In Victorville, Progressive is cheapest for both minimum and full coverage, but Farmers leads for families with teens. Matching as the best overall for value, blending price and service, Chubb is your top choice. Mercury is ranked as the most affordable option.
Cheapest and Best Car Insurance in Victorville, CA (2024)
Progressive is Victorville, California's least costly car insurer, at $471. Chubb also excels with an 82 MoneyGeek score (out of 100), making it the overall best car insurance provider.
Updated: November 19, 2024
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Cheapest and Best Car Insurance in Victorville
Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Victorville, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Victorville insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Victorville, CA, as of July 2024.
Cheapest Minimum Liability Car Insurance in Victorville
MoneyGeek found that Progressive offers the cheapest car insurance in Victorville, providing budget-friendly policies without compromising on coverage. Drivers looking to maximize savings should consider the following options:
- Progressive: $471 per year
- GEICO: $495 per year
Chubb has the most expensive minimum coverage policy in Victorville, costing $789 annually. The difference of $318 when compared to Progressive highlights the financial benefit of comparing car insurance rates.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Progressive | $471 | $39 |
GEICO | $495 | $41 |
Kemper | $518 | $43 |
Mercury | $522 | $44 |
AAA | $571 | $48 |
Farmers | $589 | $49 |
National General | $617 | $51 |
State National | $624 | $52 |
Hartford | $665 | $55 |
Capital Insurance Group | $671 | $56 |
Travelers | $677 | $56 |
Allstate | $739 | $62 |
State Farm | $760 | $63 |
Nationwide | $767 | $64 |
Chubb | $789 | $66 |
Across all cities in California, the state mandates the minimum car insurance coverages. Every motorist must comply with these established norms:
- $15,000 bodily injury per person
- $30,000 bodily injury per accident
- $5,000 property damage liability per accident
If you're insured for the legal minimum and you're at fault in an accident, your policy will cover up to $15,000 for injuries to one person and up to $30,000 for injuries to multiple people within a single accident. Should costs exceed these limits, you would be responsible for the remaining balance, paying out of pocket.
Cheapest Full Coverage Car Insurance in Victorville
Progressive is the cheapest option in Victorville with the cheapest full coverage car insurance available. The top two providers for full coverage are:
- Progressive: $1,129 per year
- GEICO: $1,326 per year
Farmers offers the most expensive full coverage policy, with annual rates at $2,200.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Progressive | $1,129 | $94 |
GEICO | $1,326 | $111 |
National General | $1,332 | $111 |
Mercury | $1,363 | $114 |
AAA | $1,377 | $115 |
Allstate | $1,423 | $119 |
Kemper | $1,440 | $120 |
State National | $1,470 | $123 |
Hartford | $1,511 | $126 |
Capital Insurance Group | $1,564 | $130 |
Nationwide | $1,845 | $154 |
Chubb | $1,875 | $156 |
State Farm | $1,925 | $160 |
Travelers | $2,112 | $176 |
Farmers | $2,200 | $183 |
A full coverage policy for Victorville residents enhances the liability coverages substantially. Where minimum coverage leaves off, this plan raises individual bodily injury liability to $100,000 per individual, accumulates $300,000 bodily injury liability per incident and allocates $100,000 towards property damage liability for every event. This level of coverage is commonly referred to as a 100/300/100 policy.
Full coverage insurance doesn't just stop at higher liability limits; it also encompasses both comprehensive and collision coverage:
Collision Insurance: This segment of your policy is designed to cover the costs of repairing your vehicle when it sustains damage from a crash, whether it collides with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.
Comprehensive Insurance: This portion addresses damage incurred by your vehicle from sources that aren't collision-related, such as theft or extreme weather conditions, natural disasters and being struck by an animal like a deer.
Securing a full coverage insurance policy is a good idea for brand-new vehicles. However, this extensive level of cover might not offer the same value for older cars where the premium increase doesn't align with the potential benefits. Making an informed decision about the right car insurance coverage means balancing costs with coverage levels.
Cheapest Car Insurance in Victorville After a Driving Offense
MoneyGeek found that when it comes to finding the cheapest company for drivers with a poor driving record in Victorville for a full coverage policy, the cheapest provider varies by offense type:
- Speeding Ticket: National General ($1,395 per year)
- At-fault accident: Capital Insurance Group ($1,838 per year)
- DUI: National General ($1,395 per year)
National General offers the most competitive rates for both speeding tickets and DUI offenses, while Capital Insurance Group offers the lowest rates after an at-fault accident. The most expensive rates for these violations were found at Nationwide, Travelers and State Farm.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
National General | $1,395 | $116 |
AAA | $1,781 | $148 |
Mercury | $1,802 | $150 |
Capital Insurance Group | $1,803 | $150 |
Kemper | $1,911 | $159 |
GEICO | $1,975 | $165 |
Allstate | $2,070 | $172 |
State National | $2,091 | $174 |
Progressive | $2,132 | $178 |
Hartford | $2,264 | $189 |
Chubb | $2,462 | $205 |
State Farm | $2,854 | $238 |
Farmers | $3,052 | $254 |
Travelers | $3,195 | $266 |
Nationwide | $3,196 | $266 |
In Victorville, insurance premiums escalate with the severity of a driving violation due to the increased risk drivers present to insurers. For instance, a driver with a speeding ticket could face an average annual rate of approximately $2,265, whereas someone with a DUI may see their rates increase to an average of $3,795.
Cheapest Car Insurance in Victorville for Teens and Their Families
MoneyGeek found that Farmers offers the most affordable full coverage car insurance in Victorville for families with male and female teenage drivers. For those searching for the cheapest car insurance for teens, the following companies provide the best rates:
- Farmers: $3,147 per year for female teens and $3,147 per year for male teens
- GEICO: $3,387 per year for female teens and $3,571 per year for male teens
These premiums are indicative of policies that combine coverage for two parents and one teen driver. Nationwide has the most expensive policy for a teen family in Victorville, with a premium of $5,503 annually for female teens.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
Farmers | $3,147 | $4,639 |
GEICO | $3,387 | $3,825 |
Progressive | $3,486 | $3,831 |
Allstate | $3,523 | $3,795 |
State Farm | $3,579 | $3,962 |
Capital Insurance Group | $3,673 | $3,587 |
Travelers | $4,127 | $3,731 |
Kemper | $4,419 | $5,899 |
Nationwide | $5,503 | $7,812 |
In Victorville, teens seeking car insurance independently face heightened premiums, averaging at $4,640 annually — significantly higher than the $3,892 average when included in a family plan. This difference is attributed to the elevated risk insurers associate with independent teen drivers, who typically lack extensive driving history and experience.
Cheapest Car Insurance in Victorville for Military Drivers
MoneyGeek found that Progressive offers the cheapest full coverage car insurance for military backgrounds in Victorville. The cheapest car insurance providers for military backgrounds in Victorville are:
- Progressive: $1,129 per year
- GEICO: $1,326 per year
USAA is also a competitive provider, with an annual premium of $1,333. USAA is tailor-made to cater to the needs of active-duty military members, offering a blend of affordability and specialized services.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Progressive | $1,129 | $94 |
GEICO | $1,326 | $111 |
National General | $1,332 | $111 |
USAA | $1,333 | $111 |
Mercury | $1,363 | $114 |
AAA | $1,377 | $115 |
Allstate | $1,423 | $119 |
Kemper | $1,440 | $120 |
State National | $1,470 | $123 |
Hartford | $1,511 | $126 |
Capital Insurance Group | $1,564 | $130 |
Nationwide | $1,845 | $154 |
Chubb | $1,875 | $156 |
State Farm | $1,925 | $160 |
Travelers | $2,112 | $176 |
Farmers | $2,200 | $183 |
How to Compare Cheap Victorville Car Insurance Quotes Online
While seeking savings on car insurance rates in Victorville, you can use MoneyGeek's car insurance calculator. Simply input parameters like age, driving history, credit score and desired coverage to receive a tailored rate estimate, saving time and effort.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 07, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance in Victorville: Overview
The ideal car insurance for you depends on factors like service, cost, coverage and other variables. MoneyGeek's analysis, utilizing differing scoring systems for each category, has identified Victorville's premier car insurance options tailored to various preferences:
- Best overall: Chubb (MoneyGeek score 82 out of 100)
- Best for service: Chubb (MoneyGeek score 94 out of 100)
- Best cheap: Mercury (MoneyGeek score 78 out of 100)
Chubb leads in both overall and service categories. Mercury, winning as the best affordable option, is perfect for those prioritizing savings without compromising on service quality.
Overall Best Car Insurance in Victorville
Chubb is the best option in Victorville for those seeking best car insurance. Customers in Victorville can consider the top two providers based on their MoneyGeek scores:
- Chubb: MoneyGeek score of 82 out of 100 ($1,875 per year)
- Capital Insurance Group: MoneyGeek score of 80 out of 100 ($1,564 per year)
Chubb offers superior customer satisfaction and claims handling.
Chubb has high scores in satisfaction and claims handling, which raises its MoneyGeek score. It offers common coverages like rental car and/or travel reimbursement. It offers some common coverages such as rental car and/or travel reimbursement and roadside assistance. Chubb also provides OEM coverage and diminished value coverage.
- Ranks first in the city for claims satisfaction
- Ranks well for key coverages offered, including OEM coverage
- Ranks twelfth in the city for cost
- Does not offer gap insurance
MoneyGeek evaluates Victorville car insurances, prioritizing customer satisfaction and cost, with claims processes, coverage options and financial health also key.
Best Car Insurance in Victorville for Customer Service
MoneyGeek found that Chubb is the best option in Victorville for car insurance focused on customer service. This recognition is solely based on customer general satisfaction, exceptional claims handling and comprehensive coverages.
- Chubb: MoneyGeek score of 94 out of 100 ($1,875 per year)
- Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,564 per year)
Chubb's overall scores reflect its commitment to not only satisfying its customers but also offering robust insurance protections.
Chubb's high MoneyGeek score is influenced by exceptional satisfaction and claims scores. Chubb provides roadside assistance and rental car and/or travel reimbursement. It also offers diminished value coverage, which is beneficial in preserving the resale value of your car following an accident. OEM coverage and antique/classic car insurance are also offered.
- Ranks second for general customer satisfaction
- Ranks first in the city for claims satisfaction
- Offers OEM coverage and common rental car/travel reimbursement
- Does not offer gap insurance
MoneyGeek ranks Victorville car insurance prioritizing customer satisfaction and effective claims processing, with coverage options and fiscal solidity also key.
Best Cheap Car Insurance Companies in Victorville
Mercury is the best option in Victorville for consumers seeking affordable car insurance without compromising on quality. The top performers in Victorville are:
- Mercury: MoneyGeek score of 78 out of 100 ($522 per year)
- Progressive: MoneyGeek score of 76 out of 100 ($471 per year)
Mercury stands out because of its excellent balance between cost and customer service. It boasts a high satisfaction and claims score, which contribute to its overall MoneyGeek rating.
Mercury's high MoneyGeek score is strongly influenced by exceptional affordability and coverage. With an average annual premium of just $522, drivers enjoy minimal costs for minimum coverage. Mercury customers enjoy savings for minimum coverage.
Drivers also benefit from discounts like an automatic payment option, teacher discounts and reasonably common incentives for installing anti-theft systems. Mercury offers the most common discounts, such as bundling, multiple car, safe driving and paperless.
- Offers common discounts like bundling and safe driving
- Offers automatic payment and teacher discounts
- Not top in the city for customer satisfaction
MoneyGeek’s Victorville car insurance rankings prioritize affordability, customer satisfaction, claims service, coverage options and insurer stability.
Average Cost of Car Insurance in Victorville
In Victorville, California, the average cost of car insurance is $1,598, according to MoneyGeek's data analysis. This figure is slightly higher than the state average for California, which hovers around $1,562. However, both the city and state figures stand below the national average premium, which is $1,781, marking a substantial state difference of -$219 from the national benchmark.
While location is a significant determinant in the cost of car insurance, it's important to recognize that other factors such as one's driving record, vehicle type, and coverage levels also play crucial roles. Location influences insurance rates due to variables like traffic density, risk of accidents, theft rates, and local laws. The MoneyGeek dataset reveals that Santa Maria has the cheapest car insurance premium at $1,106, whereas Glendale is at the apex with $2,115, demonstrating a stark difference of $1,009 within the state. This variance highlights the impact of location, with lower traffic density areas such as non-city locales typically offering even more competitive rates.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.