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.
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.
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.
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.
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.
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.
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.
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.
Average Annual Auto Insurance Rates
Click the section of the wheel in your price range to see options.
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Click an insurer below to visit their review page or continue to your personalized quote.
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?

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.
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?

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?

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.
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
