In Victorville, the average cost of car insurance is $1,430 yearly, which is 0.1% more than the state average. The cheapest car insurance company in Victorville is Progressive, at roughly $1,115 yearly. MoneyGeek analyzed the cheapest providers by coverage amount and driving history. If you are looking for quality coverage and affordability, MoneyGeek also found the best car insurance in Victorville.
bestauto insuranceVictorville2021The Cheapest and Best Car Insurance in Victorville
Cheapest Overall - Progressive
Best Overall - Auto Club of Southern California Insurance Group
Cheapest State Minimum - USAA
Cheapest With a Driving Violation - Esurance
The Cheapest Car Insurance Companies in Victorville
On average, the most affordable car insurance companies in Victorville for a full coverage policy are:
- Progressive: $1,115 per year
- Esurance: $1,121 per year
Compared to the most expensive option, Allied, which costs $1,827 yearly, Progressive, the cheapest option, is 63.9% cheaper. If you want to find the best rates in Victorville, it is important to compare car insurance quotes from different insurers.
In this study, MoneyGeek used quotes for a 40-year old male driver with a full coverage policy with liability insurance and comprehensive coverage to cover yourself and your vehicle.
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- CompanyAmountper year
- 1.$1,115
- 2.$1,121
- 3.$1,128
- 4.$1,223
- 5.$1,241
Average Cost of Car Insurance in Victorville
Victorville$1,430
California$1,429
U.S.$1,424
Drivers in Victorville pay an average of $1430 yearly for car insurance. This rate is on par with the state average of $1,429 per year and the national average of $1,424 annually. With a difference of less than one percent, average car insurance rates in Victorville are slightly higher than the state and national averages. Find the average car insurance costs for your state by comparing quotes online.
The Best Car Insurance Companies in Victorville
If you want to find the best coverage and prices, MoneyGeek found that the best car insurance companies in Victorville are:
- Auto Club of Southern California Insurance Group: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
For current and former military members, USAA, which scored 100 out of 100, is the best option.
We ranked the best car insurance companies in Victorville based on their affordability, customer satisfaction ratings and financial stability.
1
USAA
Score:100
2
Auto Club of Southern California Insurance Group
Score:90
3
GEICO
Score:90
4
Wawanesa
Score:88
5
State Farm
Score:88
6
Ameriprise
Score:85
7
Hartford
Score:85
8
Progressive
Score:83
9
Allstate
Score:83
10
Safeco
Score:80
11
CSAA
Score:78
12
Liberty Mutual
Score:78
13
Farmers
Score:78
14
Mercury
Score:78
15
Nationwide
Score:75
16
Kemper
Score:70
Personalized Quotes to Get You the Cheapest Car Insurance in Victorville
A customized quote helps you get the actual insurance cost for your profile by factoring in details such as your ZIP code, age and driving record. Personalized quotes are also the best way to find out if you qualify for discounts, so it is important to get them frequently and compare quotes from different companies.
Shopping around for car insurance in Victorville could save you $315, which is enough to buy:
105Cups of Coffee
24Months of Your Favorite Streaming Service
Cheapest Car Insurance in Victorville by Coverage Amount
States usually set minimums for the insurance that drivers need to have. Additionally, the amount of coverage you purchase helps determine your car insurance premiums. In Victorville, if you pick a state minimum liability-only policy, the cost is roughly $662 per year. This is about $768 lower than a full coverage policy, which costs $1,430 yearly.
California Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
For most drivers in Victorville, a state minimum liability-only policy from Progressive, the cheapest car insurance option for this type of policy, costs an average of $477. Increasing the limits to a liability-only policy with 50/100/50 in coverage costs $668 yearly.
Full coverage policies provide better coverage for you and your assets. For a 50/100/50 policy providing medical expenses of $50,000 per person, $100,000 per vehicle and $50,000 for damage to your car, the average cost is $1,003 with Progressive. For an additional $12 yearly, you can increase your full coverage limits from 50/100/50 to 100/300/100.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$458$597
- 2.$477$668
- 3.$584$707
- 4.$549$669
- 5.$538$747
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$1,061$1,128
- 2.$1,003$1,115
- 3.$1,071$1,121
- 4.$1,124$1,241
- 5.$1,169$1,295
Cheapest Car Insurance in Victorville if You Have Driving Violations
For drivers in Victorville with driving violations, the cost of car insurance can be higher compared to drivers with clean records. This is because drivers with violations are riskier to insure.
The cheapest insurance for drivers with violations, Esurance, will charge drivers with speeding tickets about $301 more yearly, while a driver with a DUI will pay an average of $1,674 more yearly. Drivers with at-fault accidents on their records pay roughly $645 more annually. In contrast, a driver with a clean driving record will only pay an average of $1,121.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$1,422$1,766$2,795
- 2.$1,233$1,966$3,190
- 3.$2,137$2,330$2,688
- 4.$1,917$2,538$2,397
- 5.$1,914$2,182$3,063
Average Cost of Car Insurance by Postal Code
Depending on the frequency of traffic accidents in your area and incidents such as car thefts, you may pay more for car insurance based on your ZIP code.
In Victorville, there is almost no disparity in car insurance rates in different ZIP codes, with only a $1 difference between the cheapest and most expensive ones. To find the cheapest companies for different coverages and driver profiles, you can compare quotes online.
- Zip CodeState Minimumper year
- 92392$1,429
- 92395$1,430
Insurance Providers That Serve Victorville
Factors That Impact Insurance Costs in Victorville
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Victorville. How Victorville ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Victorville are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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