Compare the Cheapest Car Insurance Quotes in Victorville

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.

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The Cheapest and Best Car Insurance in Victorville

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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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.

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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

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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:


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105Cups of Coffee
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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

  • Item
    Description
  • 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
Full Coverage
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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.

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 Code
    State Minimumper year
  • 92392
    $1,429
  • 92395
    $1,430

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.

accident2 icon
Most Accidents With Fatalities37th/300
handcuffs2 icon
Most Car Thefts286th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall302nd/300
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Most Rainy Days304th/300

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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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.