How Much Does Car Insurance Cost in Chula Vista?


California premiums, which are $179 greater than the national average, are recognized for being costly. Premiums also run high in the city, so if you are insuring a vehicle in Chula Vista, cutting costs is critical. We've analyzed how auto insurance rates in Chula Vista compare to costs nationwide.


AUTO INSURANCE PREMIUMS: CHULA VISTA VS. STATE/US AVERAGES
City AverageState AverageNational Average
$1,728$1,748$1,569


Chula Vista Car Insurance Premiums by Age

Among all age groups, drivers in their 60s have the smallest payments, with rates of $1,463. People in their 50s ($1,513) aren’t paying significantly more. Car insurance premiums are highest for teenage drivers, with payments that average $6,223 per year. The most significant decline in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Chula Vista start paying 60% less in premiums. While car insurance premiums for drivers in Chula Vista will continue to drop through their 60s, they should anticipate a change when they hit 70.


CHULA VISTA CAR INSURANCE PRICES BY AGE
AgeAverage Rate
Teenagers$6,223
20s$2,507
30s$1,695
40s$1,628
50s$1,513
60s$1,463
70s$1,590


Chula Vista Car Insurance by Marital Status and Gender


In Chula Vista, a lot of driver traits, including gender and marital status, can impact car insurance premiums. However, premiums for men and women tend to only deviate a bit, with women paying less. Being married can save you 4% per year compared to being single. Rates for those who are widowed are somewhat cheaper than rates for those who are single.


CHULA VISTA CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,719
Male$1,728
Single$1,728
Married$1,651
Divorced$1,728
Widowed$1,659


Chula Vista Car Insurance for High-Risk Drivers


Does your driving record show a history of accidents or violations? That may cost you in terms of car insurance rates. Drivers with a DUI or reckless driving infraction in Chula Vista need to spend nearly triple the average for the city to insure their vehicle. Being at-fault in an accident with damages exceeding $2,000 costs you an extra $1,071 per year in premiums compared to an accident with damages less than $1,000.


AVERAGE CHULA VISTA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Rate
DUI$4,909
Reckless Driving$4,909
At-fault Accident (damages less than $1,000)$1,728
At-fault Accident (damages greater than $2,000)$2,799
Speeding Ticket (16-20 mph over speed limit)$2,331


* 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.


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.

37

Rainy Days a Year

9"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Chula Vista

2
Major Highways
I-5 I-805 I-905
2
Public Transit
MTS Bus MTS Trolley

Find Local Chula Vista Agents

HUB International Insurance Services Inc.

16766 Bernardo Center Drive, Suite 115 San Diego, CA 92128

Wateridge Insurance Services

10717 Sorrento Valley Rd San Diego, CA 92121

Leavitt Insurance Agency of San Diego

3636 Nobel Dr Ste 100 San Diego, CA 92122

2

$1,339

The average Chula Vista resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

214

That's equal to 214 cups of coffee or $536 in savings

See How Much You Can Save in Chula Vista

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