Cheapest and Best Car Insurance in Victorville, CA (July 2024)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.