending on your tier level.  
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Penalties for driving without insurance in California

Driving without insurance
is illegal in California and comes with hefty fines and penalties. If you’re caught without at least the state minimum liability insurance, you could face the following charges:
First offenses 
  • Up to $200 in fines
  • Potential vehicle impoundment
  • Licenses suspension for up to one year
  • SR-22 filing for up to three years (if involved in an accident, regardless of fault)
Subsequent offenses 
  • Up to $500 in fines
  • Potential vehicle impoundment
  • License suspension for up to four years
  • SR-22 filing for up to three years (if involved in an accident, regardless of fault)
Along with these penalties, drivers may also be subject to penalty assessments, which can double their initial fine amount. These charges push the importance of maintaining at least the state minimum amount of car insurance required in California, as the financial repercussions could ultimately cost you more than a policy in the long run. 

What affects the cost of car insurance in Chula Vista, CA?

The cost of car insurance in Chula Vista is determined based on a number of factors, such as: 
Factor
Reason
Age
Teen drivers generally pay some of the highest rates, whereas most drivers see the lowest premiums once they turn 25.
Marital status
Drivers who are married tend to pay some of the cheapest premium rates, as they are often perceived as low-risk.
Driving record
Maintaining a clean driving record can help you earn some of the best rates in Chula Vista. Any violations, whether it’s a speeding ticket or DUI, can lead to significantly increased car insurance costs.
Coverage levels
The extent of coverage you choose affects your premiums. Full coverage with low deductibles and high limits will be more expensive than basic liability coverage.
Vehicle type
 If you own an older vehicle, you could receive lower premiums, as older models tend to depreciate in value by 3.4% for every model year of age.
Homeownership
Homeownership can change your car insurance rates, with homeowners often seeing lower car insurance costs compared to those who rent. To save even more, you can bundle your auto insurance with your home insurance, making you eligible for discounts.
Student drivers and educators
Most full-time students will qualify for specialty discounts to help offset the cost of car insurance while attending school. Similarly, teachers can qualify for specific programs to help them achieve lower premiums.
Mileage
How much you drive can affect your rates. If you have a long daily commute or drive frequently, you may pay more.
Crime rate
Between 2022 and 2023, there were 177 vehicle thefts in Central Chula Vista alone—and a reported 1,090 in the total Chula Vista area.
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 These higher vehicle crime rates can lead to rising full coverage costs due to the increased risk. 
Severe weather
Wildfires are a growing concern in California. As a result, car insurance rates have increased due to rising claims costs.
Combined, each of these elements create a picture of the ever changing car insurance landscape in Chula Vista. Below is a deeper dive into a few of these factors, along with the potential rates you could see when shopping for car insurance. 

Age

Age has one of the greatest impacts on your overall car insurance costs, with teens seeing the highest rates. As you age, your premiums will generally decrease until you become a senior driver—then they may rise again due to age-related factors.

Monthly car insurance rates for age groups in Chula Vista, CA

Age
Average full coverage cost
Average state minimum cost
18-21
$201
$73
22-25
$139
$44
26-34
$120
$36
35-44
$108
$35
45-54
$103
$32
55-64
$92
$34

Marital status

Believe it or not, your personal relationship status can also contribute to your car insurance costs. Married drivers are often viewed as more financially stable and safe drivers compared to single motorists, thus leading to cheaper overall premiums.

Driving record

Next to age, your driving record can either negatively or positively impact your car insurance rates depending on whether you have a clean driving history, or one with violations. Drivers with no accidents or traffic infractions are generally seen by insurance companies as a low-risk driver who is less likely to file a claim.
On the other hand, drivers with violations, such as speeding tickets or at-fault accidents are seen as riskier to insure and typically see increased premiums. 

Average monthly rates after a violation in Chula Vista, CA

Violations
Average full coverage cost
Average state minimum cost
With violations
$130
$43
Without violations
$118
$37

SR-22 insurance in Chula Vista, CA

Drivers will be required to file an SR-22 certificate in Chula Vista when their license is suspended following a major violation. Generally, this occurs after charges such as a DUI, reckless driving, or driving without insurance. 
This type of certificate proves financial responsibility and informs the DMV that you have an active car insurance policy that meets the state minimum requirements. Typically this is filed on your behalf by your insurance provider, but not all California insurers work with SR-22s, and most may charge you higher rates as a result.

Vehicle type

Do you own a newer model or high-value car? If so, you could experience higher overall car insurance rates as your vehicle is seen as more likely to experience theft and vandalism, and higher repair costs. If you own an older model vehicle, you’ll generally receive lower premiums.
Vehicle type
Average full coverage cost
Average state minimum cost
Toyota RAV4
$152
$86
Honda Civic
$180
$97
Toyota Camry
$183
$98
Tesla Model Y
$220
$94
Tesla Model 3
$223
$100

Housing situation

Drivers who own a home in Chula Vista will generally pay less for full coverage car insurance than renters as they can not only prove financial responsibility, but also qualify for bundling and multi policy discounts. 
Housing situation
Average full coverage cost by year
Average full coverage cost by month
Homeowner
$1,224
$102
Non-homeowner
$1,452
$121

Student drivers and educators

Full-time students in Chula Vista can save on their higher premiums by applying for good student, distant student, and teen car insurance discounts with various providers, such as Progressive, State Farm, and GEICO. 
Similarly, several insurers offer discounts for educators, and some, such as California Casualty and Horace Mann, even provide specialty packages and programs.

Crime rates

California experiences some of the highest crime rates in the nation. In 2022, there were 902,977 reported property crimes—181,815 of which involved motor vehicle theft.12 The total number of property crimes increased by 5.3% from 2021 to 2022, and shows no signs of slowing.
The total number of property crimes increased by 5.3% from 2021 to 2022, and a report by the Council on Criminal Justice in mid-2023 showed that the upward trend in motor vehicle theft shows no signs of slowing, with a nationwide increase of 104.3% since early 2019.13
If you live in a high-crime ZIP code, you may see higher car insurance rates overall. 

The cheapest ZIP codes in Chula Vista

ZIP codeAverage annual premium
91914$1,514
91911$1,554
91910$1,660
91913$1,737
91915$1,787

The most expensive ZIP codes in Chula Vista

ZIP codeAverage annual premium
91915$1,787
91913$1,737
91910$1,660
91911$1,554
91914$1,514

FAQs

What is the average cost of car insurance in Chula Vista?

The average cost of a full coverage policy in Chula Vista is approximately $1,410 per year, whereas the state minimum costs around $447 annually.

Who is the cheapest car insurance in California?

Most drivers find the best savings in Chula Vista with companies such as Travelers, Allstate, and National General. 

What is the difference between liability insurance and comprehensive insurance?

Liability insurance covers damages and injuries you cause to third parties in an accident. Comprehensive coverage, which is often included as part of a full coverage policy, covers damages to your vehicle in non-collision related events, such as severe weather, theft and vandalism, and animal crashes.

How can I find the cheapest car insurance in Chula Vista, CA?

The best way to find the cheapest car insurance in Chula Vista is to compare prices from several providers and continuously shop for insurance even once you obtain a policy. 

What insurance company is usually the cheapest in Chula Vista?

Travelers is one of the cheapest providers for Chula Vista drivers, offering full coverage rates at as low as $1,022 per year.

How much is car insurance for a young driver in Chula Vista, California?

Young drivers between the ages of 18 and 21 often pay around $201 per month for a full coverage policy and $73 per month for the state minimum.

What are the best ways to lower your car insurance in California?

California drivers can lower their car insurance rates by comparing quotes, shopping for discounts, raising their deductible, and maintaining a clean driving record. 

Methodology

All premium data in this article comes from real car insurance quotes obtained through the Jerry app and analyzed by our editorial team. Jerry’s data scientists analyzed over 25 million real quotes issued to users in Jerry’s proprietary database. Jerry is partnered with 55+ insurance companies in 48 states. 
Unless otherwise stated, all data represents the average of the lowest quoted price for a currently insured single driver with a single vehicle at time of writing (12/13/2023).
Minimum coverage refers to policies with the following coverage limits: $15,000 per person/$30,000 per accident in bodily injury liability coverage and $5,000 per accident in property damage liability coverage.
Full coverage refers to policies that contain at least the minimum liability required by law in California, along with comprehensive and collision insurance with deductibles of either $500 or $1,000. 

Sources

Meet our experts

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Maria Cruz
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Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
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Amy Bobinger
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Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.