How much does auto insurance cost in Chula Vista?
The typical Chula Vista driver pays $1,705 per year for auto insurance. That's less than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Our guide to Chula Vista car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
CHULA VISTA CAR INSURANCE RATES
|Chula Vista Average (annual)||California Average||National Average|
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Chula Vista car insurance rates by insurer
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, GEICO offers Chula Vista's most affordable premiums. See below the best companies for cheap auto insurance in Chula Vista — but don't forget to get personalized car insurance quotes to match your driving profile.
CHULA VISTA AUTO INSURANCE RATES BY COMPANY
|Insurance Company||Average Yearly Rate|
Chula Vista auto insurance rates by age
The age group that enjoys the lowest auto insurance rates in Chula Vista are drivers in their 60s, who pay an average of $1,499per year. Drivers in their 50s pay marginally higher rates — $1,518 per year.
Teenage drivers pay Chula Vista's most expensive car insurance rates. When Chula Vista drivers hit their 20s, their insurance rates drop substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Chula Vista is $3,658. That's the biggest gap in premiums between any pair of age brackets.
CHULA VISTA AUTO INSURANCE COSTS BY AGE
|Age bracket||Average Annual Rate|
Chula Vista auto insurance rates by gender and marital status
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Chula Vista pay $72 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Chula Vista, single drivers pay more than those who are widowed.
Another component of auto insurance pricing is gender. Chula Vista's car insurance cost gap by gender is $5 per year, with male drivers paying more than female drivers.
CHULA VISTA CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Annual Rate|
Chula Vista car insurance costs by violation history
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most costly citations to receive are DUI and reckless driving. Chula Vista drivers found guilty of reckless driving face insurance rate increases of $3,007 per year, compared to the citywide average. A DUI violation may lead to a $2,926 increase, while a citation for speeding leads to a $692 rate hike.
AVERAGE CHULA VISTA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,711|
|At-fault Accident (damages greater than $2,000)||$2,972|
|Speeding Ticket (16-20 mph over speed limit)||$2,397|
Chula Vista car insurance rates by credit score
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Chula Vista drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 0% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Chula Vista, improving your credit to "Fair" could help you earn a $0 decrease in yearly insurance premiums.
CHULA VISTA CAR INSURANCE RATES BY CREDIT TIER
|Credit Score||Average Annual Rate|
What drives up car insurance rates in Chula Vista?
Where you live in Chula Vista affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Chula Vista is no exception to the rule. From ZIP code 91915 to 91911, premiums rise by 6 percent—that’s $80.
Expensive Chula Vista ZIP codes: 91910, 91913, 91911
Cheap Chula Vista ZIP codes: 91915, 91914, 91910
Chula Vista Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Chula Vista, you can expect 37 rainy days with an annual rainfall of 9 inches. Chula Vista is also known to experience earthquakes and wildfires.
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