Compare Rates and Save on Auto Insurance

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Your driving record and coverage requirements will determine which auto insurance provider is the best for you. GEICO offers the cheapest minimum coverage in Victorville, and it also offers the best cheap insurance.

Progressive provides the most affordable rates for full coverage policies. It also ranks as the best insurer in the city overall. National General offers the cheapest rates to drivers with offenses, while Farmers is the most cost-effective option for teen drivers.

USAA has the lowest-priced policies for military drivers, veterans and their families. If you place a premium on customer service over price, Chubb has the best customer service in Victorville.

MoneyGeek Logo IconCheapest + BestCar InsuranceVictorville
2023

Cheapest and Best Car Insurance in Victorville, CA

Cheapest Minimum Liability Car Insurance in Victorville

The following companies offer the cheapest minimum coverage car insurance in Victorville:

  • GEICO: $432 per year
  • Progressive: $464 per year

Chubb offers the most expensive minimum coverage rates in the city, with an average annual rate of $789 as of October 2022.

Company
Annual Premium
Monthly Premium

GEICO

$428

$36

GEICO

$432

$36

Progressive

$464

$39

Progressive

$473

$39

State Farm

$497

$41

AAA California

$498

$41

GEICO

$510

$43

Mercury

$510

$43

Kemper

$518

$43

AAA California

$520

$43

Mercury

$525

$44

Travelers

$533

$44

Travelers

$533

$44

Progressive

$553

$46

Hartford

$587

$49

Kemper

$597

$50

Travelers

$606

$51

State National

$606

$51

Farmers

$619

$52

State National

$624

$52

Nationwide

$626

$52

National General

$634

$53

AAA California

$635

$53

Farmers

$635

$53

Mercury

$646

$54

Nationwide

$649

$54

National General

$653

$54

State Farm

$657

$55

Allstate

$667

$56

Hartford

$675

$56

Allstate

$676

$56

Capital Insurance Group

$700

$58

Farmers

$721

$60

Capital Insurance Group

$724

$60

Allstate

$726

$61

State National

$733

$61

State Farm

$750

$63

National General

$783

$65

Chubb

$789

$66

Kemper

$792

$66

Capital Insurance Group

$811

$68

Nationwide

$813

$68

Chubb

$814

$68

Hartford

$885

$74

Progressive

$1,078

$90

Progressive

$1,081

$90

National General

$1,095

$91

National General

$1,110

$92

GEICO

$1,116

$93

Chubb

$1,132

$94

GEICO

$1,154

$96

AAA California

$1,175

$98

State Farm

$1,191

$99

AAA California

$1,197

$100

Allstate

$1,230

$103

Mercury

$1,233

$103

Mercury

$1,258

$105

Allstate

$1,300

$108

Progressive

$1,300

$108

Hartford

$1,316

$110

National General

$1,328

$111

GEICO

$1,335

$111

State National

$1,365

$114

Nationwide

$1,390

$116

Allstate

$1,438

$120

Capital Insurance Group

$1,439

$120

Kemper

$1,440

$120

State National

$1,470

$123

Nationwide

$1,506

$126

Travelers

$1,514

$126

Hartford

$1,516

$126

Capital Insurance Group

$1,524

$127

State Farm

$1,528

$127

AAA California

$1,573

$131

Travelers

$1,593

$133

Mercury

$1,642

$137

Farmers

$1,654

$138

Farmers

$1,697

$141

Capital Insurance Group

$1,716

$143

Kemper

$1,772

$148

State Farm

$1,785

$149

State National

$1,805

$150

Chubb

$1,875

$156

Travelers

$1,902

$159

Chubb

$1,934

$161

Nationwide

$1,951

$163

Hartford

$1,975

$165

Farmers

$2,010

$167

Kemper

$2,152

$179

Chubb

$2,758

$230

California law mandates the following minimum liability limits for bodily injury and property damage coverage in Victorville:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

A minimum coverage policy pays for damages you are responsible for following an accident, but only up to these limits. For example, if your bodily injury liability is $30,000 per accident and the total injuries for the accident cost $50,000, you will be personally responsible for the remaining $20,000.

Cheapest Full Coverage Car Insurance in Victorville

MoneyGeek found that the following companies offer the cheapest full coverage car insurance in Victorville:

  • Progressive: $1,078 per year
  • National General: $1,095 per year

Chubb offers the highest annual premiums for full coverage in the city at $1,875 as of October 2022.

Company
Annual Premium
Monthly Premium

GEICO

$428

$36

GEICO

$432

$36

Progressive

$464

$39

Progressive

$473

$39

State Farm

$497

$41

AAA California

$498

$41

GEICO

$510

$43

Mercury

$510

$43

Kemper

$518

$43

AAA California

$520

$43

Mercury

$525

$44

Travelers

$533

$44

Travelers

$533

$44

Progressive

$553

$46

Hartford

$587

$49

Kemper

$597

$50

Travelers

$606

$51

State National

$606

$51

Farmers

$619

$52

State National

$624

$52

Nationwide

$626

$52

National General

$634

$53

AAA California

$635

$53

Farmers

$635

$53

Mercury

$646

$54

Nationwide

$649

$54

National General

$653

$54

State Farm

$657

$55

Allstate

$667

$56

Hartford

$675

$56

Allstate

$676

$56

Capital Insurance Group

$700

$58

Farmers

$721

$60

Capital Insurance Group

$724

$60

Allstate

$726

$61

State National

$733

$61

State Farm

$750

$63

National General

$783

$65

Chubb

$789

$66

Kemper

$792

$66

Capital Insurance Group

$811

$68

Nationwide

$813

$68

Chubb

$814

$68

Hartford

$885

$74

Progressive

$1,078

$90

Progressive

$1,081

$90

National General

$1,095

$91

National General

$1,110

$92

GEICO

$1,116

$93

Chubb

$1,132

$94

GEICO

$1,154

$96

AAA California

$1,175

$98

State Farm

$1,191

$99

AAA California

$1,197

$100

Allstate

$1,230

$103

Mercury

$1,233

$103

Mercury

$1,258

$105

Allstate

$1,300

$108

Progressive

$1,300

$108

Hartford

$1,316

$110

National General

$1,328

$111

GEICO

$1,335

$111

State National

$1,365

$114

Nationwide

$1,390

$116

Allstate

$1,438

$120

Capital Insurance Group

$1,439

$120

Kemper

$1,440

$120

State National

$1,470

$123

Nationwide

$1,506

$126

Travelers

$1,514

$126

Hartford

$1,516

$126

Capital Insurance Group

$1,524

$127

State Farm

$1,528

$127

AAA California

$1,573

$131

Travelers

$1,593

$133

Mercury

$1,642

$137

Farmers

$1,654

$138

Farmers

$1,697

$141

Capital Insurance Group

$1,716

$143

Kemper

$1,772

$148

State Farm

$1,785

$149

State National

$1,805

$150

Chubb

$1,875

$156

Travelers

$1,902

$159

Chubb

$1,934

$161

Nationwide

$1,951

$163

Hartford

$1,975

$165

Farmers

$2,010

$167

Kemper

$2,152

$179

Chubb

$2,758

$230

Full coverage auto insurance includes both comprehensive and collision coverage, and they cover different types of damage.

  • Collision Insurance: Covers collisions with other vehicles as well as stationary objects like signs or poles.
  • Comprehensive Insurance: Covers non-collision incidents, such as having a tree branch fall on your vehicle or hitting an animal.

Full coverage policies may be preferable for drivers with newer vehicles, as they safeguard a significant investment. However, drivers with older vehicles may not find the additional cost beneficial.

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Cheapest Car Insurance in Victorville After a Driving Offense

National General offers the most affordable auto insurance in Victorville for drivers with any of the following offenses:

  • Speeding ticket: National General ($1,149 per year)
  • At-fault accident: National General ($1,623 per year)
  • DUI: National General ($1,149 per year)

Nationwide has the most expensive auto insurance premiums in the city for speeding tickets ($2,609 annually). Kemper charges the most for at-fault accidents ($3,155 annually), and The Hartford has the highest rates for DUIs ($5,533 annually). For drivers with bad driving records, even the cheapest policies will be much more expensive than insurance for a driver with a clean record.

Company
Annual Premium
Monthly Premium

GEICO

$652

$54

Mercury

$657

$55

GEICO

$659

$55

AAA California

$663

$55

National General

$669

$56

National General

$669

$56

Mercury

$676

$56

Kemper

$687

$57

National General

$691

$58

National General

$691

$58

AAA California

$694

$58

State Farm

$756

$63

GEICO

$763

$64

GEICO

$770

$64

Capital Insurance Group

$777

$65

GEICO

$779

$65

State Farm

$790

$66

AAA California

$792

$66

Kemper

$792

$66

Capital Insurance Group

$805

$67

Capital Insurance Group

$809

$67

Travelers

$819

$68

Travelers

$820

$68

Mercury

$823

$69

National General

$827

$69

National General

$827

$69

AAA California

$830

$69

Progressive

$834

$69

Mercury

$838

$70

Capital Insurance Group

$838

$70

Farmers

$843

$70

Farmers

$843

$70

Hartford

$846

$71

Mercury

$846

$71

Hartford

$846

$71

AAA California

$849

$71

Progressive

$852

$71

State National

$857

$71

State National

$857

$71

Farmers

$866

$72

Farmers

$866

$72

State National

$883

$74

State National

$883

$74

Capital Insurance Group

$903

$75

GEICO

$910

$76

Travelers

$912

$76

Travelers

$916

$76

Mercury

$917

$76

Progressive

$921

$77

Allstate

$933

$78

Travelers

$940

$78

Capital Insurance Group

$942

$79

Mercury

$943

$79

Progressive

$943

$79

Allstate

$947

$79

National General

$953

$79

Nationwide

$969

$81

National General

$983

$82

Farmers

$984

$82

Farmers

$984

$82

Hartford

$987

$82

Hartford

$987

$82

State Farm

$999

$83

Progressive

$1,004

$84

Nationwide

$1,005

$84

Progressive

$1,011

$84

AAA California

$1,016

$85

Chubb

$1,016

$85

Allstate

$1,020

$85

Progressive

$1,039

$87

Chubb

$1,040

$87

State National

$1,040

$87

State National

$1,040

$87

State Farm

$1,042

$87

Mercury

$1,047

$87

GEICO

$1,049

$87

Travelers

$1,051

$88

Farmers

$1,053

$88

Kemper

$1,054

$88

GEICO

$1,061

$88

Allstate

$1,076

$90

Nationwide

$1,079

$90

Farmers

$1,082

$90

Allstate

$1,092

$91

Travelers

$1,099

$92

Travelers

$1,100

$92

Progressive

$1,112

$93

Nationwide

$1,120

$93

State Farm

$1,141

$95

National General

$1,149

$96

National General

$1,149

$96

Kemper

$1,166

$97

Kemper

$1,166

$97

National General

$1,166

$97

National General

$1,166

$97

Mercury

$1,169

$97

Allstate

$1,180

$98

National General

$1,180

$98

State Farm

$1,191

$99

Capital Insurance Group

$1,219

$102

Progressive

$1,226

$102

Farmers

$1,228

$102

Chubb

$1,234

$103

GEICO

$1,254

$105

Chubb

$1,259

$105

Capital Insurance Group

$1,263

$105

Nationwide

$1,265

$105

Travelers

$1,269

$106

Hartford

$1,323

$110

Hartford

$1,323

$110

Chubb

$1,358

$113

National General

$1,394

$116

National General

$1,394

$116

Nationwide

$1,411

$118

Kemper

$1,415

$118

Kemper

$1,415

$118

Capital Insurance Group

$1,422

$119

AAA California

$1,518

$126

AAA California

$1,548

$129

State National

$1,549

$129

State Farm

$1,556

$130

Chubb

$1,577

$131

State National

$1,597

$133

Chubb

$1,600

$133

National General

$1,623

$135

Chubb

$1,623

$135

Mercury

$1,627

$136

National General

$1,647

$137

Capital Insurance Group

$1,649

$137

Mercury

$1,663

$139

GEICO

$1,676

$140

Capital Insurance Group

$1,687

$141

AAA California

$1,715

$143

Nationwide

$1,716

$143

GEICO

$1,732

$144

Capital Insurance Group

$1,750

$146

State Farm

$1,767

$147

Nationwide

$1,783

$149

Capital Insurance Group

$1,788

$149

AAA California

$1,788

$149

Allstate

$1,791

$149

Kemper

$1,792

$149

Kemper

$1,792

$149

AAA California

$1,798

$150

AAA California

$1,804

$150

State Farm

$1,851

$154

GEICO

$1,870

$156

State National

$1,894

$158

Allstate

$1,898

$158

Kemper

$1,911

$159

GEICO

$1,929

$161

Allstate

$1,938

$162

State National

$1,940

$162

State National

$1,940

$162

Chubb

$1,942

$162

Hartford

$1,962

$163

Hartford

$1,962

$163

Allstate

$1,971

$164

National General

$1,972

$164

Capital Insurance Group

$1,973

$164

GEICO

$2,004

$167

Capital Insurance Group

$2,018

$168

Hartford

$2,034

$170

Progressive

$2,035

$170

Mercury

$2,035

$170

AAA California

$2,038

$170

Progressive

$2,042

$170

State Farm

$2,056

$171

Mercury

$2,080

$173

State National

$2,091

$174

State National

$2,091

$174

Allstate

$2,108

$176

Allstate

$2,135

$178

Nationwide

$2,158

$180

Mercury

$2,175

$181

Mercury

$2,181

$182

AAA California

$2,210

$184

Progressive

$2,217

$185

Mercury

$2,221

$185

Allstate

$2,226

$186

Progressive

$2,230

$186

GEICO

$2,235

$186

Nationwide

$2,252

$188

State Farm

$2,269

$189

Hartford

$2,272

$189

Hartford

$2,272

$189

Farmers

$2,285

$190

Farmers

$2,285

$190

Travelers

$2,300

$192

Nationwide

$2,339

$195

State Farm

$2,348

$196

Farmers

$2,348

$196

Farmers

$2,348

$196

Kemper

$2,354

$196

Allstate

$2,370

$197

State Farm

$2,375

$198

AAA California

$2,379

$198

Nationwide

$2,405

$200

Travelers

$2,410

$201

Hartford

$2,411

$201

Chubb

$2,462

$205

Progressive

$2,465

$205

Chubb

$2,521

$210

Progressive

$2,536

$211

Progressive

$2,555

$213

Travelers

$2,562

$214

State National

$2,570

$214

State National

$2,570

$214

Capital Insurance Group

$2,580

$215

Nationwide

$2,609

$217

Allstate

$2,642

$220

State Farm

$2,649

$221

Travelers

$2,679

$223

GEICO

$2,684

$224

Progressive

$2,692

$224

Mercury

$2,720

$227

Capital Insurance Group

$2,737

$228

GEICO

$2,773

$231

State Farm

$2,774

$231

Farmers

$2,780

$232

Farmers

$2,780

$232

Farmers

$2,857

$238

Kemper

$2,860

$238

Mercury

$2,902

$242

Travelers

$2,902

$242

Farmers

$2,934

$245

Hartford

$2,989

$249

Hartford

$2,989

$249

Chubb

$3,023

$252

Nationwide

$3,039

$253

Chubb

$3,082

$257

Progressive

$3,084

$257

Capital Insurance Group

$3,090

$258

Kemper

$3,155

$263

Kemper

$3,155

$263

GEICO

$3,211

$268

Travelers

$3,211

$268

Travelers

$3,230

$269

Hartford

$3,326

$277

Chubb

$3,341

$278

Travelers

$3,377

$281

Nationwide

$3,395

$283

Farmers

$3,475

$290

State National

$3,618

$301

AAA California

$3,644

$304

State Farm

$3,657

$305

AAA California

$3,694

$308

Nationwide

$3,831

$319

State National

$3,905

$325

Chubb

$3,909

$326

Allstate

$3,923

$327

Chubb

$3,962

$330

Kemper

$3,995

$333

Kemper

$3,995

$333

Chubb

$4,022

$335

Travelers

$4,092

$341

Nationwide

$4,161

$347

Allstate

$4,174

$348

Allstate

$4,652

$388

State Farm

$4,697

$391

Kemper

$4,732

$394

Kemper

$4,732

$394

Hartford

$4,733

$394

State National

$4,816

$401

Chubb

$4,851

$404

AAA California

$4,874

$406

Nationwide

$5,431

$453

State Farm

$5,481

$457

Hartford

$5,533

$461

Hartford

$7,405

$617

The severity of your offense could dictate how much your rates increase. For instance, in Victorville, the cheapest coverage for drivers with speeding tickets is $474 less than it is for drivers with at-fault accidents. We identified the cheapest auto insurance for drivers with bad driving records.

Cheapest Car Insurance in Victorville for Teens and Their Families

The following companies provide the cheapest auto insurance in Victorville for a 16-year-old teen on a family policy:

  • Farmers: $3,147 per year for teen boys and girls
  • GEICO: $3,387 per year for teen girls
  • Progressive: $3,486 per year for teen boys

At $5,503 per year, Nationwide has the highest rates in the city for teens, regardless of gender. In many cases, teen boys pay more for auto insurance since they are more likely to be risky drivers than teen girls. That said, the difference in rates between genders drops off as teens grow into early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,497

$2,408

GEICO

$1,532

$2,465

GEICO

$1,535

$2,715

GEICO

$1,552

$2,590

GEICO

$1,570

$2,525

GEICO

$1,578

$2,791

GEICO

$1,600

$2,949

GEICO

$1,621

$2,867

Progressive

$1,676

$2,681

Progressive

$1,676

$2,681

GEICO

$1,777

$2,659

Progressive

$1,814

$2,903

Progressive

$1,814

$2,903

GEICO

$1,836

$3,037

Kemper

$1,884

$3,775

Kemper

$1,884

$3,775

Nationwide

$1,913

$3,970

Nationwide

$1,913

$3,970

Allstate

$1,932

$3,147

Allstate

$1,932

$3,147

Progressive

$1,941

$3,587

Progressive

$1,941

$3,587

Capital Insurance Group

$1,950

$2,500

Capital Insurance Group

$1,950

$2,500

Kemper

$1,989

$3,986

Kemper

$1,989

$3,986

Allstate

$2,023

$3,294

Allstate

$2,023

$3,294

Progressive

$2,033

$3,252

Progressive

$2,033

$3,252

Allstate

$2,074

$3,660

Allstate

$2,074

$3,660

Kemper

$2,094

$4,687

Kemper

$2,094

$4,687

Allstate

$2,095

$3,412

Allstate

$2,095

$3,412

Nationwide

$2,097

$4,353

Nationwide

$2,097

$4,353

Farmers

$2,155

$3,081

Farmers

$2,155

$3,081

Kemper

$2,164

$4,336

Kemper

$2,164

$4,336

Nationwide

$2,164

$4,979

Nationwide

$2,164

$4,979

Capital Insurance Group

$2,220

$2,961

Capital Insurance Group

$2,220

$2,961

Allstate

$2,223

$3,676

Allstate

$2,223

$3,676

Nationwide

$2,248

$4,666

Nationwide

$2,248

$4,666

GEICO

$2,287

$3,866

Travelers

$2,306

$3,146

Travelers

$2,306

$3,146

Capital Insurance Group

$2,310

$2,961

Capital Insurance Group

$2,310

$2,961

Capital Insurance Group

$2,310

$2,961

Capital Insurance Group

$2,310

$2,961

GEICO

$2,377

$4,459

Travelers

$2,387

$3,256

Travelers

$2,387

$3,256

Progressive

$2,408

$3,934

Progressive

$2,408

$3,934

Farmers

$2,413

$3,574

Farmers

$2,413

$3,574

Kemper

$2,425

$4,969

Kemper

$2,425

$4,969

Travelers

$2,436

$3,495

Travelers

$2,436

$3,495

State Farm

$2,471

$3,620

State Farm

$2,471

$3,620

Travelers

$2,488

$3,393

Travelers

$2,488

$3,393

Farmers

$2,499

$3,574

Farmers

$2,499

$3,574

Farmers

$2,499

$3,574

Farmers

$2,499

$3,574

GEICO

$2,502

$3,744

Nationwide

$2,533

$5,458

Nationwide

$2,533

$5,458

Allstate

$2,549

$4,686

Allstate

$2,549

$4,686

State Farm

$2,570

$3,765

State Farm

$2,570

$3,765

Capital Insurance Group

$2,578

$3,331

Capital Insurance Group

$2,578

$3,331

Allstate

$2,591

$4,285

Allstate

$2,591

$4,285

GEICO

$2,601

$4,304

State Farm

$2,615

$4,085

State Farm

$2,615

$4,085

Kemper

$2,627

$5,383

Kemper

$2,627

$5,383

State Farm

$2,630

$3,852

State Farm

$2,630

$3,852

Kemper

$2,650

$5,934

Kemper

$2,650

$5,934

Capital Insurance Group

$2,673

$3,331

Capital Insurance Group

$2,673

$3,331

Farmers

$2,699

$4,098

Farmers

$2,699

$4,098

Travelers

$2,717

$3,668

Travelers

$2,717

$3,668

State Farm

$2,802

$4,165

State Farm

$2,802

$4,165

Capital Insurance Group

$2,862

$3,699

Capital Insurance Group

$2,862

$3,699

Farmers

$2,917

$4,719

Farmers

$2,917

$4,719

Farmers

$2,944

$4,470

Farmers

$2,944

$4,470

Travelers

$2,949

$4,232

Travelers

$2,949

$4,232

State Farm

$2,975

$4,638

State Farm

$2,975

$4,638

Travelers

$2,994

$4,042

Travelers

$2,994

$4,042

Progressive

$3,002

$5,567

Progressive

$3,002

$5,567

State Farm

$3,002

$4,462

State Farm

$3,002

$4,462

Farmers

$3,071

$6,081

Farmers

$3,071

$6,081

Nationwide

$3,122

$7,546

Nationwide

$3,122

$7,546

Farmers

$3,147

$6,360

Farmers

$3,147

$6,360

Farmers

$3,157

$6,250

Farmers

$3,157

$6,250

GEICO

$3,160

$5,591

Progressive

$3,190

$5,213

Progressive

$3,190

$5,213

State Farm

$3,306

$5,881

State Farm

$3,306

$5,881

GEICO

$3,312

$6,498

Nationwide

$3,330

$7,174

Nationwide

$3,330

$7,174

GEICO

$3,387

$6,242

Allstate

$3,402

$6,738

Allstate

$3,402

$6,738

Progressive

$3,464

$7,078

Progressive

$3,464

$7,078

GEICO

$3,474

$6,147

Progressive

$3,486

$7,140

Progressive

$3,486

$7,140

Progressive

$3,500

$7,151

Progressive

$3,500

$7,151

State Farm

$3,505

$6,235

State Farm

$3,505

$6,235

Allstate

$3,523

$7,098

Allstate

$3,523

$7,098

GEICO

$3,571

$7,346

State Farm

$3,579

$6,986

State Farm

$3,579

$6,986

Allstate

$3,583

$7,098

Allstate

$3,583

$7,098

GEICO

$3,657

$7,175

Capital Insurance Group

$3,673

$4,577

Capital Insurance Group

$3,673

$4,577

Capital Insurance Group

$3,673

$4,577

Capital Insurance Group

$3,673

$4,577

Capital Insurance Group

$3,673

$4,577

Capital Insurance Group

$3,673

$4,577

Travelers

$3,941

$5,336

Travelers

$3,941

$5,336

Kemper

$3,997

$8,103

Kemper

$3,997

$8,103

Travelers

$4,117

$5,574

Travelers

$4,117

$5,574

Travelers

$4,127

$5,850

Travelers

$4,127

$5,850

Kemper

$4,379

$8,877

Kemper

$4,379

$8,877

Kemper

$4,419

$9,895

Kemper

$4,419

$9,895

Nationwide

$4,742

$10,201

Nationwide

$4,742

$10,201

Nationwide

$5,332

$11,470

Nationwide

$5,332

$11,470

Nationwide

$5,503

$13,843

Nationwide

$5,503

$13,843

The best approach to lower your insurance rates is to add a teen driver to a family policy as opposed to buying them a separate policy. In Victorville, the average annual premium for a 16-year-old teen boy on a family policy is $3,825 per year. This is $673 cheaper than buying the teen an individual policy. Comparing several auto insurance carriers and selecting the cheapest auto insurance for teens is a good way to save money.

Cheapest Car Insurance in Victorville for Military Drivers

The following companies in Victorville provide the cheapest auto insurance for military members, veterans and their families:

  • USAA: $976 per year
  • Progressive: $1,078 per year

These rates are for policies with full coverage. USAA and GEICO offer the cheapest minimum coverage insurance for military drivers at $414 and $432 per year, respectively.

Company
Annual Premium
Monthly Premium

USAA

$414

$35

USAA

$415

$35

GEICO

$428

$36

GEICO

$432

$36

Progressive

$464

$39

Progressive

$473

$39

State Farm

$497

$41

AAA California

$498

$41

USAA

$498

$42

GEICO

$510

$43

Mercury

$510

$43

Kemper

$518

$43

AAA California

$520

$43

Mercury

$525

$44

Travelers

$533

$44

Travelers

$533

$44

Progressive

$553

$46

Hartford

$587

$49

Kemper

$597

$50

Travelers

$606

$51

State National

$606

$51

Farmers

$619

$52

State National

$624

$52

Nationwide

$626

$52

National General

$634

$53

AAA California

$635

$53

Farmers

$635

$53

Mercury

$646

$54

Nationwide

$649

$54

National General

$653

$54

State Farm

$657

$55

Allstate

$667

$56

Hartford

$675

$56

Allstate

$676

$56

Capital Insurance Group

$700

$58

Farmers

$721

$60

Capital Insurance Group

$724

$60

Allstate

$726

$61

State National

$733

$61

State Farm

$750

$63

National General

$783

$65

Chubb

$789

$66

Kemper

$792

$66

Capital Insurance Group

$811

$68

Nationwide

$813

$68

Chubb

$814

$68

Hartford

$885

$74

USAA

$954

$79

USAA

$976

$81

Progressive

$1,078

$90

Progressive

$1,081

$90

National General

$1,095

$91

National General

$1,110

$92

GEICO

$1,116

$93

Chubb

$1,132

$94

GEICO

$1,154

$96

USAA

$1,166

$97

AAA California

$1,175

$98

State Farm

$1,191

$99

AAA California

$1,197

$100

Allstate

$1,230

$103

Mercury

$1,233

$103

Mercury

$1,258

$105

Allstate

$1,300

$108

Progressive

$1,300

$108

Hartford

$1,316

$110

National General

$1,328

$111

GEICO

$1,335

$111

State National

$1,365

$114

Nationwide

$1,390

$116

Allstate

$1,438

$120

Capital Insurance Group

$1,439

$120

Kemper

$1,440

$120

State National

$1,470

$123

Nationwide

$1,506

$126

Travelers

$1,514

$126

Hartford

$1,516

$126

Capital Insurance Group

$1,524

$127

State Farm

$1,528

$127

AAA California

$1,573

$131

Travelers

$1,593

$133

Mercury

$1,642

$137

Farmers

$1,654

$138

Farmers

$1,697

$141

Capital Insurance Group

$1,716

$143

Kemper

$1,772

$148

State Farm

$1,785

$149

State National

$1,805

$150

Chubb

$1,875

$156

Travelers

$1,902

$159

Chubb

$1,934

$161

Nationwide

$1,951

$163

Hartford

$1,975

$165

Farmers

$2,010

$167

Kemper

$2,152

$179

Chubb

$2,758

$230

How to Compare Cheap Victorville Car Insurance Quotes Online

It can take up to 15 minutes to enter your personal information and fill out an online quote tool. This process can be tedious and time-consuming on various auto insurance websites, especially if you’re comparing several insurers to find the best deal.

A quick quote estimate can be obtained using MoneyGeek's auto insurance calculator. Simply enter your age, car make and model, driving record and preferred coverage level to obtain the results.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Progressive

Best Car Insurance in Victorville: Summary

Consider the importance of cost, customer service and coverage type while looking for the best car insurance company in Victorville. These are the top companies in three important categories:

  • Best overall: Progressive (MoneyGeek score of 74 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score of 78 out of 100)

Note that scores differ depending on how each category is weighted. If you want a broader look at the state as a whole, you can also look into the best auto insurance in California.

With a MoneyGeek score of 85 out of 100, USAA is another good option for military drivers, veterans and their families.

Best Overall Car Insurance in Victorville

To select the best auto insurance company in Victorville, we prioritized companies that struck the optimal balance between cost and customer service. Here are our top picks:

  • Progressive: MoneyGeek score of 74 out of 100 ($1,078 per year)
  • GEICO: MoneyGeek score of 72 out of 100 ($1,154 per year)

Among 15 insurance companies, Progressive offers the most affordable rates in the city. It offers a broad range of add-on coverages. With an 85 out of 100 MoneyGeek score, USAA is an excellent choice for military-affiliated drivers.

How was this MoneyGeek score calculated?

Progressive

pros

Most affordable insurer in Victorville

Provides valuable optional coverage add-ons

Offers custom parts coverage

cons

Ranks #11 out of 15 insurers for customer satisfaction

Doesn’t offer new car replacement coverage

COMPANY HIGHLIGHTS

Even though it has an unimpressive customer satisfaction score, Progressive is the best auto insurance provider in Victorville. It provides the lowest rates and a variety of coverage add-ons, including both standard and unique options.

Progressive’s custom parts and equipment (CPE) coverage is a valuable add-on that is not offered by many other insurance companies. It can cover the cost of repairing or replacing equipment, such as a stereo, navigation system, custom wheels and even a paint job. There is normally a $5,000 limit on CPE coverage.

You can also get pet coverage with Progressive, which many competitors don’t provide. If your pet is injured in a car accident, Progressive will cover your vet bills up to your specified limits. Unlike most other insurers, Progressive actually includes pet coverage for free if you have collision insurance.

Read MoneyGeek's Progressive Auto Insurance Review

Best Car Insurance in Victorville for Customer Service

We did not consider affordability scores for this category. Instead, we focused solely on each insurer’s customer experience reputation. The following are the best auto insurance companies in Victorville for customer service:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,875 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,524 per year)

Chubb obtained the best score for claims management and the second-best rating for customer satisfaction. However, Chubb offers the most expensive plans out of 15 companies, so you will need to pay more for the best possible service.

How was this MoneyGeek score calculated?

Chubb

pros

Ranks #2 for customer satisfaction

Ranks #1 for claims management

Offers original equipment manufacturer (OEM) coverage

cons

Lacks many popular coverages

No accident forgiveness or new car replacement add-ons

COMPANY HIGHLIGHTS

Chubb received the second-highest client satisfaction scores and the highest claims management scores among the 15 insurance providers evaluated. It is the best auto insurance provider in Victorville for those who place a premium on superior customer service. However, Chubb has the most expensive insurance rate, averaging $1,875 per year for full coverage.

While Chubb provides limited add-ons, it does offer OEM coverage, which is rarely offered by other insurers. The OEM add-on establishes that your vehicle will be repaired with original parts, not aftermarket or third-party parts, ensuring that it will be restored to its original condition after a covered loss.

If your vehicle is totaled, Chubb's agreed value coverage pays the agreed-upon value of the car in the event of theft or total loss. You and the insurer decide the car’s value when you purchase your policy, and they’ll write you a check for that amount instead of its actual depreciated value.

Best Cheap Car Insurance in Victorville

The best cheap auto insurance companies in Victorville for minimum coverage are:

  • GEICO: MoneyGeek score of 78 out of 100 ($432 per year)
  • Progressive: MoneyGeek score of 74 out of 100 ($464 per year)

In general, minimum coverage insurance is affordable, but it offers limited protection in the event of an accident. Liability-only policies provide only minimal coverage for third-party bodily injuries and property damage and no coverage for your own car.

How was this MoneyGeek score calculated?

GEICO

pros

An affordable minimum coverage policy costs $432 per year

Ranks #4 for customer satisfaction

Offers rare discounts for daytime running lights and seatbelt use

cons

Ranks #8 for claims management

No paperless or pay-in-full discounts

COMPANY HIGHLIGHTS

GEICO offers the best cheap auto insurance in Victorville. Its minimum coverage policies cost around $432 per year, the lowest rate available in Victorville. GEICO also received a good score for customer satisfaction.

Many drivers can take advantage of GEICO's standard and special discounts to further reduce their premiums. Unique discounts are available to policyholders who consistently use seatbelts and add daytime running lights. You can also get specific discounts if you are a teacher, federal employee or military policyholder. Only a few competitors offer these discounts.

Standard discounts include bundling auto and home insurance, insuring multiple vehicles and maintaining a five-year accident-free record. Installing safety features like airbags, anti-lock brakes and an anti-theft system is another way to receive additional discounts. GEICO also provides discounts to those who finish a defensive driving or driver education course.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Victorville

As of October 2022, the average annual cost of auto insurance in Victorville ($1,402) is $15 higher than the average annual cost of auto insurance in California ($1,387). It is also $137 more than the national average annual cost of auto insurance ($1,265).

These rates for full coverage include bodily injury liability limits of $100,000 per accident and $300,000 per person, along with $100,000 for property damage liability. In addition to location, a number of other factors impact the cost of car insurance.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.