Cheapest Auto Insurance in Chula Vista, California (2025)
USAA offers the cheapest car insurance in Chula Vista, with minimum-coverage policies as low as $70 per month.
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Written byA.M. Steinbach
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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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Reviewed byDaniel Roccato
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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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Table of contents
Drivers in Chula Vista, CA, pay an overall average of $127 per month for car insurance, which is cheaper than the California state average of $148. 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 $141. Learn how comparing car insurance rates can help Chula Vista drivers find the right policy at an affordable price.
Quick Facts
USAA, National General, and Sun Coast are the three cheapest insurers for Chula Vista drivers.
Car insurance in Chula Vista averages $174 monthly for full coverage and $80 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 | $237 | $94 | Cheap rates |
| Mile Auto | 8.8 | $108 | $63 | Low-mileage drivers |
| Mercury | 7.5 | $198 | $105 | Drivers with an accident |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 55,000 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 | 4.0 |
|---|---|
| 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. | $81/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. | $203/mo |
4.0
Best choiceBased on 28 verified guest reviews and ratings
How drivers feel about Sun Coast
Drivers appreciate the initial low prices but dislike the subsequent price increases and lack of communication for policy upgrades.
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 initial low prices but dislike the subsequent price increases and lack of communication for policy upgrades.
AI-generated from the text of verified reviews collected by Insurify
Best For
Difficult-to-insure drivers
West Coast drivers
Coverage in Mexico
Reviews (11)
Jose
Verified Review
Great Insurance Rating
Reviewed in California on July 2025
Very reasonable price. Great customer service and they listen and work with you.
Taylor
Verified Review
Rip Off
Reviewed in Arizona on March 2025
They constantly raise the rates despite no history of accidents. It's ridiculous how they keep increasing the cost.
Marylou
Verified Purchase
Surprise!
Reviewed in Utah on September 2024
Sun Coast is by far the best insurance I have found. The rates are awesome.
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 | 4.4 |
|---|---|
| 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. | 8.8 /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. | $66/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. | $107/mo |
4.4
Best choiceBased on 156 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (52)
Lionel
Verified Review
Poor
Reviewed in Colorado on October 2025
I recently filled out an insurance application and was quoted $64 a month, but I was charged a different rate of $138 a month. That's not what I signed up for. I provided my card number and everything, but I don't want you to withdraw money from my account. I want to cancel because I'm not going to pay $138 a month. I can get cheaper insurance elsewhere. Please cancel my order. I can't get a hold of you; I don't know the phone number, and when I call, it goes to different places. I do not want insurance for $138 a month when I was quoted $64. I think that's misleading. Please stop this. It's not right to change quotes, especially for senior citizens. Thank you.
Monsavier
Verified Purchase
My experience is that my base rate should stay the same and not be raised. I'm on a fixed budget.
Reviewed in on September 2025
The mile-per-minute charge is a bit much. It's not a good idea because your base rate changes every month and is adjusted according to your mileage. Your base rate should stay the same and not be raised.
James L
Verified Review
Good company
Reviewed in Georgia on September 2025
Good if you don't drive a lot of miles.
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.
2.18A.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 | 4.0 |
|---|---|
| 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. | $90/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. | $170/mo |
4.0
Best choiceBased on 569 verified guest reviews and ratings
How drivers feel about Mercury
Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.
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 attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
Reviews (298)
Marvin
Verified Review
Mercury Review
Reviewed in California on September 2025
I had a small fender bender that cost $700.00 to fix. I was required to take it to a repair shop that treated me like I didn't matter. The Mercury representative did nothing to resolve the problem, and I ended up paying out of my own pocket to have it fixed.
Dave
Verified Review
Look for Cheap Rates
Reviewed in California on September 2025
Rates keep going higher.
David
Verified Review
Excellent
Reviewed in Nevada on September 2025
Good insurance company. I just wish the rates would stop increasing. I've never had a ticket or an accident.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
596NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.95A.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 $70 per month for liability coverage
Secure. Free. Easy-to-use.
Based on 7,669+ 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: USAA
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 USAA, at $70 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: Wednesday, October 1 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $70 |
| National General | $77 |
| Sun Coast | $81 |
| Dairyland | $82 |
| Root | $88 |
| Mercury | $90 |
| Allstate | $96 |
| Farmers | $99 |
| Direct Auto | $100 |
| Anchor | $100 |
| GEICO | $100 |
| Bristol West | $106 |
| State Farm | $107 |
| Travelers | $112 |
| 21st Century | $123 |
| Nationwide | $151 |
| Chubb | $191 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
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 USAA, with quotes starting at $160 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: Wednesday, October 1 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $160 |
| Root | $161 |
| Anchor | $162 |
| Mercury | $170 |
| GEICO | $178 |
| Sun Coast | $203 |
| Allstate | $221 |
| National General | $222 |
| Farmers | $227 |
| State Farm | $245 |
| Bristol West | $250 |
| Travelers | $258 |
| Direct Auto | $267 |
| 21st Century | $281 |
| Dairyland | $287 |
| Nationwide | $347 |
| Chubb | $438 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
Recent Chula Vista, California car insurance prices for Subaru, Volvo, Jeep , and more.
*Quotes generated for Insurify users in and around Chula Vista, California within the last 10 days. Last updated on October 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 6, 2025. 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 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 6, 2025. 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.
State lawmakers approved an increase in coverage limits, which will take effect Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all drivers need to carry:
Coverage | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident | $30,000 per person / $60,000 per accident |
| Property damage liability | $5,000 per accident | $15,000 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 $83 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: USAA
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 $213 for full coverage and $98 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: Wednesday, October 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $70 | $88 |
| National General | $77 | $95 |
| Sun Coast | $81 | $99 |
| Dairyland | $82 | $101 |
| Root | $88 | $115 |
| Mercury | $90 | $124 |
| Allstate | $96 | $120 |
| Farmers | $99 | $123 |
| Direct Auto | $100 | $124 |
| Anchor | $100 | $122 |
| GEICO | $100 | $128 |
| Bristol West | $106 | $131 |
| State Farm | $107 | $132 |
| Travelers | $112 | $141 |
| 21st Century | $123 | $157 |
| Nationwide | $151 | $190 |
| Chubb | $191 | $236 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
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 $203 for full coverage and $94 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: Wednesday, October 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $70 | $86 |
| National General | $77 | $95 |
| Sun Coast | $81 | $95 |
| Dairyland | $82 | $101 |
| Root | $88 | $107 |
| Mercury | $90 | $125 |
| Allstate | $96 | $118 |
| Farmers | $99 | $122 |
| Direct Auto | $100 | $128 |
| Anchor | $100 | $122 |
| GEICO | $100 | $118 |
| Bristol West | $106 | $130 |
| State Farm | $107 | $130 |
| Travelers | $112 | $139 |
| 21st Century | $123 | $154 |
| Nationwide | $151 | $187 |
| Chubb | $191 | $234 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
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 $212 per month for full coverage and $98 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: Wednesday, October 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $70 | $93 |
| National General | $77 | $103 |
| Sun Coast | $81 | $99 |
| Dairyland | $82 | $109 |
| Root | $88 | $115 |
| Mercury | $90 | $126 |
| Allstate | $96 | $128 |
| Farmers | $99 | $132 |
| Direct Auto | $100 | $133 |
| Anchor | $100 | $137 |
| GEICO | $100 | $128 |
| Bristol West | $106 | $141 |
| State Farm | $107 | $143 |
| Travelers | $112 | $149 |
| 21st Century | $123 | $164 |
| Nationwide | $151 | $201 |
| Chubb | $191 | $255 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
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 $155 per month for full coverage and $71 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: Wednesday, October 1 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $58 | $133 |
| National General | $62 | $178 |
| Dairyland | $69 | $241 |
| Sun Coast | $72 | $181 |
| Mercury | $75 | $142 |
| Root | $76 | $139 |
| Allstate | $80 | $185 |
| Farmers | $81 | $185 |
| GEICO | $81 | $145 |
| Direct Auto | $82 | $220 |
| Anchor | $84 | $137 |
| State Farm | $86 | $198 |
| Bristol West | $90 | $211 |
| Travelers | $92 | $211 |
| 21st Century | $99 | $226 |
| Nationwide | $119 | $273 |
| Chubb | $148 | $339 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
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 $151 for minimum coverage. The table below shows the cheapest insurance options for teen drivers.
The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $131 | $299 |
| Dairyland | $139 | $485 |
| Sun Coast | $152 | $382 |
| Root | $156 | $285 |
| National General | $159 | $458 |
| Mercury | $172 | $324 |
| Anchor | $178 | $288 |
| GEICO | $183 | $326 |
| Allstate | $192 | $442 |
| Bristol West | $193 | $455 |
| Farmers | $195 | $448 |
| Direct Auto | $199 | $532 |
| State Farm | $208 | $477 |
| 21st Century | $227 | $519 |
| Travelers | $231 | $531 |
| Nationwide | $298 | $685 |
| Chubb | $406 | $930 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 — $210. And similarly sized Orlando has rates that are much higher than Chula Vista’s, averaging $224 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 | $208 | $105 |
| Berkeley | $237 | $100 |
| Fremont | $210 | $87 |
| Fresno | $182 | $84 |
| Los Angeles | $312 | $158 |
| Oakland | $243 | $102 |
| Sacramento | $216 | $104 |
| San Diego | $180 | $84 |
| San Francisco | $259 | $108 |
| San Jose | $197 | $90 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $127. That breaks down to a full-coverage average of $174 and $80 for liability-only coverage.
Who has the cheapest car insurance in Chula Vista?
USAA has the cheapest car insurance rates in Chula Vista, starting at $70 for liability coverage. Chula Vista drivers can also find cheap rates with National General and Sun Coast. National General has liability-only rates that start at $77, while Sun Coast’s cheapest rate is $81 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 $203 per month. Liability-only coverage averages $93 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 500+ 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.
A.M. has been a contributor at Insurify since December 2022.
10+ years in insurance and personal finance content
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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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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.