Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Chula Vista

Our Recommended Top 17

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Chula Vista Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

141Reviewed

91Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3945 Idaho Street, San Diego, CA 92104
WebsiteLicense: 0514686

Expertise.com Rating

Review Sources

Google
4.8 (13)
Yelp
5.0 (5)

Why choose this provider?

Alcott Insurance Agency has been serving communities in Chula Vista, San Diego, and the entire Southern California area since 1958. It was built upon the values of service, loyalty, and choice which they believe are crucial elements to becoming a successful independent agency. It has since written auto insurance policies that provide collision and comprehensive coverage for vehicles. Additional coverage plans for protecting other drivers, passengers, pedestrians, and properties are also available. The agency has designed a website suitable for both desktop and mobile users.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

1096 Broadway, Chula Vista, CA 91911
WebsiteLicense: 0M08947

Expertise.com Rating

Why choose this provider?

Millan Group, Inc., caters to the car insurance needs of customers in Chula Vista. It provides policies that cover car-related damage, injuries, and financial losses. It offers insurance products that protect other drivers, passengers, pedestrians, and properties. The company aims to protect clients from lawsuits associated with car accidents. It also provides insurance coverage for traffic accidents and vandalism, as well as collisions with vehicles of uninsured drivers. Millan Group has currently served more than 150,000 customers.

  • Bundling Option

P.O. Box 9825, San Diego, CA 92169
WebsiteLicense: 0759331

Expertise.com Rating

Review Sources

Google
5.0 (65)
Facebook
4.8 (17)

Why choose this provider?

Established in San Diego in 1987, PolyInsurance.com Insurance Agency is a car insurance agency based in Chula Vista. As an independent, its agents represent several top-rated insurance carriers to allow clients to choose from different coverage options for securing protection for their vehicles, such as property, liability, and medical coverage. Other insurance solutions offered include home, renters, health, flood, and life insurance, which the agency educates clients on to help clients protect themself financially.

  • Multiple Carriers

610 West Ash Street, San Diego, CA 92101
WebsiteLicense: 0B71610

Expertise.com Rating

Review Sources

Google
4.2 (5)

Why choose this provider?

Rod Thelen is a local car insurance agent for State Farm that operates in the Chula Vista metro of San Diego County. He has extensive experience writing auto insurance policies that cover preferred and non-preferred driver classes. Special coverage plans for business travelers, rental car drivers, ridesharing drivers, and young drivers are also available. In addition, he caters to policy buyers that need various personal, business, and life insurance products.

  • Multiple Carriers

99 E San Ysidro Blvd, San Ysidro, CA 92173

Expertise.com Rating

Review Sources

Google
4.9 (42)
Yelp
4.0 (1)

Why choose this provider?

Amigo Mex Insurance is an insurance brokerage firm based in San Ysidro, California. It's part of ABIS Group, with over two decades of experience offering reliable auto insurance for drivers heading to Mexico. The firm is licensed to operate in California, Texas, and Arizona, and it specializes in protecting American and Canadian residents driving their vehicles into Mexico. Its policies are backed by reputable, financially-solid insurance companies such as AIG and CHUBB.

99 Bonita Road, Chula Vista, CA 91910
WebsiteLicense: 0L85147

Expertise.com Rating

Review Sources

Facebook
4.9 (38)
Google
4.9 (24)
Yelp
5.0 (14)

Why choose this provider?

Based in Chula Vista, Rapido Insurance provides a wide variety of car insurance products to clients residing in the local metro and its neighboring communities. Its team of insurance agents assists clients in selecting a car insurance plan that can cover different liability costs. The professionals also cater to clients with suspended licenses, previous car accident records, and DUI cases. In addition, Rapido Insurance has auto registration services that include expired registration renewal, out-of-state transfers, and VIN verification options.

  • Multiple Carriers

553 Telegraph Canyon Rd, Chula Vista, CA 91910
WebsiteLicense: 0C46096

Expertise.com Rating

Review Sources

Facebook
4.7 (20)
Google
3.7 (18)
Yelp
3.5 (14)

Why choose this provider?

Garrison Insurance Agency, established in 1973, has been providing risk management services to clients in Chula Vista and nearby areas for over five decades. The family-owned and family-operated company handles various personal protection policies, such as automobile, motorcycle, personal watercraft, fishing boat, and touring bike insurance. Additional offerings include coverage for residential properties. The company's team of agents also assists with life insurance options, including permanent and term plans. They also craft policies for commercial purposes.

2850 Womble Road, San Diego, CA 92106
WebsiteLicense: 0G13604

Expertise.com Rating

Review Sources

Yelp
5.0 (17)
Google
5.0 (16)
Facebook
5.0 (10)

Why choose this provider?

Ives Insurance Services, Inc., is an independent agency near Chula Vista that writes auto insurance policies. Its founder, Dick Ives, had worked for a traditional agency that offered only one insurance product before establishing the company in 1959 to help individuals receive more options and find insurance policies that fit their needs. Ives Insurance Services provides car insurance for personal vehicles, classic cars, motorcycles, RVs, and boats. It also writes policies for commercial vehicles, including business autos, commercial cargo, and work vans and trucks.

  • Multiple Carriers

4508 Bonita Rd, Bonita, CA 91902

Expertise.com Rating

Review Sources

Google
5.0 (36)
Facebook
5.0 (19)

Why choose this provider?

Founded in 1995, McKenna Insurance Services is an independent insurance agency located in the Chula Vista, California, metro area. Auto insurance specialists work with more than a dozen hand-selected carriers such as Progressive, Safeco Insurance, and Metlife to find drivers the right amount of coverage at a competitive rate. Core coverage areas include Liability, collision, medical, and uninsured motorist insurance with optional towing, rental car reimbursement, total vehicle replacement, and loan and lease gap protection.

884 Eastlake Pkwy Ste 1626, Chula Vista, CA 91914

Expertise.com Rating

Review Sources

Google
5.0 (107)
Yelp
4.5 (11)
Facebook
5.0 (5)

Why choose this provider?

An independent agency based in Chula Vista, Eastlake Insurance Services provides unbiased advice and support to its clients locally and throughout California. A provider of auto insurance including specialist protection for collectible cars, the agency compares their client's current coverage with the range of policies offered by their insurance suppliers. Coverage typically includes comprehensive and collision insurance, with premiums determined by the driver's age, credit, and history, as well as the type of car.

644 Broadway, Chula Vista, CA 91910
WebsiteLicense: 0J16777

Expertise.com Rating

Review Sources

Google
5.0 (25)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Be Sure Insurance Solutions is a team of independent agents serving Chula Vista and nearby locations. They offer numerous products, including auto insurance, which reimburses losses from theft and vehicle damage. It also covers property damage and bodily injuries the insured driver causes others. The risk management professionals also protect homeowners, furnishing policies that help pay for replacement and repair expenses in case the insured property is damaged or destroyed by a natural disaster. Other products include watercraft and motorcycle insurance.

  • Bundling Option

1135 Garnet Avenue, San Diego, CA 92109
WebsiteLicense: 0E50980

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
3.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Pacific Beach Insurance Services, Inc. is an insurance agency that offers products to clients in Chula Vista and the surrounding areas. Some of its offered insurance products include general liability, commercial and personal auto, homeowners, renters, business owners policy, and workers' compensation. Its commercial auto insurance policy will protect the customer by paying for physical damages, liabilities, and medical expenses. Clients may also opt to include property damages by uninsured motorists.

  • Multiple Carriers

2621 Denver Street, San Diego, CA 92110
WebsiteLicense: 1543323

Expertise.com Rating

Review Sources

Google
5.0 (30)

Why choose this provider?

Oliver Stahl is a local insurance representative for State Farm Insurance in the San Diego metro and nearby Chula Vista. Born and raised in Santa Barbara, owner and principal agent Oliver Stahl is California homegrown and is knowledgeable about local trends and needs. He specializes in home, auto, and life insurance lines and writes car insurance policies that protect vehicles, owners, and drivers from collisions, liabilities, and other physical damages.

  • Motorcyle & ATV

65 E San Ysidro Blvd, San Ysidro, CA 92173

Expertise.com Rating

Review Sources

Google
4.6 (100)
Yelp
4.5 (38)

Why choose this provider?

Sanborn's Mexico Insurance in San Ysidro, California, is an insurance company that sells auto insurance throughout the Chula Vista metro area. Founded in 1948, the company specializes in providing auto insurance for those travelling to Mexico, coverage that includes legal assistance, roadside assistance, fixed deductibles, medical payments, and liability. Sanborn's Mexico Insurance also offers medical insurance as well as the most comprehensive travel guides for Mexico's roads, providing scenic routes, hotels, restaurants, and points of interest.

350 E Street, Chula Vista, CA 91911
WebsiteLicense: 0L80848

Expertise.com Rating

Review Sources

Google
5.0 (356)
Facebook
4.8 (51)
Yelp
5.0 (10)

Why choose this provider?

Willy's Insurance Service, Inc., is a brokerage service in Chula Vista. It provides insurance policies for a variety of vehicles including cars, commercial cars, motorcycles, travel trailers, and boats. It also helps drivers fulfill SR-22 requirements to regain their licenses. Additionally, it offers homeowner and motor home insurance. The agency was voted by The Star News readers as Best of South County in 2020. Its namesake, Willy Ruiz, is a Chula Vista local. He has been in the industry since 2006.

  • Multiple Carriers

555 Broadway Ste 2018, Chula Vista, CA 91910

Expertise.com Rating

Review Sources

Google
4.8 (41)
Facebook
5.0 (17)
Yelp
4.5 (16)

Why choose this provider?

Hotwire Insurance is a brokerage firm based in Chula Vista, California, specializing primarily in auto, commercial auto, and motorcycle insurance. The company's mission is to link auto insurance buyers with reliable, affordable insurance carriers, and at the same time, help them find insurance policies that satisfy all their specific needs. The agency also assists clients with filing claims, and other coverage products under its roof include home, boat, business, and health insurance.

40 Third Avenue, Chula Vista, CA 91910
WebsiteLicense: 0I81019

Expertise.com Rating

Review Sources

Google
5.0 (106)
Yelp
5.0 (12)
Facebook
3.7 (6)

Why choose this provider?

Established in 1966, CSS Insurance Services, LLC, is a financial services provider that has been catering to individuals, families, and businesses in Chula Vista. The independent agency offers a variety of local car insurance policies, such as personal injury protection, collision, liability, medical, and uninsured coverage. Clients can also avail of additional protection, including roadside assistance and rental car coverage. The family-owned company uses the rating software system FSC Rater in helping clients look for policies that match their needs.

  • Multiple Carriers

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Chula Vista, California?

    N/A

  • What car insurance options are valid in Chula Vista to legally operate a vehicle?

    In Chula Vista, drivers can opt for a motor vehicle liability policy or deposit $35,000 with the DMV. Alternatively, a DMV-issued self-insurance certificate or a surety bond of $35,000 from a California-licensed firm is acceptable. To obtain information regarding cash deposits or self-insurance, vehicle owners should dial (916) 657-6677 and select Option 3. For surety bond providers, consulting the Department of Insurance is recommended.

  • How many vehicles can a resident of Chula Vista include in a single insurance policy?

    While the state does not impose a limit on the number of vehicles covered by an insurance policy in Chula Vista, insurance companies permit up to four drivers and four vehicles per policy. It is often more cost-effective for Chula Vista residents who own multiple automobiles to purchase a multi-vehicle insurance package rather than separate policies for each car.

  • What are the timeframes and support systems for auto insurance claims in Chula Vista?

    As per California regulations, residents in Chula Vista have a two-year window to lodge auto insurance injury claims. California also facilitates claimants with the Automobile Claims Mediation Program, a mechanism to settle disagreements without pursuing legal avenues. The state also upholds the Fair Claims Settlement Practices, ensuring a balanced approach to insurance providers and those filing claims during the entire process.

  • Does car insurance address repairs unrelated to accidents in Chula Vista?

    In Chula Vista, car insurance can address non-accident repairs if one has comprehensive coverage. This policy might handle damages from natural events or theft. However, damage resulting from poor maintenance isn't covered. It's worth noting that while insurance can cover certain non-accident repairs, car warranties also play a role but have distinct exceptions.

  • If someone else drives your car in Chula Vista and causes an accident, whose insurance cover for any damages?

    In Chula Vista, car insurance predominantly covers the vehicle, not the driver. If someone borrows your vehicle and causes an accident, your insurance will be the primary payer. However, if damages surpass your coverage limit and the driver has personal insurance, their policy may cover the remaining expenses. Hence, lending to an uninsured person poses a financial risk for the car owner.