Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Chula Vista, CA for senior drivers are $2,036/year
  • The annual number of car thefts in Chula Vista is 688.
  • The cheapest car insurance company in Chula Vista for teen drivers is USAA

Average car insurance rates in Chula Vista, California are $283 a month. But with a little research you can get a great deal from the top car insurance companies in Chula Vista, CA. Before you buy Chula Vista, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Chula Vista car insurance rates with San Francisco car insurance rates, Oakland car insurance rates, or San Diego car insurance rates to make sure you’re getting the best Chula Vista, CA car insurance quotes available.

Need affordable Chula Vista, CA car insurance? Enter your ZIP code to compare Chula Vista car insurance quotes from multiple car insurance companies near you.

Chula Vista, CA Minimum Car Insurance Coverage

Chula Vista, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Chula Vista, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Chula Vista, CA Car Insurance Rates by Coverage Level

Some Chula Vista drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Chula Vista, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Chula Vista, California

Insurance Company Low Medium High
Allstate $4,199 $4,409 $4,528
Farmers $4,206 $4,554 $4,798
GEICO $2,151 $2,397 $2,562
Liberty Mutual $2,537 $2,747 $2,888
Nationwide $3,887 $4,399 $4,688
Progressive $2,279 $2,604 $2,708
State Farm $3,548 $3,996 $4,252
Travelers $2,732 $3,205 $3,432
USAA $2,398 $2,679 $2,813

Chula Vista, CA Car Insurance Rates by Age, Gender, and Marital Status

Chula Vista, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Chula Vista, CA car insurance, get quotes from multiple car insurance companies in the Chula Vista area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Chula Vista, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,855 $2,900 $2,047 $2,109 $7,517 $9,550 $3,765 $4,287
Farmers $2,461 $2,461 $2,216 $2,216 $7,828 $12,819 $2,913 $3,241
GEICO $1,467 $1,468 $1,380 $1,380 $4,466 $4,539 $2,107 $2,152
Liberty Mutual $2,079 $1,968 $1,926 $1,867 $4,475 $4,770 $2,341 $2,364
Nationwide $3,053 $2,919 $2,667 $2,518 $7,692 $8,502 $3,642 $3,603
Progressive $1,599 $1,644 $1,355 $1,607 $4,205 $5,069 $2,297 $2,467
State Farm $3,102 $3,102 $2,770 $2,770 $5,684 $7,060 $3,430 $3,536
Travelers $2,348 $2,279 $2,068 $2,047 $4,777 $5,453 $3,030 $2,980
USAA $1,891 $1,794 $1,845 $1,856 $4,264 $4,295 $2,617 $2,476

Chula Vista, CA Car Insurance Rates for Teens

How much is Chula Vista, California car insurance for teens? Compare rates from top Chula Vista car insurance companies below to help find the cheapest teen car insurance in Chula Vista, CA.

Annual Car Insurance Rates for Teen Drivers in Chula Vista, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,517 $9,550
Farmers $7,828 $12,819
GEICO $4,466 $4,539
Liberty Mutual $4,475 $4,770
Nationwide $7,692 $8,502
Progressive $4,205 $5,069
State Farm $5,684 $7,060
Travelers $4,777 $5,453
USAA $4,264 $4,295

Chula Vista, CA Car Insurance Rates for Seniors

Before seniors buy Chula Vista, California car insurance, they should make sure to shop around. Some Chula Vista, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Chula Vista, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,047 $2,109
Farmers $2,216 $2,216
GEICO $1,380 $1,380
Liberty Mutual $1,926 $1,867
Nationwide $2,667 $2,518
Progressive $1,355 $1,607
State Farm $2,770 $2,770
Travelers $2,068 $2,047
USAA $1,845 $1,856

Chula Vista, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Chula Vista, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Chula Vista.

Annual Chula Vista, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,612 $4,470 $6,982 $3,451
Farmers $3,344 $4,550 $5,666 $4,517
GEICO $1,657 $2,560 $3,208 $2,055
Liberty Mutual $2,363 $3,168 $2,859 $2,505
Nationwide $3,018 $3,869 $6,543 $3,869
Progressive $1,661 $2,812 $3,258 $2,391
State Farm $2,803 $3,345 $6,325 $3,255
Travelers $2,101 $3,385 $3,941 $3,066
USAA $1,748 $2,598 $4,259 $1,915

Chula Vista, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Chula Vista, CA car insurance rates. Compare rates below to see which Chula Vista car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Chula Vista, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,982
Farmers $5,666
GEICO $3,208
Liberty Mutual $2,859
Nationwide $6,543
Progressive $3,258
State Farm $6,325
Travelers $3,941
USAA $4,259

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Chula Vista, CA Car Insurance Rates by ZIP Code

Just like Chula Vista car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Chula Vista, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Chula Vista, California

ZIP Code Average Annual Rates
91902 $4,684
91910 $4,663
91911 $4,779
91913 $4,585
91914 $4,557
91915 $4,549

Chula Vista, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Chula Vista, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Chula Vista companies based on commute time.

Annual Car Insurance Rates by Commute Length in Chula Vista, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,946 $4,812
Farmers $4,100 $4,938
GEICO $2,153 $2,587
Liberty Mutual $2,501 $2,947
Nationwide $3,823 $4,826
Progressive $2,297 $2,764
State Farm $3,788 $4,076
Travelers $2,812 $3,434
USAA $2,425 $2,835

Chula Vista, CA Cheapest Car Insurance Rates

How do the top Chula Vista, California car insurance companies’ average rates stack up against the Chula Vista average monthly car insurance rates of $283? Take a look and see.

Best Annual Car Insurance Rates by Company in Chula Vista, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Chula Vista, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Chula Vista, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Chula Vista, California

Insurance Company Average Annual Rates
Allstate $4,379
Farmers $4,519
GEICO $2,370
Liberty Mutual $2,724
Nationwide $4,325
Progressive $2,530
State Farm $3,932
Travelers $3,123
USAA $2,630

Other Factors Affecting Chula Vista, CA Car Insurance Rates

Before you buy Chula Vista, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Chula Vista, CA Car Theft Rates

The car theft rate in Chula Vista, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Chula Vista, California is 688 stolen cars.

Chula Vista, CA Commute Time

How does your Chula Vista, CA commute time compare with the average driver? In Chula Vista, the average commute is 30.0 minutes.

Chula Vista, CA Car Insurance Quotes

Compare Chula Vista, CA car insurance quotes from multiple companies by entering your ZIP code now.