Cheapest Auto Insurance in Victorville, California (2024)

The average cost of full-coverage car insurance in California is $255 per month, which is similar to the average of $222 in Victorville. The city’s lower population count and, thus, lower number of traffic injuries and fatalities compared to nearby Los Angeles is one reason residents of Victorville may pay car insurance premiums near the state average.^[1]

While Victorville drivers have lower prices than California drivers in bigger cities, the city’s average premiums are higher than in cities like Modesto, San Diego, and Fresno. Here’s what you need to know about comparing quotes and getting lower rates in Victorville.

3 of the cheapest car insurance companies in Victorville

To find the right car insurance company in Victorville, it’s crucial to evaluate your individual needs and situation. Simply searching for the cheapest auto insurance policies may not suffice. Factors such as your driving history, vehicle type, and coverage preferences are important considerations when determining which insurance company can offer you the most affordable prices.^[3]

To help shop for auto insurance coverage, here’s a list of Insurify’s picks for the best car insurance companies in Victorville.

Best insurer for pay-per-mile coverage: Mile Auto

Best insurer for digital experience: Clearcover

Best insurer for full coverage: Travelers

How to get the cheapest car insurance in Victorville

Drivers on the hunt for inexpensive car insurance in Victorville can take note of these tips:

• Compare multiple quotes. The objective isn’t solely to find cheap car insurance in Victorville but to find the best policy at the best price. Since insurance companies offer different rates to drivers, it’s important to compare quotes from multiple insurers to find the one with the lowest quote. You also want to look for a company that offers good customer service and fair prices for the best coverage.

• Bundle your policies. Ask potential insurers about multi-policy discounts when combining your car insurance products with other policies, such as renters insurance or homeowners insurance. Customers can also sometimes bundle life insurance, motorcycle insurance, or business insurance with an auto insurance policy to save.

• Ask about available discounts. One of the most important things to ask a potential insurance company is what discounts it offers. Many insurance companies offer special discounts based on factors like good grades, low mileage, or having certain safety features in your vehicle. Don’t forget to ask about any other potential discounts that can further reduce your car insurance premiums.

• Focus on safe driving. By maintaining a spotless driving record, following traffic regulations, and avoiding accidents and violations, you can positively influence your insurance rates.

Find Cheap Car Insurance in Victorville

Liability rates start at $64 per month

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Cheapest liability-only car insurance in Victorville: Mile Auto

Liability-only policies are a cost-effective option for auto insurance coverage in Victorville. Liability insurance — which includes property damage liability and bodily injury liability — covers other parties’ injuries and damages after you cause an accident. Just keep in mind that this type of coverage doesn’t include your medical expenses or vehicle repairs.

Liability-only insurance in Victorville costs an average of $140 per month.

The table below shows some of the cheapest car insurance companies in Victorville for liability-only policies.

Cheapest full-coverage car insurance in Victorville: Mile Auto

While liability-only car insurance just covers damages and injuries you cause to others, full-coverage car insurance extends coverage to your vehicle damages. It typically includes comprehensive and collision insurance but can also add medical payments coverage (MedPay).

Victorville drivers pay a monthly average of $222 for full-coverage car insurance.

The table below shows the cheapest car insurance companies for full-coverage policies in Victorville.

Car insurance requirements in California

The state of California enforces a minimum car insurance requirement known as 15/30/5. These numbers translate to the following auto insurance coverages and limits:^[4]

Consider these additional coverage options to enhance your auto insurance policy and ensure greater protection:

• 

  Comprehensive coverage

  Comprehensive insurance pays for theft and damages from non-collision incidents, such as fire, vandalism, theft, falling objects, and natural disasters.

• 

  Collision coverage

  Collision insurance pays for vehicle damages resulting from collisions with other vehicles or stationary objects, regardless of fault.

• 

  Glass coverage

  This includes coverage for windshield and glass damages, with certain policies offering zero-deductible coverage for side windows, rear windows, and glass sunroofs.

• 

  Gap coverage

  Particularly valuable for financed or leased vehicles, gap insurance covers the difference between your auto loan balance and the insurance settlement in the event of a total loss.

• 

  Medical payments coverage

  Medical payments insurance covers your medical bills after an accident, even if you’re at fault.

California’s low-cost auto insurance program

The state offers California’s Low Cost Automobile insurance program (CLCA), which provides affordable options to drivers. Through this program, car insurance is available at an annual cost of $232 to $932, depending on your county.

Eligibility requirements include:

• Have a valid California driver’s license

• Meet income eligibility criteria

• Own a vehicle valued at $25,000 or less

• Minimum age of 16 years

• Maintain a good driving record or be a new driver

The program’s auto insurance coverage satisfies the state’s minimum liability requirements. But drivers can enhance their coverage with medical payments and uninsured/underinsured motorist coverage at an additional cost of $37 to $107 per year. Interested drivers can submit applications online at MyLowCostAuto.com.

Cheapest car insurance for drivers with an incident

For drivers with incidents like speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations, finding affordable car insurance is paramount. It’s crucial to understand that these incidents often result in higher insurance premiums because they indicate a higher risk of future claims.^[6]

If you have a spotty driving record but still want affordable insurance options, check out the cheapest auto insurers based on driving history below.

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Monthly rates start at $90 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Driving faster than the speed limit is risky behavior that can result in harm to you and others. For example, Victorville reported more than 100 speed-related car accident injuries and fatalities in 2020.^[1] Consequently, having a speeding ticket on your driving record is likely to result in increased auto insurance premiums, even if you don’t cause an accident.

Drivers in Victorville with a speeding ticket pay an average of $90 per month for liability coverage.

Here are the cheapest auto insurance companies in Victorville for drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

It’s common for auto insurance premiums to increase after an at-fault accident. Insurance companies increase premiums to offset the increased risk of another claim or more losses.^[6]

Liability-only coverage for Victorville drivers with an accident costs $91 per month, on average.

The table below shows the cheapest car insurance companies for Victorville drivers with an at-fault accident.

Cheapest car insurance for drivers with a DUI: Mile Auto

Driving under the influence is a serious offense that carries substantial consequences, including significantly higher car insurance premiums. Furthermore, the state may also require you to file SR-22 insurance after a DUI, indicating a higher level of risk to insurers. Insurance companies consider a DUI history as high-risk and often increase premiums accordingly.^[6]

Victorville drivers with a DUI pay a monthly average of $97 for a minimum-coverage policy.

For drivers with a DUI on their record, here are the cheapest insurance companies in Victorville.

Cheapest car insurance for seniors: Mile Auto

Age is a critical factor that affects car insurance rates, with a general trend of decreasing prices as drivers gain experience and enter their mid-30s. But around 70 years old, premiums may increase slightly due to various factors, including potential health issues and higher accident risks.^[7]

Senior drivers in Victorville pay $49 per month, on average, for a liability-only policy.

The table below shows the cheapest car insurance companies for senior drivers in Victorville.

Cheapest car insurance for teens: Mile Auto

Car insurance premiums for teenagers and young adults are typically much higher than for older drivers due to their relative inexperience on the road and increased risk factors.^[3] Teenagers can still get affordable car insurance by staying on a parent’s insurance policy. Additionally, opting for a safe and dependable vehicle with excellent safety features and maintaining good academic performance to qualify for good student discounts can further help you get low rates.

Teen drivers in Victorville pay a monthly average of $116 for liability coverage.

The table below includes some of the cheapest insurers for teens and young drivers in Victorville, based on Insurify data.

Is car insurance more expensive in Victorville?

The national average cost of full-coverage car insurance in the U.S. is $213 per month. In Victorville, drivers pay slightly higher rates for the same coverage, at $222 per month, on average.

Remember that insurance rates can vary significantly depending on your ZIP code since factors such as weather, crime, and traffic in each area affect car insurance rates.

More cities in California

Although car insurance rates in Victorville tend to be higher than in many other California cities, there are notable exceptions — other cities with more people and traffic have higher average rates.

Here’s how Victorville’s average car insurance quotes compare to other California cities.

Victorville car insurance FAQs