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Cheap Auto Insurance Quotes in Chula Vista, CA (August 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Car Insurance in Chula Vista, CA
The average cost of California car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Chula Vista, CA to find you the cheapest quotes in the area.
Quick Facts
- The average cost of car insurance in Chula Vista is $172 per month, or $2064 annually.
- Car insurance in Chula Vista is $5 less than the average cost of car insurance in California.
- The cheapest car insurance provider in Chula Vista on average is Metromile, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
State Farm$63
GEICO$64
Nationwide$110
Mercury$112
Cheapest Car Insurance in Chula Vista, CA
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Chula Vista | Quotes |
|---|---|
| State Farm | $63 /mo |
| GEICO | $64 /mo |
| Nationwide | $110 /mo |
| Mercury | $112 /mo |
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Average Car Insurance Cost
| California Cities | |
|---|---|
| Los Angeles | $195/mo |
| San Diego | $173/mo |
| San Jose | $212/mo |
| San Francisco | $132/mo |
| Chula Vista | $87/mo |
| California | $160/mo |
Chula Vista$87
San Francisco$132
Average for CA$160
San Diego$173
Los Angeles$195
San Jose$212
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in California
All motor vehicles operated or parked on California roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in California[1] are:
- $15,000 per person for bodily injury
- $30,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. California is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $5,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Find local Chula Vista agents
American Tri-Star Insurance Services Chula Vista
401 H St #10,
Chula Vista, CA 91910Freeway Insurance
624 Palomar St Ste 701,
Chula Vista, CA 91911Auto International Insurance
651 Palomar St #A22,
Chula Vista, CA 91911Pronto Insurance Agency
38 3rd Ave #B,
Chula Vista, CA 91910Eastlake Insurance Services
884 Eastlake Pkwy # 1626,
Chula Vista, CA 91914GEICO Insurance Agent
386 E H St Suite 203,
Chula Vista, CA 91910Raya Insurance Agency USMC: Allstate Insurance
985 Broadway STE J,
Chula Vista, CA 91911Hotwire Insurance
555 Broadway #2018,
Chula Vista, CA 91910Farmers Insurance: McClurg Insurance Agency
294 F St,
Chula Vista, CA 9191020/20 Insurance & Auto Registration Service
1043 Broadway #102,
Chula Vista, CA 91911
FAQs - Chula Vista, CA Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Insurify Insights
How Chula Vista Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Chula Vista, California below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Chula Vista drivers measure up to their fellow motorists across California in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Civic
Most Popular Car in Chula Vista
#158
City with the Most Speeding Tickets Rank in California
#189
City with the Most Moving Violations Rank in California
#110
City with the Most DUIs Rank in California
#115
City with the Most Suspended Licenses in California
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Chula Vista drivers rank 109 in the number of car accidents per driver across all cities in California.
- Rank within state: #109
- Percent of drivers in Chula Vista with an accident: 8.15%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Chula Vista drivers rank 110 in the number of DUI’s per driver across all cities in California.
- Rank within state: #110
- Percent of drivers in Chula Vista with a DUI: 2.2%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, Chula Vista drivers rank 56 in the number of reckless driving offenses per driver.
- Rank within state: #56
- Percent of drivers in Chula Vista with a reckless driving offense: 0%
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, Chula Vista drivers rank 45 in rude driving infractions.
- Rank within state: #45
- Percent of drivers in Chula Vista with a reckless driving violation: 1.76%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, Chula Vista drivers rank 158 in the number of speeding infractions per driver.
- Rank within state: #158
- Percent of drivers in Chula Vista with a speeding ticket: 5.6%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Chula Vista drivers rank 26 in clean driving records across all cities in California.
- Rank within state: #26
- Percent of drivers in Chula Vista with clean record: 15.33%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Chula Vista drivers rank 82 in hybrid and electric vehicle ownership across all cities in California.
- Rank within state: #82
- Percent of drivers in Chula Vista with a hybrid/electric vehicle: 1.69%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Insurance Content Project Manager
Tanveen Vohra is an insurance content manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.
Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.
Learn MoreSources
- California Department of Motor Vehicles. "State Minimum Car Insurance." Accessed May 28, 2022