Compare Chula Vista, CA Car Insurance Rates (2021)

Car insurance in Chula Vista, CA averages $283 a month. Chula Vista, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Chula Vista car insurance rates, compare quotes from the top car insurance companies in Chula Vista, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Chula Vista for teen drivers is USAA
  • The cheapest car insurance company in Chula Vista is GEICO
  • The cheapest ZIP code in Chula Vista is 91915

If you need to buy Chula Vista, California car insurance, the options can be confusing. Everything you need to know about car insurance in Chula Vista, CA is right here.

You’ll find Chula Vista car insurance rates, the cheapest Chula Vista, CA car insurance companies, and information on California car insurance laws. You can also compare Chula Vista, California car insurance rates to Anaheim car insurance rates, San Jose car insurance rates, and Sacramento car insurance rates.

Ready to find affordable Chula Vista, CA car insurance today? Enter your ZIP code for fast, free Chula Vista car insurance quotes.

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

How do age, gender, and marital status affect Chula Vista, CA car insurance rates? Every Chula Vista, California car insurance company weighs these factors differently, so check out the comparison 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

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Minimum Car Insurance in Chula Vista, CA

Every driver must carry the minimum car insurance in Chula Vista, CA. Take a look at the California car insurance requirements.

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

Cheapest Chula Vista, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Chula Vista, CA to rates for a clean record with top companies.

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

Cheapest Chula Vista, CA Car Insurance for Teen Drivers

Teen car insurance in Chula Vista, CA can be expensive. Take a look at rates from the top car insurance companies in Chula Vista for teenagers.

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

Cheapest Chula Vista, CA Car Insurance for Seniors

Take a look at Chula Vista, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

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

Cheapest Chula Vista, CA Car Insurance Rates After a DUI

A DUI in Chula Vista, CA increases car insurance rates. Compare Chula Vista, California DUI car insurance by company to find the cheapest option.

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

Cheapest Chula Vista, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Chula Vista, CA by commute? Take a look at a comparison of the top companies by commute length.

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

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Cheapest Chula Vista, CA Car Insurance Rates by ZIP Code

Chula Vista car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Chula Vista, CA.

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

The Best Cheap Car Insurance Companies in Chula Vista, CA

Take a look at a side-by-side comparison of the top car insurance companies in Chula Vista, CA to find the best option for 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

Category Winners: Cheapest Car Insurance in Chula Vista, California

Find the cheapest car insurance companies in Chula Vista, CA for each category right here.

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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Cheapest Chula Vista, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Chula Vista car insurance rates. Find the cheapest Chula Vista, CA car insurance rates by coverage level.

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

What affects car insurance rates in Chula Vista, California?

What factors can have an impact on Chula Vista, CA car insurance? There are several reasons why Chula Vista car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Chula Vista, California.

Car Theft in Chula Vista

High levels of vehicle theft can make car insurance more expensive. Chula Vista, CA car theft statistics from the FBI indicate 688 vehicle thefts a year.

Commute Time in Chula Vista

The more time you spend in your car the higher the risk of an accident. The average commute length in Chula Vista, CA is 30.0 minutes according to City-Data.

Compare Car Insurance Quotes in Chula Vista, CA

Ready to find affordable Chula Vista, California car insurance today? Enter your ZIP code for fast, free Chula Vista, CA car insurance quotes.

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Average Monthly Car Insurance Rates by State