Cheap Car Insurance in Chula Vista, California

Knowing a little more about Chula Vista can make finding cheap car insurance easier. The second largest city in the San Diego metro area next to San Diego itself, Chula Vista is a scenic, bayfront city less than 8 miles from the Mexico border in far southwest California. Home to an estimated 261,000, it is a tourist hub and also known as the “lemon capital of the world.” Its name is Spanish for “beautiful view.” Chula Vista is an eclectic mix of locals, tourist and immigrants so, below we will help you navigate living, driving and acquiring car insurance for this scenic city.

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Driving Conditions in Chula Vista

Multiple interstates run through Chula Vista, with Interstate 5 connected it to the greater Los Angeles area to the north. For real-time traffic maps that include the Chula Vista area, visit

The California Department of Transportation recommends that drivers call the Caltrans Highway Information Network at (800)427-7623 for current closures and traffic announcements.

Unique Laws in Chula Vista

A recently enacted rule within the city requires owners of RVs and trailers to buy a 24-hour permit for every day they park on a city street, or face a $100 fine for each violation. Only residents can get the permit, which means those who live in RVs or motor homes can’t park on streets in Chula Vista.

In addition, bike lanes in California should be treated as full lanes if you are turning right, meaning you cannot turn right from the car lane by crossing over the bike lane.

Chula Vista Crime Statistics

Chula Vista's most recent auto theft rate is 315.5 incidents per 100,000 people, vs. the U.S. average rate of 220.2 incidents per 100,000 people. According to, auto thefts make up about 16 percent of total crime in Chula Vista, with general theft making up the bulk, or 60 percent.

Chula Vista Safety Requirements

The California Office of Traffic Safety's "Click It or Ticket" program was designed to ensure drivers get a ticket if they or their passengers do not wear safety belts. It is also illegal to text or talk on the phone while driving. Drivers can use hands-free devices. For bicyclists, helmets are not required by law except for minor children.

Chula Vista Impaired Driving Laws

According to the California Highway Patrol, a driver who is over the age of 21 will receive a DUI charge if his or her blood alcohol level is higher than 0.08 percent. For drivers under the age of 21, the limit is 0.01 percent. Offenders may be ordered to enroll in sober driving programs. However, some first-time offenders could face up to six months in jail as well as fines and court costs. Their licenses are also immediately suspended for up to one year.

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Car Insurance Chula Vista, California Agents

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  • Cynthia Stojeba


    401 H St Ste 8a
    Chula Vista, CA 91910
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    My family and I have been with Cynthia and State Farm for 20+ years. When my family got into a really bad accident out of state, State Farm really came through. Cynthia is a very good agent and really works on your behalf.

  • Danny Patel


    345 F St Ste 160
    Chula Vista, CA 91910
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    Great agent and staff. Personable and knowledgable about current market issues. helped save us some money!

  • Joaquin Alvarez


    240 F St
    Chula Vista, CA 91910
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    Great work. We reviewed everything. The team did not try to sell me a thing. They educated me on my choices and let me decided what was best for me. I never felt pressured. I never received this type of service and knowledge from any insurance company ever, especially the online companies like Geico!! Call him: 619-425-1216. Plus rewards for referrals and they have tons of discounts. This team really knows what they are doing. Great service, great pricing, and overall an incredible personal experience with this insurance agency! They will be able to take care of all of your insurance needs.

  • Lee Meyer


    1061 Tierra Del Rey Ste 200
    Chula Vista, CA 91910
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    Lee has a highly trained staff of 6 and his team has a combined 100+ years of experience in the insurance industry. They write auto, home, life, bank, and health insurance. They'd love the opportunity to serve ALL of your needs, and I know they are really respected in the south bay/chula vista communities. Give them a call at 619-656-5020!

  • Mainline Insurance Services


    264 E St Unit B
    Chula Vista, CA 91910
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    My name is Jim Boyce and I am a BBB member. I recently did business with Mainline Insurance Services, Inc. out of Chula Vista purchasing a General Liability Policy and Workers Comp through their office. I have to say that their service was absolutely atrocious.After a nightmare getting the policy to the Contractors board, I called Mike back to complain about the whole process. It was literally a zoo of a conversation. He could not see where he had done anything wrong or less than good customer service. In fact, according to him, I am the one with the problem. I am the one being rude. I am the one with elevated expectations. I told him I thought he and his office were inept if I could get the problem handled in 30 minutes and he couldn't get it done in over a month.
    In business, our customers are everything. Mike Jones and Mainline Insurance Services, Inc. have exhibited the worst in customer service and handling a customer's problems. It's too bad because he had more than one opportunity to take care of things and chose instead to ignore me. After all, he's already paid, so what's it to him if I am hanging out here on a limb that has such a powerful impact on my business. He "did what he was supposed to do according to the policies of the CSLB" It was "their problem" and "my problem" not his.

  • American Tristar Insurance Services
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  • Amli Associates Insurance Agency
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  • Barry L St Onge
  • Bernardo Vasquez
  • Brooke Agency - Cynthia Riley
  • Bruce Anderson - East Lake Agency
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  • Candy Raya
  • Carmen Torres
  • Charles Phillips
  • Cordova Insurance Agency
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  • Donald Aragon
  • Dwight Gove Agency
  • Eastlake Insurance Services
  • Emanuel M Estrada Insurance Agency
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  • Francisco Moreno
  • Garrison & Associates Insurance Services
  • Golden Tree Insurance Services
  • Gregory Eagles
  • Guadalupe Green
  • Hoffman Hanono Insurance Services
  • Humberto Loera
  • Ileana Mondaca
  • Jorge Zayas
  • Jose Doria
  • Lawrence Bartlett
  • Linda Filgo
  • Lizbeth Farias
  • Mark G Witcher
  • Marty Aspenleiter
  • Mike Bailey
  • Millan Auto Insurance Brokerage
  • Nick Olson
  • Oasis South Insurance Services
  • Oasis South Insurance Services
  • Oscar Gonzalez
  • Patricia Ruiz
  • Preferred One Insurance Services
  • Richard Velo
  • Ross Curtis
  • Safe Services
  • Safe Services
  • Sibylle Ainslie
  • Solo Insurance Services
  • Southern State Insurance Services
  • Steven F Hovland
  • Tammy Manzano
  • Tejomay J (jim) Pathak
  • The Insurance Place
  • Vanessa Coffeen
  • Walter Harrison
  • Wilson Insurance Agency
  • Windfall Insurance Services
  • Nichole Bourgoin
  • Maryann Tonthat
  • Tyrone Varona
  • Dustin Romig
  • Garrett Ignatowski
  • Deayra Ea
  • Emma Vasser
  • Becky Orey
  • Larry Rascoe
  • Wilma Speck
  • Billie Morahan
  • Eddie Apaez
  • Rodney Owings
  • Immanuel Ashlin
  • Kayla Bockenstedt
  • Caleb Harger
  • Dec Tingler
  • Ricky Ciervo
  • Dana Bjerke
  • Devan Dencklau
  • Michelle Fanfan
  • Manuel Lorino
  • Randy Shedd
  • Evan Clyburn
  • Gladys Ollis

Auto body shops Chula Vista, California

Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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