Chula Vista Insurance Rates:

Chula Vista, CA homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Chula Vista, CA Discounts on HomeOwners Insurance

In Chula Vista, CA homeowners pay an average home insurance rate of $1241. Homeowners in Chula Vista can use discounts offered by different companies to reduce their rates further. To save money on your monthly payments homeowners can take advantage of discounts offered by some of the leading insurers in town like Nationwide and State Farm for a lower cost than what is currently being charged.

Home Insurance Discounts Based on Deductibles 


A newly constructed Chula Vista home can enjoy $298 off on homeowners insurance. Houses are at their lowest propensity to damage when they're new, which is why companies offer attractive discounts for these homes as well. In contrast, older houses attract higher rates of repair and maintenance costs - a cost that's reflected in the price of your homeowner’s insurance premium and leads them to be charged an additional fee. For instance Chula Vista homes older than 40 and 50 years receive an additional charge of $32 and $47, respectively, on home insurance.

Homeowners in Chula Vista can get up to $25 off their insurance premiums by installing a swimming  pool. Installing self-latching and self-closing gates around the pool also benefits your insurance rate and Insurance companies provide discounts for the same. Additionally, senior citizens receive discounts on home insurance rates so it is a perk  that a household has at least one person over 50 years old living there.Homeowners who don't smoke or live with smokers may be eligible for an additional discount from certain companies too.

Although most of the factors that determine discounts cannot be controlled by  homeowners, they can benefit most by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Chula Vista homeowners paying a high deductible of $2,500 can avail of a discount of $349.96 on homeowners insurance. Homeowners receive discounts of $293.12 and $196.82, respectively, on deductibles of $2,000 and $1,500.

Homeowners in Chula Vista who have a claims-free history with their home insurance company can receive discounts on their premiums.Homeowners with prior claims can pay more for factors such as the number and type of claims. By providing a history of zero claim, homeowners save money on their premiums in Chula Vista by $521.22 or $198.56 respectively based on two fire damage incidents or water-damage incidents they have experienced previously.

Chula Vista, CA, Best Home Insurance Companies

Homeowners in Chula Vista, California, pay an average home insurance rate ranging between $532 and $719. vHome’s comprehensive analysis reveals that Chula Vista homeowners can save up to $250 by comparing quotes from multiple home insurance providers. Below are the top 5 home insurance companies in California according to market share.


State Farm

State Farm is the most prominent company in California, occupying the major market share of 17.56%. It has written direct premiums worth $1,469,169 and earned direct premiums worth $1,405,885. A.M. Best has awarded it with a financial strength rating of A++ for its superior financial ability in granting potential claims of current Chula Vista policyholders. It holds a customer satisfaction score of 4/5 based on the feedback collected from policyholders by J.D. Power.


According to NAIC, Farmers occupies a market share of 15.97%. The total value of direct premiums written and earned by Farmers is $1,335,894 and $1,293,054, respectively. It has received a financial strength rating of A+ from A.M. Best for its superior financial ability to grant claims of current policyholders. Based on the feedback curated by J.D. Power, Farmers has a customer satisfaction score of 3/5.


CSAA follows Farmers in terms of market share, occupying 6.51% of the share. It has direct premiums written and earned with a total value of $544,788 and $527,552, respectively. CSAA has an excellent financial ability for granting potential claims, with an A rating by A.M. Best. J.D. Power has awarded CSAA with a rating of 3/5 on customer satisfaction.

Liberty Mutual

Liberty Mutual has a market share of 6.24% in California with direct premiums written worth $521,782, and direct premiums earned worth $501,655. A.M. Best rated Liberty Mutual with an A for its excellent ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Liberty Mutual received a score of 3/5 from J.D Power.


Allstate is another major player in the home insurance segment, with a market share of 5.91%. The home insurance company has direct premiums written worth $494,685, and direct premiums earned worth 488,052. Allstate has the superior financial ability in granting potential claims of current Chula Vista policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power.

Chula Vista, CA Homeowners Insurance By Home Value

Chula Vista, CA Home Value Total Homes % of Total Average Chula Vista, CA 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

Top Home Insurance Agents Near Chula Vista, CA

Home Insurance Company Near Chula Vista, CA Homeowners Insurance Agency Near Chula Vista, CA Address
Farmers Glenn Domingo Csd Csp Lutcf 3520 College Blvd Ste 105, Oceanside, CA, 92056
Allstate J. Scott Hazelrigg 997 W San Marcos Blvd Ste 103, San Marcos, CA, 92078
Allstate Jim Kelly 9600 Cuyamaca St Ste 204, Santee, CA, 92071
Farmers Kathy Reutter 1651 E Main St Ste 202, El Cajon, CA, 92021
Farmers Scot Adams 13794 Highway 8 Business, El Cajon, CA, 92021

Chula Vista, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Chula Vista, CA

Streets in Chula Vista Area Homeowners Insurance Cost
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

Chula Vista, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Chula Vista$93 to $95
National City$91
Imperial Beach$93

Chula Vista, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Bonita CDP, California $81 $108 $162
National City city, California $77 $102 $153
La Presa CDP, California $77 $102 $153

Chula Vista, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Chula Vista, CA2.0%13.0%
National City2.73%15.27%
La Presa2.64%14.19%

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

Average Cost Of Home Insurance By Company In Areas Nearby Chula Vista For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
2500001000NewHartford (Sentinel)577
300000500NewMercury Ins Group333
5000001000NewHartford (Sentinel)948
5000001000NewOregon Mutual812
1500002501-3 YearsUnigard Group446
2000005001-3 YearsIDS Property Casualty527
2500005001-3 YearsGrange641
40000010001-3 YearsAIG Prop Cas1065
40000010001-3 YearsTravelers636
40000010001-3 YearsUnigard Group792
50000010001-3 YearsFirst American Ins896
50000010001-3 YearsWawanesa871
50000025001-3 YearsCentury National859
75000025001-3 YearsAmica Mutual1309
2000005004-6 YearsUniversal North America430
50000025004-6 YearsAmica Mutual1076
1500002507-15 YearsCentury National492
2000005007-15 YearsForemost Insurance847
2500005007-15 YearsFirst American Ins721
50000010007-15 YearsAmco1363
15000050016-25 YearsFirst American Ins460
15000050016-25 YearsHorace Mann398
20000050016-25 YearsHorace Mann P & C609

Chula Vista, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Chula Vista Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,400$2,400
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,600$8,000
Net Savings to Chula Vista Home Owner from High Deductible Plan $600

Chula Vista, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Chula Vista, CA Home Replacement Value MORE than Home Value Chula Vista, CA Home Replacement Value LESS than Home Value
Replacement Value $383,000 $231,000
Insurance Premium based on Replacement Value $1,025 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $85,500 Risk Exposure from Under Insuring Coverage is $66,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $225/year

Example Chula Vista Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersState FarmAllstate
Monthly Premium 4260146
Year Built 196719962011
Home Details 4 Beds, 3 Baths2 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $300000-$350000$200000-$250000$500000-$600000
Deductible > $10,000 Deductible$500 Deductible$500 Deductible

Sample Home Insurance Rates for Chula Vista, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1979 400,000 Wood Shake Roof 2,550 4 $1000-$2500 Deductible 50 1 Wood siding yes
1992 355,000 Composition Roof 2,230 3 $500- $1000 Deductible 410 5 Stucco siding yes
2013 300,000 Shingles Roof 1,770 4 $1000-$2500 Deductible 50 1 Brick siding No
2000 380,000 Slate Shingles Roof 2,040 3 $5000 to $10,000 Deductible 580 8 Wood siding yes
1965 390,000 Metal Roof 2,380 3 $5000 to $10,000 Deductible 530 8 Fiber-Cement Siding yes
1974 260,000 Membrane Roof 1,580 3 $1000-$2500 Deductible 170 3 Vinyl siding No
2012 225,000 Metal Roof 1,510 3 $500 Deductible 900 12 Wood siding yes
1961 330,000 Slate Shingles Roof 1,580 2 $500- $1000 Deductible 220 3 Fiber-Cement Siding No
1982 320,000 Metal Roof 2,080 5 $500- $1000 Deductible 920 9 Stone Siding No
1997 240,000 Metal Roof 1,490 2 $500 Deductible 230 4 Stucco siding No
1965 290,000 Asphalt Shingles Roof 1,670 5 $1000-$2500 Deductible 650 12 Vinyl siding No
1968 305,000 Metal Roof 1,920 4 $500 Deductible 400 6 Vinyl siding yes
1997 335,000 Tile Roof 1,970 3 $500- $1000 Deductible 160 2 Stucco siding No
1983 195,000 Membrane Roof 1,310 2 $1000-$2500 Deductible 40 1 Stucco siding yes
2006 365,000 Tile Roof 1,690 2 > $10,000 Deductible 460 8 Brick siding No
2004 515,000 Membrane Roof 2,840 5 $500- $1000 Deductible 600 6 Vinyl siding yes
2008 460,000 Composition Roof 2,320 5 $5000 to $10,000 Deductible 620 8 Fiber-Cement Siding No
1995 305,000 Asphalt Shingles Roof 2,060 3 $2500-$5000 Deductible 350 9 Stone Siding yes
2004 265,000 Shingles Roof 1,380 3 $2500-$5000 Deductible 380 8 Wood siding yes
1966 580,000 Membrane Roof 2,770 5 > $10,000 Deductible 550 9 Stone Siding yes
1996 425,000 Asphalt Shingles Roof 2,260 4 $1000-$2500 Deductible 210 2 Stucco siding No
1994 270,000 Wood Shake Roof 1,620 2 $2500-$5000 Deductible 70 1 Stone Siding No
1994 735,000 Metal Roof 3,470 5 $2500-$5000 Deductible 860 6 Stucco siding No
1985 265,000 Asphalt Shingles Roof 1,730 4 > $10,000 Deductible 320 8 Brick siding No
1979 435,000 Shingles Roof 2,300 3 $2500-$5000 Deductible 260 3 Fiber-Cement Siding No
2003 690,000 Shingles Roof 3,300 4 $5000 to $10,000 Deductible 320 3 Brick siding No
2011 325,000 Wood Shake Roof 1,720 4 $1000-$2500 Deductible 530 10 Brick siding yes
1961 385,000 Membrane Roof 2,200 4 > $10,000 Deductible 130 4 Wood siding No
2007 395,000 Slate Shingles Roof 1,970 3 $1000-$2500 Deductible 680 9 Brick siding No
1998 505,000 Metal Roof 2,197 4 $5000 to $10,000 Deductible 1880 10 Wood siding yes

Latest Home Insurance Reviews

Especially those who plan to work in a city, it is much beneficial to have an affordable coverage with many deductibles and provides accident forgiveness.
Wish some of the coverage were a bit higher for household items.
Allstate home insurance is an excellent choice for most first-time home buyers and homeowners looking for specialized coverag
State Farm
I love how state farm also gives grace periods. after making a certain amount of payments, you get a month's break.
Farmer's Insurance
We would like to see their riders and options annually electronically. they may provide access online but i am not sure of this.
State Farm
Anytime I have had a problem they have been very quick to help me. I have needed to file a claim in the past and that was done with ease.
The company has a good reputation for honoring coverage for disastrous events, which usually is an issue for most other companies.
State Farm
So far, the only reason we like our company has been because of the agent. The company chose best agent for our area
State Farm
They seem to offer better coverage than most. That said, I’ve never used my insurance so it's hard to say. Hope it would be great when I’m in need of insurance coverage
I don't usually hear from them unless I contact them. This is the way that I like it because I don't like to be pestered so it works out well for me.
Stillwater Insurance Group
On the phone the communication is great. They also send me yearly paper statements that break down my policy. I like to keep these for my records.
State Farm
in this insurance company we can get very low amount of interest this is very useful for new buyers
Have not had to file a claim yet but my experience signing up was very helpful and quick during stressful home buying time.
State Farm
They meet my needs, are friendly and reliable, and they offer great value. There are agents everywhere, so when I move I'll have no trouble transferring my coverage.
They are an insurance company. I hate insurance companies. They are parasites. People make insurance mandatory in some situations so you have to pay for it.
State Farm
The staff and the back office are able to help me feel confident about using their services. They have always provided me with the proper advice given the situation.
THis company makes me feel protected, secure and appreciated. The agents are competent and very pleasant. The claim service took minimal time and trouble on my part.
I don't have anything that I dislike about the company at this time. Overall nothing but good experiences with them and I would return to them in the future for any additional insurance needs.
State Farm
cost of the insurance going up every time I make a payment

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