Affordable Car Insurance Rates in Chula Vista, CA (2021)
Car insurance rates in Chula Vista, CA are $283/month on average. By law, California drivers need to carry at least 15/30/5 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Chula Vista car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- 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.
Table of Contents
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.