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 $48 per month.
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Written byA.M. Steinbach
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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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Edited byEvelyn Pimplaskar
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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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Reviewed byDaniel Roccato
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30+ years in financial services
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.
Updated October 30, 2024
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Table of contents
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 $219. 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 $158. 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Sun Coast | N/A | $218 | $94 | Cheap rates |
| Mile Auto | 7.5 | $112 | $60 | Low-mileage drivers |
| Mercury | 8.0 | $184 | $98 | Drivers 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 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.
Best insurer for Cheap rates: Sun Coast
| User Reviews | 3.8 |
|---|---|
| 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. | 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 |
3.8
A solid optionBased on 19 verified guest reviews and ratings
How drivers feel about Sun Coast
Drivers appreciate the payment options and knowledgable adjusters but dislike the expensive premiums and unavailable customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Difficult-to-insure drivers
West Coast drivers
Coverage in Mexico
How drivers feel about Sun Coast
Drivers appreciate the payment options and knowledgable adjusters but dislike the expensive premiums and unavailable customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Difficult-to-insure drivers
West Coast drivers
Coverage in Mexico
Reviews (9)
Marylou
September 9, 2024
Verified Purchase
Surprise!
Sun Coast is by far the best insurance I have found. The rates are awesome.
Patricia
August 14, 2024
Verified Review
Great so far
Excellent
Tiffany
August 12, 2024
Verified Purchase
Unpleasant Experience
The experience was terrible. I was quoted a price but wasn't informed that I needed to submit proof of my degree. I wasn't given any time to submit it before my rate was increased. My payment didn't come out of my direct deposit on time due to their mistake, which resulted in an increased rate. I'm on a fixed income, so this was a terrible experience. Now, I have no insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
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
Cons
Fewer online user reviews than many competitors
Available in only 11 states
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.1 |
|---|---|
| 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. | 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 |
4.1
Best choiceBased on 50 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
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
Best insurer for drivers with an accident: Mercury
| User Reviews | 3.6 |
|---|---|
| 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. | 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 |
3.6
A solid optionBased on 467 verified guest reviews and ratings
How drivers feel about Mercury
Drivers appreciate the exceptional service, fair prices, and attentive support, but some find the premiums can increase unexpectedly.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
How drivers feel about Mercury
Drivers appreciate the exceptional service, fair prices, and attentive support, but some find the premiums can increase unexpectedly.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
Reviews (257)
Oscar
October 28, 2024
Verified Review
Excellent
Best price I have seen.
Marla
October 28, 2024
Verified Review
Sometimes confusing
It's difficult when all communication has to be done online.
Robert
October 28, 2024
Verified Review
Low Rates
I've been with them for 3 years and I still haven't received the policy. The good thing is that it's only $160.00 for 2 vehicles with full coverage and towing.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.48A.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).
AWhy we picked this company
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
Find Cheap Car Insurance in Chula Vista, CA
Rates start as low as $48 per month for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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.
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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 $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: Sunday, September 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: Sunday, September 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.
Cheapest recent rates near Chula Vista, California
Drivers using Insurify have found quotes as cheap as $51/mo for liability only and $67/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 October 30, 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 October 30, 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 October 30, 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 October 30, 2024. 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 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 $59 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 $286 for full coverage and $161 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Mile Auto | $48 | $62 |
| Sun Coast | $60 | $79 |
| Mercury | $76 | $102 |
| Anchor | $81 | $101 |
| USAA | $94 | $117 |
| National General | $106 | $133 |
| GEICO | $124 | $155 |
| Direct Auto | $125 | $156 |
| Allstate | $129 | $161 |
| Farmers | $132 | $164 |
| State Farm | $144 | $178 |
| Travelers | $151 | $190 |
| 21st Century | $164 | $212 |
| Bristol West | $180 | $225 |
| Nationwide | $202 | $254 |
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 $265 for full coverage and $149 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Mile Auto | $48 | $63 |
| Sun Coast | $60 | $73 |
| Mercury | $76 | $101 |
| Anchor | $81 | $108 |
| USAA | $94 | $116 |
| National General | $106 | $132 |
| GEICO | $124 | $154 |
| Direct Auto | $125 | $158 |
| Allstate | $129 | $160 |
| Farmers | $132 | $163 |
| State Farm | $144 | $177 |
| Travelers | $151 | $188 |
| 21st Century | $164 | $209 |
| Bristol West | $180 | $221 |
| Nationwide | $202 | $252 |
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 $309 per month for full coverage and $174 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Mile Auto | $48 | $74 |
| Sun Coast | $60 | $85 |
| Mercury | $76 | $106 |
| Anchor | $81 | $111 |
| USAA | $94 | $144 |
| National General | $106 | $162 |
| GEICO | $124 | $190 |
| Direct Auto | $125 | $192 |
| Allstate | $129 | $198 |
| Farmers | $132 | $202 |
| State Farm | $144 | $221 |
| Travelers | $151 | $231 |
| 21st Century | $164 | $251 |
| Bristol West | $180 | $276 |
| Nationwide | $202 | $310 |
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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Mile Auto | $38 | $71 |
| Sun Coast | $53 | $158 |
| Mercury | $61 | $114 |
| Anchor | $65 | $151 |
| USAA | $78 | $161 |
| National General | $85 | $206 |
| Direct Auto | $102 | $240 |
| GEICO | $103 | $213 |
| Farmers | $107 | $222 |
| Allstate | $108 | $222 |
| State Farm | $117 | $241 |
| 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 $328 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Mile Auto | $87 | $164 |
| Sun Coast | $90 | $267 |
| Mercury | $127 | $236 |
| Anchor | $129 | $300 |
| USAA | $146 | $299 |
| GEICO | $182 | $377 |
| National General | $196 | $476 |
| Allstate | $212 | $438 |
| Direct Auto | $213 | $502 |
| Farmers | $215 | $446 |
| State Farm | $228 | $471 |
| Travelers | $254 | $524 |
| 21st Century | $257 | $531 |
| Bristol West | $283 | $528 |
| Nationwide | $325 | $672 |
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.
City ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Anaheim | $302 | $148 |
| Berkeley | $249 | $134 |
| Fremont | $312 | $134 |
| Fresno | $252 | $128 |
| Los Angeles | $369 | $203 |
| Oakland | $309 | $155 |
| Sacramento | $310 | $140 |
| San Diego | $252 | $120 |
| San Francisco | $338 | $150 |
| San Jose | $276 | $128 |
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 $296 per month. Liability-only coverage averages $142 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
- 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.
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Sources
- City of Chula Vista Police Department. "Traffic Collisions."
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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.
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