How Much Does Car Insurance Cost in Chula Vista?
Chula Vista has premiums that are fairly consistent with California's average, as they are within $83 of one another. Let's compare car insurance costs in Chula Vista versus premiums across the nation.
INSURANCE PREMIUMS: CHULA VISTA VS. STATE/NATIONAL AVERAGES
|City Average||State Average||National Average|
Chula Vista Car Insurance by Marital Status and Gender
In Chula Vista, both marital status and gender have an effect on your car insurance premiums. However, premiums are barely cheaper for women than for men. Women normally pay 0.5% less than men every year for insurance. Being married can save you around $70 per year compared to being single or divorced. Rates for those who are widowed are relatively cheaper than rates for those who are single.
CHULA VISTA CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Chula Vista Car Insurance After an Accident or Moving Violation
A history of accidents and violations can cost you in terms of premiums. No one plans on being in an accident, but stuff happens, so be aware of what one can do to your rates. If you are found at-fault in an accident in Chula Vista, you can expect your yearly car insurance premiums to increase by 56%. $3,052 is the additional cost per year for drivers with a DUI or reckless driving infraction in Chula Vista, compared to the city average of $1,630.
AVERAGE CHULA VISTA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,539|
|At-fault Accident (damages greater than $2,000)||$2,539|
|Speeding Ticket (16-20 mph over speed limit)||$2,207|
Chula Vista Car Insurance by Age
Chula Vista drivers see the largest fall in premiums when they hit their 20s, as they save an average of 60% from moving out of the teenage age range. Car insurance premiums for drivers in Chula Vista continue to decrease through their 60s, but they can anticipate to pay more when they turn 70. Everyone loves to save money, and luckily for drivers in their 60s, they do just that! They have the lowest insurance premiums among any age group, with rates of $1,378 per year. People in their 50s ($1,424) have premiums that aren't much higher. With payments of $5,959 on average, teenage drivers pay the most in car insurance premiums.
CHULA VISTA CAR INSURANCE COSTS BY AGE
* Credit score is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto insurance every year.
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
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Chula Vista Car Insurance
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