Who Has the Cheapest Car Insurance Rates in Chula Vista?

Chula Vista is a large suburb south of San Diego, California, just north of the Mexican border with a population of around 274,500. The median household income in 2018 was $76,354. Commuter drive times in Chula Vista are somewhat high. Drivers spent an average of 29.7 minutes in their vehicles, which is higher than the California average of 29.3 minutes. The national commuting average is 26.6 minutes.

Vehicle thefts are slightly lower in Chula Vista than in the San Diego-Carlsbad Metropolitan Area to the immediately to the north, where 11,091 vehicle thefts occurred in 2018 for a rate of 331.73 per 100,000, according to the National Insurance Crime Bureau (NICB). Chula Vista’s rate was 2.57 per 100,000. However, Chula Vista has a slightly higher average premium rate than San Diego. San Diego’s auto insurance premiums average $1,692, while Chula Vista’s average is $1,705. Both rates are significantly lower than California’s average of $1,868.

How Much Car Insurance Coverage Do I Need in Chula Vista

Auto insurance minimums are slightly lower in California than in some other states. A good auto insurance policy that will give you maximum protection will often have much higher liability limits. For example, drivers can get up to $250,000 for each liability category in California. The higher the figure, the less likely your personal assets are to be tapped in the case of a catastrophic vehicular accident. Other types of coverage that you should consider getting on your policy include collision and comprehensive coverage, which pays for a wide variety of repairs, uninsured and underinsured motors coverage for incidents where the other driver is not properly insured, and umbrella insurance, which provides an extra layer of coverage above your auto policy.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Chula Vista by Insurer

Because car insurance premiums are so expensive in California, drivers are always looking for a bargain. Generally, drivers will find the cheapest rates with Geico, Allstate, Progressive, Nationwide, Farmers, and State Farm. However, automatically going with the cheapest quote may not be the best move for you. Instead you should analyze the coverage that each policy gives you to see if it meets your needs. You can also read the company’s reviews and customer service records before making a final decision.

Are you looking for cheap quotes for auto coverage near you?

Low Cost Auto Insurance for Bad Credit in Chula Vista

Although many American insurance companies use credit-based insurance risk to determine the premiums drivers will pay, California is one of the few states where credit scores don’t affect premiums. The price you pay is the same across the board, whether you have poor, good, or excellent credit. Of course, other risk factors will play into your premium. These include where you live, the type of vehicle you have, its age, and how far you commute to work.

Find out how your car insurance rates are impacted with bad credit.

Full Coverage Vs. Liability Coverage

What is Liability Only Coverage?

Liability-only coverage is the cheapest option for automobile insurance. This coverage level only covers vehicles that are not at fault in an accident. Thus, if you carry liability-only coverage and cause an accident, the other driver will be covered by your policy. Any damage done to your car must be covered out of pocket, if at all.

Another way to think of liability insurance is that it protects you from claims made by another driver. Without the protection of insurance, you might be sued if you were to collide with another vehicle.

What does Full Coverage Insurance Cover?

Full Coverage is a commonly used term which covers more than just the damage you might cause in an accident, or the coverage you are liable for. If your policy covers your liability to another vehicle, the damage done to your vehicle (collision insurance), and any incidental damage done to your car by any non-auto elements (comprehensive coverage), then you have a policy that is indeed full coverage. If you have a new car, you may wish to cover it with such a policy, as you might want the peace of mind that any damage will be covered by insurance.

What are the Major Differences Between Full Coverage and Liability?

The main difference between liability and full coverage insurance is that full coverage will cost more than liability insurance and this is because it protects you against many more possible risks that liability doesn’t cover.

In addition, liability insurance only covers other people’s injury claims and damages to other vehicles where full coverage will cover other’s injuries and vehicle damages as well as your injuries and damage to your own vehicle.

Average Annual Car Insurance Rates in California by City

Additional cities in California you can check out.


Helpful Advice to Get Lower Car Insurance Rates

Save on Your Insurance Policy Rates With These Discounts in Chula Vista:

  • Don’t Speed

    If you are caught speeding, your license will accrue points. With each additional point, your insurance company considers you more of a liability and so will charge you more for insurance. Stick to local in-town limits and use your cruise control on the highway to avoid excessive speed.

  • Shop Around

    Different insurers charge different premiums for virtually the same policies. Since the essential service is often identical from company to company, you are sure to save money by comparing rates from multiple companies.

  • Avoid Accidents

    When you are at fault in an accident, law enforcement will add points to your license. Further, the other party is likely to file a claim against your policy. When insurers pay out on claims, they typically raise the premiums for those policy holders.

  • Bundled Insurance Packages

    If you have renter’s insurance or are a homeowner, you may be able to add your automobile to the policy. This also goes for other vehicles or even health insurance. Insurance companies love to bundle policies and offer incentives for customers to do so. You will only have one premium payment to make, which makes things easy, and you’ll save money, as well.

  • Insure Multiple Cars

    If you own multiple cars, your per-car rates are bound to be lower if you put them all on the same policy. You can also include a car owned by your spouse or domestic partner. You could also add your partner to health insurance or cover their recreational vehicles under your policy.

Get the best discounts for car insurance using our expert guide.

Factors That Affect Your Car Insurance Premiums

Chula Vista drivers are likely to see their insurance rates change over time. There can be many factors, both positive and negative, that impact your regular premiums. One key thing that all drivers face is aging. As you mature as a person and as a driver, your insurance rates are likely to fall. Typically, older drivers are safer drivers. They are less likely to drink and drive, speed, or take unnecessary risks on the road.

Your rates are also dependent, in part, on the type of car you drive. Drivers who love high-powered sports cars will likely spend more for automobile insurance than those who drive less-exciting SUVs and sedans.

Rates are also tied to the deductible on the policy. If you carry collision or comprehensive (full) coverage and opt for a higher deductible, your premiums could be lower. That is, if a tree hits your car, you will pay more up front for the damage to offset the lower premiums you’ve been paying over time.

Use our guide to compare car insurance rates with tickets.

Helpful Chula Vista, California Vehicle Resources:

Live Traffic and Accidents

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


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