Cheapest Auto Insurance in Victorville, California (2025)

USAA has the cheapest car insurance in Victorville, with monthly liability rates as low as $82.

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Cheapest recent rates near Victorville, California

Drivers using Insurify have found quotes as cheap as $54/mo for liability only and $87/mo for full coverage in Victorville and other California cities.

*Quotes generated for Insurify users in and around Victorville, California within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Victorville, California within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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The average cost of full-coverage car insurance in California is $221 per month, which is similar to the average of $218 in Victorville. The Southern California 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.

Quick Facts
  • USAA, National General, and Sun Coast have the cheapest car insurance in Victorville.

  • Victorville drivers pay a yearly average of $2,622 for full-coverage car insurance.

  • California bars insurance companies for using credit history, gender, or ZIP code as insurance rating factors.

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.[2]

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

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Mile Auto8.8$108$63Pay-per-mile coverage
Clearcover7.1$137$67Digital experience
Travelers8.5$322$132Full coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

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

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.8 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$64/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$101/mo
4.1
Best choiceBased on 131 verified guest reviews and ratings
How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (46)
Walt
Verified Review
Typically, we don't use insurance and do not drive much. The fees we pay are absolutely reasonable.
Reviewed in Arizona on July 2025
Low rate plus monthly mileage fee. No other insurer gets even close to my monthly fee.
Arthur
Verified Purchase
Excellent
Reviewed in on June 2025
Good rates based on mileage!
Monica Jo
Verified Review
Inexpensive, but No Full Coverage
Reviewed in Ohio on June 2025
If you drive a lot, this isn't the insurance for you! They charge per mile.
See all Mile Auto reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Mile Auto shines for low-mileage drivers who want to pay based on their monthly mileage. Its pay-per-mile insurance structure offers substantial savings of 30% to 40% on current premiums, making it an appealing choice for people who don’t spend much time on the road.

Pros
  • Savings for drivers with low mileage

  • Doesn’t require in-car telematics device

Cons
  • Doesn’t offer a mobile app

  • Limited customizable coverage

Best insurer for digital experience: Clearcover

User Reviews
3.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$141/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$198/mo
3.4
A solid optionBased on 56 verified guest reviews and ratings
How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (38)
Jerry
Verified Review
They helped me with some relief in getting reliable car insurance coverage
Reviewed in Missouri on June 2025
Very good at helping get some insurance.
Mohammad
Verified Review
Price Increase for My Two Old Cars
Reviewed in Georgia on April 2025
The price for insuring my two old cars increased by 100%.
Ray
Verified Review
All Good
Reviewed in Maryland on December 2024
Everything is good, no problems.
See all Clearcover reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.36
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Clearcover excels at delivering personalized quotes promptly, allowing policyholders to get the coverage they need without delay. Furthermore, its AI-driven claims process is incredibly efficient, with an average filing time of just seven minutes, according to the insurer. And, Clearcover pays most claims within a week.

Pros
  • Quick claims process

  • Highly rated mobile app

Cons
  • Bundling not available

  • Limited discounts compared to other insurers

Best insurer for full coverage: Travelers

User Reviews
4.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$133/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$319/mo
4.7
Best choiceBased on 911 verified guest reviews and ratings
How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (474)
Vanessa
Verified Review
Travelers Ins. Is the Best
Reviewed in Maryland on July 2025
I don’t think you could find a better company for your auto insurance. Their staff is very efficient and cordial.
John
Verified Review
Good option
Reviewed in Massachusetts on July 2025
Good prices and coverage. Prices have increased, and the replacement costs have increased. I have a disappearing deductible, but it comes at a cost.
Robert
Verified Review
Travelers is a good company
Reviewed in California on July 2025
Solid service and coverage with fine service. Nothing to be concerned about.
See all Travelers reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Travelers’ car insurance policies cover various expenses, including car repairs, property damage, and medical bills. It has a long list of coverage options drivers can add to their policies for more protection, including new-car replacement insurance and accident forgiveness.

Pros
  • Offers gap insurance and new-car replacement

  • Multiple discounts

Cons
  • Rideshare coverage not available in California

  • Higher average quotes than competitors

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 $82 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Victorville: USAA

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 coverage could leave you on the hook for large out-of-pocket expenses in an at-fault accident.

Liability-only insurance in Victorville costs an average of $98 per month.

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

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$82
National General$92
Sun Coast$100
Root$102
Dairyland$105
Anchor$107
Mercury$112
Allstate$113
Direct Auto$116
Farmers$117
State Farm$126
Bristol West$132
Travelers$133
GEICO$134
21st Century$145
Nationwide$178
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Victorville: Anchor

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 $218 for full-coverage car insurance.

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

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Anchor$179
Root$193
USAA$198
Mercury$205
GEICO$208
Sun Coast$251
National General$268
Allstate$273
Farmers$281
State Farm$304
Bristol West$317
Direct Auto$319
Travelers$319
21st Century$348
Dairyland$361
Nationwide$429
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Victorville, California

Drivers using Insurify have found quotes as cheap as $54/mo for liability only and $87/mo for full coverage in Victorville and other California cities.

*Quotes generated for Insurify users in and around Victorville, California within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Victorville, California within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in California

Drivers in California must adhere to the state’s minimum car insurance requirements.

State lawmakers approved an increase in coverage limits, which will take effect Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all drivers need to carry:[3]

Coverage
sort ascsort desc
2024 Coverage Limits
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2025 Coverage Limits
sort ascsort desc
Bodily injury liability$15,000 per person / $30,000 per accident$30,000 per person / $60,000 per accident
Property damage liability$5,000 per accident$15,000 per accident

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays for vehicle damages resulting from collisions with other vehicles or stationary objects, regardless of fault. It also covers damage from rollover accidents and hitting potholes.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

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

How Much Car Insurance Do You Need?

How Much Car Insurance Do You Need?

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 for several years because they indicate a higher risk of future claims.[4]

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

Shop for Car Insurance in Victorville, CA

Monthly rates start at $94 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: USAA

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 a surcharge that increases your insurance premiums, even if you don’t cause an accident.

Drivers in Victorville with a speeding ticket pay an average of $99 per month for liability coverage.

Here are the cheapest liability-only quotes from auto insurance companies in Victorville for drivers with a speeding ticket.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
USAA$82$99
National General$92$111
Sun Coast$100$120
Root$102$130
Dairyland$105$127
Anchor$107$132
Mercury$112$147
Allstate$113$136
Direct Auto$116$141
Farmers$117$142
State Farm$126$151
Bristol West$132$162
Travelers$133$162
GEICO$134$167
21st Century$145$180
Nationwide$178$217
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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

It’s common for auto insurance premiums to increase for three to five years after an at-fault accident. Insurance companies increase premiums to offset the increased risk of another claim or more losses.[4]

Liability-only coverage for Victorville drivers with an accident costs $99 per month, on average.

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

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
USAA$82$99
National General$92$110
Sun Coast$100$115
Root$102$121
Dairyland$105$127
Anchor$107$133
Mercury$112$150
Allstate$113$136
Direct Auto$116$144
Farmers$117$141
State Farm$126$150
Bristol West$132$160
Travelers$133$161
GEICO$134$152
21st Century$145$178
Nationwide$178$216
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: USAA

Driving under the influence is a serious offense that carries substantial consequences, including significantly higher car insurance premiums for up to 10 years in California. 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.[4]

Victorville drivers with a DUI pay a monthly average of $128 for a minimum-coverage policy.

For drivers with a DUI on their record, here are the cheapest liability-only quotes in Victorville.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
USAA$82$128
National General$92$144
Sun Coast$100$161
Root$102$160
Dairyland$105$164
Anchor$107$157
Mercury$112$175
Allstate$113$177
Direct Auto$116$182
Farmers$117$183
State Farm$126$197
Bristol West$132$207
Travelers$133$208
GEICO$134$210
21st Century$145$227
Nationwide$178$279
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: USAA

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-20s. But around 70 years old, premiums may increase slightly due to higher accident risks.[5]

Senior drivers in Victorville pay $68 per month, on average, for a liability-only policy.

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

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Anchor$151$90
USAA$163$68
Root$165$87
GEICO$167$108
Mercury$173$95
National General$211$72
Sun Coast$224$89
Farmers$226$94
Allstate$226$94
State Farm$243$101
Direct Auto$257$93
Travelers$257$107
Bristol West$265$110
21st Century$274$114
Dairyland$300$87
Nationwide$333$138
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: USAA

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.[2] Teenagers can still get affordable car insurance by staying on a parent’s insurance policy, and if theyre younger than 18, they wont be able to get their own policy without a parent’s or guardians written consent. 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 $152 for liability coverage.

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

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Anchor$324$194
Root$343$181
USAA$368$152
GEICO$378$244
Mercury$390$213
Sun Coast$478$190
Farmers$543$226
Allstate$543$225
National General$551$189
Bristol West$577$240
State Farm$585$242
Dairyland$612$178
Direct Auto$635$231
Travelers$641$267
21st Century$647$270
Nationwide$841$349
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Is car insurance more expensive in Victorville?

The national average cost of full-coverage car insurance in the U.S. is $192 per month. In Victorville, drivers pay slightly higher rates for the same coverage, at $218 per month, on average.

Remember that insurance rates can vary significantly depending on your location 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 more congested highways have higher average rates.

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

City
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Bakersfield$202$83
Fresno$189$86
Los Angeles$335$161
Modesto$211$95
Riverside$208$97
Sacramento$231$106
San Diego$192$86
San Francisco$280$111
San Jose$211$91
Stockton$225$91
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Victorville car insurance FAQs

Learn more about how car insurance rates are increasing across the country, and check out Insurify’s answers to common questions about Victorville car insurance.

  • How much is car insurance in Victorville?

    The average cost of car insurance in Victorville is $98 per month for liability-only insurance and $218 per month for full-coverage insurance, according to Insurify data.

  • Which company has the cheapest car insurance in Victorville?

    USAA has the cheapest car insurance in Victorville, with monthly liability rates as low as $82. National General and Sun Coast also offer affordable coverage, with respective monthly liability rates of $92 and $100.

    But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.

  • What are the best car insurance companies in Victorville?

    Some of the best car insurance companies in Victorville include Clearcover, Mile Auto, and Travelers. These insurers have solid Insurify Quality (IQ) Scores and features that make buying personalized auto insurance or managing policies easy. For example, Mile Auto is a pay-per-mile car insurance company that charges policyholders based on the number of miles they drive per month.

    But the best insurer for you depends on your coverage needs and budget — compare auto insurance quotes from multiple companies to find the right choice that meets your needs.

  • How much is car insurance per month in California?

    Average California car insurance rates are $97 per month for liability only and $221 per month for full coverage.

  • Can car insurance companies use your credit score when setting rates in California?

    No. Car insurance companies can’t use your credit history when determining your premiums.[6] This means that, all other factors being equal, you won’t pay more for car insurance with bad credit than someone with good credit would.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Related articles

Sources

  1. California Office of Traffic Safety. "Crash Rankings Results."
  2. III. "What determines the price of an auto insurance policy?."
  3. California DMV. "Auto Insurance Requirements."
  4. III. "Do auto insurance premiums go up after a claim?."
  5. III. "Senior driving safety and insurance tips."
  6. Federal Trade Commission. "Credit-Based Insurance Scores: Impact on Consumers of Automobile Insurance."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Jacqueline has been a contributor at Insurify since October 2022.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.

Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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