Chula Vista Insurance Rates:

Chula Vista, CA home insurance is approximately $532 to $719, about $44-$59/month. Our in depth research shows customers can save as much as $250 by comparing multiple quotes

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Chula Vista Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $320/3 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $690,000

4 Beds, 4 Baths 3300 sqft Seasonal Residence Constructed In 2003 with Carpet over wood flooring, Shingles Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Single Male who is a Freelancer with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $530/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $325,000

4 Beds, 4 Baths 1720 sqft Primary Residence Constructed In 2011 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $130/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $385,000

4 Beds, 4 Baths 2200 sqft Rental Property Constructed In 1961 with Hardwood Flooring, Membrane Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Divorced Female who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $680/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $395,000

3 Beds, 3 Bath 1970 sqft Rental Property Constructed In 2007 with Stone Flooring, Slate Shingles Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Divorced Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $1880/10 months for $600,000-$700,000 Coverage
Policy Holder Home Details :

Home Value : $505,000

4 Beds, 4 Baths 2197 sqft Primary Residence Constructed In 1998 with Linoleum, Metal Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Chula Vista, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
91914 $473,800 $650
91913 $405,100 $640
91915 $371,400 $630
91910 $359,200 $630
91911 $307,900 $620

Chula Vista Rates & Quotes Analysis:

Chula Vista Area Estimated House Insurance
Fallbrook Ct, Hunte Pkwy, Cll del Amor, Ocala Ct, Reed Ct, Majestad Ln, Plaza Bonita Rd, Sherwood St, Duoro Dr, Palo Alto Dr$622
Vis San Carlos, The Hill Rd, Black Walnut Ct, Port Cardiff, Zamora Ct, Encantada Ct, Boeing St, Volcano Creek Rd, Blackwood Rd, Kent St$628
Citrus Ave, Bus Center Ct, Fernwood Rd, Bellagio St, Pso la Cresta, Casa Verde Ct, Granada Way, Plz Salinas, Frontage Rd, Burdock Way$628
Fairway Ct, Cheyenne Dr, Date Ct, Ladiosa Ct, Jarron Plz, Tennis Court Ln, Rosemary Pl, Bexley Rd, Surf Shoal Pt, Plz Alonzo$655
Otis St, Monte Sereno Ave, Red Granite Rd, Robin Pl, Plz Lorenzo, Magdalena Ave, Corte de Las Piedras, San Pablo Pl, Dolan Pl, Bajo Ct$646
Ola Ct, Alameda Way, Sundance Ct, Plz Capote, Sonora Dr, Sunset Crossing Pt, Corso Di Italia, Cornell Ave, Jefferson Rd, Carolyn Vista Ln$644
Forest Lake Dr, Cmt Rinaldo, Edgehill Dr, Sky Blue St, Bonita Woods Dr, Blue Ridge Dr, Sierra Way, Loping Ln, Balboa Cir, Sandal Ln$626
Hedge Way, Bonita Rd, Greenbriar Dr, Halecrest Dr, W Naples St, Waverly Ct, Jonel Way, Doolittle Ave, Alta Rd, Redlands Pl$622
Corte Helena Ave, Orchard Hill Rd, Tamayo Dr, Challis Pl, Pinyon Ridge Dr, Rock Bluff Way, Milagrosa Cir, Myra Ave, Millan St, Bryan Point Dr$653
Plz Narisco, Martos Pl, Galveston Way, Santa Cruz Ct, Alta Loma Ct, Surfwood Ln, Cantata Dr, Miguel Trail Pl, Rue Marseilles, Starshower Ln$668

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,067 Homes (13% of total homes ) built between 1970 to 1979 in Chula Vista are paying home insurance between $1,015-$1,024. Places close to Chula Vista, CA such as Bonita, Coronado, Casa de Oro-Mount Helix are more expensive by $36, $164, $48 respectively while National City and La Presa are cheaper by $23 and $22 respectively for similar homes.
  • Bedrooms: 20,534 2 bedrooms homes (25% of total homes ) in Chula Vista are paying about $188. Areas near to Chula Vista such as Coronado, Casa de Oro-Mount Helix, Rancho San Diego are costlier by $31, $9, $6 respectively whereas National City and Imperial Beach are more economical by $4, $7 respectively for similar homes.
  • Auto Insurance Bundling: 14,744 Households (33% of all households) in Chula Vista have 3 or more vehicles available and when it is bundled with home insurance you can save $156 compared to Bonita ($162), National City ($153), La Presa ($153).
  • Senior Discounts: 18,222 seniors (more than 55 years) occupied housing units (40% of total) in Chula Vista get discounts between $93 to $95 compared to Bonita ($97), National City ($91), Imperial Beach ($93).
  • New Homes discounts: New homes such as the 43,397 homes built between 2000 to 2009 in Chula Vista can save $125 and similar new home insurance discounts in nearby towns and cities like Bonita, National City and La Presa are $129, $122 and $122 respectively.

Chula Vista Homeowners insurance Facts

  • Chula Vista, CA has 44,528 owner occupied houses which is 59.8% of all units whereas Bonita, National City and La Presa have 78.57%, 35.62% and 65.4% respectively.
  • Chula Vista, CA homeowners yearly insurance price at $626 is 0.17% of the typical house value of $366,200 which is in contrast with 0.13% in Bonita, 0.22% at National City & 0.21% in La Presa.
  • Homeowners in Chula Vista, CA pay 0.93% of their income ($60,000 to $74,999) in insurance whereas homeowners in Bonita, National City and La Presa pay 0.96%, 0.91% and 0.91% respectively.
  • Chula Vista, CA’s insurance is 2.0% of monthly housing costs of $2,575/month, for owners with a mortgage compared to 1.98% in Bonita, 2.73% at National City & 2.64% in La Presa. But, for households without a mortgage, insurance is 13.0% of costs ($401 in Chula Vista, CA) in contrast with 9.85% in Bonita, 15.27% at National City & 14.19% in La Presa.

Chula Vista, CA Home Values & Insurance rates

For example, insurance for 4,264 Homes (16.0% of total homes ) valued between $250,000 to $299,999 in Chula Vista, CA is about $469. Rates in nearby areas in such as Bonita, Coronado, Casa de Oro-Mount Helix are cheaper by $120, $273, $148 respectively while National City and La Presa are costlier by $124 and $113 respectively for similar homes.

Chula Vista, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,330 8.0% $37
$100,000 to $124,999 565 2.0% $187
$125,000 to $149,999 426 1.0% $231
$150,000 to $174,999 1,007 3.0% $275
$175,000 to $199,999 762 2.0% $319
$200,000 to $249,999 3,652 13.0% $381
$250,000 to $299,999 4,264 16.0% $469
$300,000 to $399,999 12,508 47.0% $594

Renters Insurance in Chula Vista

  • Average Renters Insurance in Chula Vista :  $144($12/month)

  • Median Gross Rent in Chula Vista :  $1,242

  • Chula Vista Renters Insurance to Median Rent Ratio:  0.97%

  • Average household size of renter-occupied unit :  3.08

Chula Vista Renters Insurance as a Percentage of Rent

Chula Vista Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 675 2.0% $786
$300 to $499 668 2.0% $1236
$500 to $749 1,356 4.0% $1911
$750 to $999 6,053 20.0% $2661
$1,000 to $1,499 10,569 36.0% $3786
$1,500 or more 9,911 33.0% $5436

Rent Affordability in Chula Vista:

Approximately 53.0% (16,130) of households are spending more than 35% of their income on gross rent in Chula Vista

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,588 5.0%
15.0 to 19.9 percent 2,460 8.0%
20.0 to 24.9 percent 3,468 11.0%
25.0 to 29.9 percent 3,444 11.0%
30.0 to 34.9 percent 2,814 9.0%
35.0 percent or more 16,130 53.0%

Chula Vista Renters Insurance Discounts:

Chula Vista Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Chula Vista, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 14,120 47.0% $14.4
2 vehicles available 9,843 32.0% $21.6
3 or more vehicles available 3,031 10.0% $28.8

Chula Vista Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 2,029 6.0% $124
60 to 64 years 1,408 4.0% $99
65 to 74 years 2,131 7.0% $80
75 years and over 1,686 5.0% $62

Protective device discount in Chula Vista Up to :  $21

Claims-free discount in Chula Vista Up to :  $28

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