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.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Drivers in Chula Vista, CA, pay an overall average of $171 per month for car insurance, which is cheaper than the California state average of $212. 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 $160. Learn how comparing car insurance rates can help Chula Vista drivers find the right policy at an affordable price.
Quick Facts
Mile Auto, Sun Coast, and Mercury are the three cheapest insurers for Chula Vista drivers.
Car insurance in Chula Vista averages $218 monthly for full coverage and $123 per month for liability only, according to Insurify data.
Chula Vista had 1,778 accidents in 2022, only three of which were fatal, according to the city’s police department.[1]
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 Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
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.
$60/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.
$177/mo
Sun Coast is an insurance broker that sells policies from multiple regional insurers, and it has some of the lowest and most available rates in Chula Vista. The agency has been in business since 1980, and works with more than 3,500 independent agents.
Pros
Some of the lowest liability-only rates in Chula Vista
Works with multiple insurers and offers multiple products
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5/10
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.
$48/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.
$90/mo
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 seniors, remote workers, or anyone who drives less. Mile Auto charges a monthly base rate and then a low per-mile fee on top of the base, so policyholders pay only for the miles they actually drive.
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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.0/10
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.
$76/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.
$141/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
Alex is always good, but he needs to provide more explanations of the policy for older adults. Additionally, better discounts for them would be appreciated.
Randy - July 23, 2024
Verified
Review of Mercury
I had one accident and the claim process was good. However, the accident doubled my rate, so I'm switching.
Fred - July 22, 2024
Verified
Increasing Rates Despite No Tickets or Accidents
I haven't had any tickets or accidents for at least 9 years, yet my rate keeps increasing.
…
Find Cheap Car Insurance in Chula Vista, CA
Rates start as low as $48 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. Ahigher deductiblegenerally 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 whobundle car insurance with home insuranceor 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: 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 $48 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
$48
Sun Coast
$60
Mercury
$76
Anchor
$81
USAA
$94
National General
$106
GEICO
$124
Direct Auto
$125
Allstate
$129
Farmers
$132
State Farm
$144
Travelers
$151
21st Century
$164
Bristol West
$180
Nationwide
$202
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 $90 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
$90
Mercury
$141
Sun Coast
$177
Anchor
$188
USAA
$193
GEICO
$257
National General
$257
Allstate
$266
Farmers
$273
Direct Auto
$295
State Farm
$297
Travelers
$311
Bristol West
$336
21st Century
$339
Nationwide
$418
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.
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.
Coverage
Minimum 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:
Collision coverage
Add this coverage to your policy to cover your own vehicle’s repair costs in the event of an accident.
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.
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 insurancecovers 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 $63 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.
A speeding ticket pushes the average monthly cost of car insurance to $293 for full coverage and $165 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.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto
$48
$64
Sun Coast
$60
$81
Mercury
$76
$103
Anchor
$81
$102
USAA
$94
$118
National General
$106
$133
GEICO
$124
$156
Direct Auto
$125
$158
Allstate
$129
$162
Farmers
$132
$165
State Farm
$144
$180
Travelers
$151
$192
21st Century
$164
$213
Bristol West
$180
$225
Nationwide
$202
$257
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.
On average, Chula Vista drivers who have an at-fault accident see monthly rates of $275 for full coverage and $155 for liability-only policies. 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Mile Auto
$48
$65
Sun Coast
$60
$76
Mercury
$76
$102
Anchor
$81
$111
USAA
$94
$118
National General
$106
$134
GEICO
$124
$156
Direct Auto
$125
$160
Allstate
$129
$162
Farmers
$132
$165
State Farm
$144
$179
Travelers
$151
$191
21st Century
$164
$211
Bristol West
$180
$223
Nationwide
$202
$256
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 average cost of car insurance for Chula Vista drivers with DUI convictions is $279 per month for full coverage and $157 for liability. 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Mile Auto
$48
$63
Sun Coast
$60
$77
Mercury
$76
$100
Anchor
$81
$120
USAA
$94
$139
National General
$106
$157
GEICO
$124
$184
Direct Auto
$125
$185
Allstate
$129
$191
Farmers
$132
$196
State Farm
$144
$213
Travelers
$151
$224
21st Century
$164
$243
Bristol West
$180
$267
Nationwide
$202
$299
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 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 $194 per month for full coverage and $109 monthly for liability only. The table below shows the cheapest car insurance quotes for senior drivers in Chula Vista.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
$38
$71
Sun Coast
$53
$157
Mercury
$60
$112
Anchor
$65
$152
USAA
$78
$160
National General
$86
$209
Direct Auto
$101
$238
GEICO
$103
$213
Farmers
$107
$222
Allstate
$108
$222
State Farm
$117
$240
Travelers
$123
$254
21st Century
$128
$264
Bristol West
$150
$280
Nationwide
$158
$326
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 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 $327 per month for full coverage and $185 for minimum coverage. The table below shows the cheapest insurance options for teen drivers.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
$86
$162
Sun Coast
$90
$266
Mercury
$127
$236
Anchor
$130
$302
USAA
$143
$293
GEICO
$178
$368
National General
$189
$459
Allstate
$208
$428
Direct Auto
$210
$495
Farmers
$213
$441
State Farm
$224
$461
Travelers
$250
$515
21st Century
$251
$519
Bristol West
$280
$523
Nationwide
$317
$656
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 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 — $171. And similarly sized Orlando has rates that are much higher than Chula Vista’s, averaging $289 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.
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 $171. That breaks down to a full-coverage average of $218 and $123 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 $48 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 $60, while Mercury’s cheapest rate is $76 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 $287 per month. Liability-only coverage averages $137 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.
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 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.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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