Cheapest Auto Insurance in Chula Vista, California (2024)

Mile Auto offers the cheapest car insurance in Chula Vista, with minimum-coverage policies as low as $50 per month.

A.M. Steinbach
Written byA.M. Steinbach
A.M. Steinbach
A.M. SteinbachInsurance Writer
  • Full-time writer for 5+ years

  • Two-time Emmy Award nominee

A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.

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Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Updated May 23, 2024

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Cheapest recent rates near Chula Vista, California

Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $91/mo for full coverage in Chula Vista and other California cities.

*Quotes generated for Insurify users in and around Chula Vista, California within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Chula Vista, California within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Chula Vista, CA, pay an overall average of $166 per month for car insurance, which is cheaper than the California state average of $202. Chula Vista is spacious, 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 $160. Learn how comparing car insurance rates can help Chula Vista drivers find the right policy at an affordable price.

Quick Facts
  • Chula Vista had 1,778 accidents in 2022, only three of which were fatal, according to the city’s police department.[1]

  • The mean commute time for Chula Vista workers is just 29 minutes, slightly less than the California mean of 31 minutes.[2],[3]

  • City drivers with a DUI on their motor vehicle records pay significantly more than drivers with clean records — $214 per month vs. $166.

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.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Clearcover3.4$${AUTO_CARRIER_CLEARCOVER_FULL_STATE_CA_PRICE}$${AUTO_CARRIER_CLEARCOVER_LIABILITY_STATE_CA_PRICE}Minimum coverage
Mile Auto3.7$116$62Teen drivers
Mercury4.0$170$90Drivers with an accident
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for minimum coverage: Clearcover

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$86/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$142/mo

In business since just 2016, Clearcover offers the lowest average rates on liability-only insurance in the city. Choosing just liability-only insurance isn’t always recommended, but it can be a good choice for drivers of used or older vehicles. While used car sales are slowing in California,[4] any of Chula Vista’s thousands of used-car drivers could benefit from affordable liability insurance. Clearcover earned an A- for financial stability from AM Best and offers a highly rated mobile app.

Pros
  • Some of the lowest liability-only rates in Chula Vista

  • File claims and pay bills in mobile app

Cons
  • While rates start low, Clearcover offers minimal discounts

  • Available in only 20 states

Read our Clearcover review
Mario - May 20, 2024
Verified

I love it!

I love this place. Every interaction was so easy.

Joshua - April 14, 2024
Verified

Loyal Customers Get Raised Rates

They start off with good rates, but after being a loyal customer, they raise the rates even though the value of the vehicles goes down.

Linda - April 7, 2024
Verified

No

The cost is too high considering how little I drive. I haven't had any tickets in 10 years and I'm a senior.

Best insurer for teen drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$50/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$94/mo

Teens make up nearly a quarter of all Chula Vista residents, according to U.S. Census Bureau data. And they often get stuck with high car insurance rates. Mile Auto might not have the brand recognition of a State Farm, but the company offers cheap car insurance in Chula Vista. Its pay-per-mile program is a good choice for teenagers who drive less. And Chula Vista teens heading to any of the top colleges in the area won’t have to worry about high rates while storing their cars, as Mile Auto offers storage insurance.

Pros
  • No mileage-tracking device in your car

  • Offers optional coverages, like roadside assistance and rental car reimbursement

Cons
  • Available in only 11 states

  • Offers minimal discounts, though prices start low for low-mileage drivers

Best insurer for drivers with an accident: Mercury

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$73/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$138/mo

Accidents are on the rise in Chula Vista, with nearly 1,800 accidents recorded last year. An accident will stay on your record for three years in California — and drivers with accidents on their motor vehicle record pay higher average rates than drivers with clean driving records. Luckily, Mercury offers a good driver discount for drivers who avoid accidents and tickets for an extended period of time, which can help you lower those rates. Mercury also earned above-average customer satisfaction ratings from J.D. Power and an A financial strength rating from AM Best.

Pros
  • Above-average J.D. Power customer satisfaction rating

  • Plenty of discounts offered to drivers of all types

Cons
  • More complaints than average, according to the National Association of Insurance Commissioners (NAIC) Complaint Index

  • Available in only 11 states

Read our Mercury review
Marilyn - May 21, 2024
Verified

Great Company

It's a great company. I've been with them for years.

Marilyn - May 21, 2024
Verified

Excellent

Great value.

Elizabeth - May 19, 2024
Verified

I had full coverage, but then there was a $400 hike per year. I switched to State Law which was $200 lower. I sent a check for $146.00 for renewal, but they claimed it arrived 2 days late. Was it due to snail mail? I think they're lying. The new policy is $600 more per year. Now, I have no insurance. I've had this poor service since I was 16. I might just go without insurance because I no longer care.

I had full coverage, but then there was a $400 hike per year. I switched to State Law which was $200 lower. I sent a check for $146.00 for renewal, but they claimed it arrived 2 days late. Was it due to snail mail? I think they're lying. The new policy is $600 more per year. Now, I have no insurance. I've had this poor service since I was 16. I might just go without insurance because I no longer care.

Find Cheap Car Insurance in Chula Vista, CA

Rates start as low as $50 per month for liability coverage

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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.

Learn More: The Insurify Guide to Car Insurance Discounts

Learn More: The Insurify Guide to Car Insurance Discounts

Cheapest liability-only car insurance in Chula Vista: Mile Auto

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 Mile Auto, at $50 per month. The table below shows the cheapest liability-only car insurance companies in Chula Vista and their corresponding quotes.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto50
Sun Coast62
Mercury73
Anchor80
Dairyland86
USAA89
National General106
GEICO119
Allstate123
Direct Auto125
Farmers126
State Farm137
Travelers143
21st Century156
Bristol West164
Nationwide193
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Chula Vista: Mile Auto

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 Mile Auto, with quotes starting at $94 per month. The table below shows the cheapest full-coverage car insurance companies in Chula Vista and their corresponding quotes.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto94
Mercury138
Anchor180
Sun Coast180
USAA190
Dairyland247
National General249
GEICO253
Allstate262
Farmers269
State Farm292
Direct Auto294
Travelers307
21st Century334
Bristol West334
Nationwide411
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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.

CoverageMinimum Requirements
Bodily injury liability$30,000 per accident / $15,000 per person
Property damage liability$5,000 per accident

Drivers looking for additional auto insurance coverage can purchase the following optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Add this coverage to your policy to cover your own vehicle’s repair costs in the event of an accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Add this coverage to your policy to cover your vehicle’s repairs in the event of a non-collision event, such as weather, fire, or vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If a driver who doesn’t have any insurance or enough insurance to cover damages causes an accident, uninsured/underinsured motorist insurance covers your repairs and medical expenses.

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.

Shop for Car Insurance in Chula Vista

Rates start at $66 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

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.

The cheapest insurer for drivers with a speeding ticket in Chula Vista is Mile Auto, with an average cost of $68 per month. The table below shows the cheapest car insurance companies in Chula Vista for drivers with a speeding ticket on their records.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Mile Auto5068
Sun Coast6285
Mercury7399
Anchor80101
Dairyland86109
USAA89112
National General106148
GEICO119150
Allstate123155
Direct Auto125160
Farmers126158
State Farm137172
Travelers143182
21st Century156202
Bristol West164205
Nationwide193246
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

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.

Mile Auto offers the cheapest rates in Chula Vista for drivers with an at-fault accident, starting at $69 per month. The table below shows the cheapest car insurance quotes for drivers with a car accident on their driving record.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Mile Auto5069
Sun Coast6280
Mercury7398
Anchor80111
Dairyland86108
USAA89112
National General106133
GEICO119150
Allstate123155
Direct Auto125161
Farmers126158
State Farm137172
Travelers143181
21st Century156201
Bristol West164203
Nationwide193245
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Mile Auto

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 cheapest insurer for drivers with a DUI in Chula Vista is Mile Auto, with rates that start at $67 per month. The table below shows the cheapest car insurance companies in Chula Vista for drivers with a DUI on their driving record.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Mile Auto5067
Sun Coast6280
Mercury7397
Anchor80119
Dairyland86128
USAA89132
National General106157
GEICO119177
Allstate123183
Direct Auto125186
Farmers126187
State Farm137203
Travelers143212
21st Century156232
Bristol West164244
Nationwide193287
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Mile Auto

Age plays a large role in determining your car insurance rates. Rates decrease around the age of 35, then begin to rise again at around 75. 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 cheapest insurer for senior drivers in Chula Vista is Mile Auto, with an average cost of $39 per month. The table below shows the cheapest car insurance quotes for senior drivers in Chula Vista.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Mile Auto3973
Sun Coast53154
Mercury56106
Anchor64143
Dairyland70201
USAA72154
National General87203
GEICO96205
Direct Auto98230
Allstate100214
Farmers100213
State Farm108230
Travelers114245
21st Century119255
Bristol West134272
Nationwide147313
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Mile Auto

Teens pay more for car insurance on average. 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. The cheapest insurer for teen drivers in Chula Vista is Mile Auto, with an average cost of $89 per month. The table below shows the cheapest insurance options for teen drivers.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Mile Auto89168
Sun Coast93271
Mercury122231
Anchor129290
Dairyland132378
USAA135287
GEICO170361
National General182428
Allstate197419
Farmers203434
Direct Auto210493
State Farm212451
Travelers236507
21st Century237507
Bristol West255520
Nationwide301641
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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 ZIP code based on several factors, such as local 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 — $148. And similarly sized Orlando has rates that are much higher than Chula Vista’s, averaging $306 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.

CityAverage Quote: Full CoverageAverage Quote: Liability Only
Anaheim$293$144
Berkeley$241$131
Fremont$296$132
Fresno$241$127
Los Angeles$340$198
Oakland$302$150
Sacramento$292$137
San Diego$233$116
San Francisco$294$148
San Jose$270$125
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $166. That breaks down to a full-coverage average of $210 and $121 for liability-only coverage.

  • Who has the cheapest car insurance in Chula Vista?

    Mile Auto has the cheapest car insurance rates in Chula Vista, starting at $50 for liability coverage. Chula Vista drivers can also find cheap rates with Sun Coast and Mercury. Sun Coast has liability-only rates that start at $62, while Mercury’s cheapest rate is $73 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 $271 per month. Liability-only coverage averages $133 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.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. City of Chula Vista Police Department. "Traffic Collisions."
  2. U.S. Census Bureau. "Quick Facts Chula Vista city, California."
  3. St. Louis Fed. "Mean Commuting Time for Workers (5-year estimate) in Los Angeles County, CA."
  4. California New Car Dealers Association. "California Auto Outlook."
A.M. Steinbach
A.M. SteinbachInsurance Writer

A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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