The average cost of full-coverage car insurance in California is $258 per month, which is similar to the average of $261 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 enjoy 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 getting lower rates in Victorville.

Quick Facts

The average cost of liability insurance in Victorville is $142 a month, which is 14% higher than the state average.
Victorville reported more than 600 fatalities and injuries from car accidents in 2020.^[1]
Insurance companies in California can’t use your credit score to determine premiums.^[2]

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Best 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

Pay-Per-Mile CoverageMile Auto

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3.4
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
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.	$65/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.	$118/mo

Overview

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 and cons

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

digital experienceClearcover

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3.1
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
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.	$129/mo

Overview

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

Pros and cons

Pros

Quick claims process
Highly rated mobile app

Cons

Bundling not available
Limited discounts compared to other insurers

Reviews

I filed a claim with Clearcover last year, and they haven't paid it. Now my policy has gone up by $40 per month.

Catherine - January 14, 2023

Verified

Great service, low price, very helpful staff

Jack - September 12, 2022

Verified

The price was right, but only lasted for six months

Kelvin - September 3, 2022

Verified

Read our Clearcover review

Best insurer for full coverage: Travelers

full coverageTravelers

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	829
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.	$140/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.	$206/mo

Overview

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 and cons

Pros

Offers gap insurance and new-car replacement
Multiple discounts

Cons

Rideshare coverage not available in California
Higher average quotes than competitors

Reviews

They have the lowest rates I could find.

Elise - September 11, 2023

Verified

They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.

Albert - September 6, 2023

Verified

Good service.

Jorge - September 4, 2023

Verified

Read our Travelers review

Cheapest liability-only car insurance in Victorville

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.

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Clearcover	64
Mile Auto	65
Sun Coast	70
Infinity	77
Mercury	80
Anchor	84
USAA	87
Safeco	99
Kemper	100
National General	107
Dairyland	113
GEICO	116
Allstate	120
Farmers	123
State Farm	133
Bristol West	135
Travelers	140
21st Century	153
Chubb	238

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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).

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

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Mile Auto	118
Clearcover	129
Mercury	142
Sun Coast	142
Infinity	150
Anchor	170
Safeco	170
USAA	174
Kemper	193
Travelers	206
National General	217
GEICO	232
Allstate	240
Farmers	247
Dairyland	261
State Farm	267
Bristol West	279
21st Century	306
Chubb	477

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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]

Coverage	Minimum Requirements
Bodily injury liability	$15,000 per person $30,000 per accident
Property damage liability	$5,000 per accident

Important Information

California liability limits will increase on Jan. 1, 2025, to 30/60/15. This translates to $30,000 per person and $60,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.^[5]

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

Comprehensive coverage

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

Collision coverage

This 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

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

How Much Car Insurance Do You Need? (2023)

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:

Having a valid California driver’s license
Meeting income eligibility criteria
Ownership of a vehicle valued at $25,000 or less
Minimum age of 16 years
Maintaining a good driving record or being a new driver

The program’s auto insurance coverage satisfies the state’s minimum liability requirements. However, 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.

Compare Cheap Quotes in Victorville, CA

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Cheapest car insurance for drivers with a speeding ticket

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.

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

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	173	95
Clearcover	189	94
Mercury	208	117
Sun Coast	208	103
Infinity	220	113
Anchor	250	123
Safeco	250	145
USAA	255	128
Kemper	283	147
Travelers	302	206
National General	319	157
GEICO	341	170
Allstate	352	176
Farmers	363	181
Dairyland	383	166
State Farm	392	195
Bristol West	410	198
21st Century	449	225
Chubb	700	349

Cheapest car insurance for drivers with an at-fault accident

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] Victorville reported 639 fatalities and injuries from car accidents in 2020. While this number is a decrease from the previous year, it’s an increase from 2018.^[1]

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

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	165	91
Clearcover	180	90
Mercury	199	112
Sun Coast	199	98
Infinity	210	108
Anchor	238	118
Safeco	238	139
USAA	243	122
Kemper	270	140
Travelers	288	196
National General	304	150
GEICO	325	162
Allstate	336	168
Farmers	346	172
Dairyland	365	158
State Farm	374	186
Bristol West	390	189
21st Century	428	214
Chubb	667	333

Cheapest car insurance for drivers with a DUI

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]

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

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	177	98
Clearcover	194	96
Mercury	213	120
Sun Coast	213	105
Infinity	225	116
Anchor	255	126
Safeco	255	149
USAA	261	131
Kemper	290	150
Travelers	309	210
National General	326	161
GEICO	349	174
Allstate	361	180
Farmers	371	185
Dairyland	392	170
State Farm	401	200
Bristol West	419	203
21st Century	460	230
Chubb	717	358

Cheapest car insurance for seniors

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. However, around 75 years old, premiums may see a slight increase due to various factors, including potential health issues and higher accident risks.^[7]

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

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	63	35
Clearcover	69	34
Mercury	76	43
Sun Coast	76	37
Infinity	80	41
Anchor	91	45
Safeco	91	53
USAA	93	47
Kemper	103	53
Travelers	110	75
National General	116	57
GEICO	124	62
Allstate	128	64
Farmers	132	66
Dairyland	140	60
State Farm	143	71
Bristol West	149	72
21st Century	164	82
Chubb	255	127

Cheapest car insurance for teens

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.

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	203	112
Clearcover	222	110
Mercury	245	138
Sun Coast	245	121
Infinity	259	133
Anchor	293	145
Safeco	293	171
USAA	300	150
Kemper	333	172
Travelers	355	241
National General	374	184
GEICO	400	200
Allstate	414	207
Farmers	426	212
Dairyland	450	195
State Farm	460	229
Bristol West	481	233
21st Century	528	264
Chubb	822	410

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.

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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 $172 per month. In Victorville, drivers pay higher rates for the same coverage, at $261 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.

For example, Victorville drivers pay higher rates on average than drivers in Fresno and San Diego but lower rates on average than drivers in Los Angeles and San Francisco.

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 full-coverage car insurance quote compares to other California cities.

City	Average Monthly Quote	Compared to Victorville
Bakersfield	$244	-7%
Fresno	$234	-10%
Long Beach	$259	-1%
Los Angeles	$350	34%
Modesto	$225	-14%
Oakland	$271	4%
Sacramento	$263	1%
San Diego	$226	-14%
San Francisco	$316	21%
San Jose	$254	-3%
Stockton	$248	-5%

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $142 a month for liability-only insurance and $261 a month for full-coverage insurance.
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.
However, 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 a month in California?
Average California car insurance rates are $125 a month for liability only and $258 a 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.^[2] 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 50+ 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.

More cities in California

Popular cities

Sources

California Office of Traffic Safety. "Crash Rankings Results." Accessed July 31, 2023
Federal Trade Commission. "Credit-Based Insurance Scores: Impact on Consumers of Automobile Insurance." Accessed July 31, 2023
III. "What determines the price of an auto insurance policy?." Accessed July 31, 2023
California DMV. "Auto Insurance Requirements." Accessed July 31, 2023
California Legislative Information. "SB-1107 Vehicles: insurance.." Accessed July 31, 2023
III. "Do auto insurance premiums go up after a claim?." Accessed July 31, 2023
III. "Senior driving safety and insurance tips." Accessed July 31, 2023

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.

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Edited byCourtney MikulskiSenior Editor, Auto

Courtney MikulskiSenior Editor, Auto

3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Table of contents

Table of contentsCompare quotes

Find Car Insurance in Victorville, California

Best car insurance companies in Victorville

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

Pay-Per-Mile CoverageMile Auto

Best insurer for digital experience: Clearcover

digital experienceClearcover

Best insurer for full coverage: Travelers

full coverageTravelers

Cheapest liability-only car insurance in Victorville

Cheapest full-coverage car insurance in Victorville

Estimate your Victorville car insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in California

Comprehensive coverage

Collision coverage

Glass coverage

Gap coverage

Medical payments coverage

How Much Car Insurance Do You Need? (2023)

California’s low-cost auto insurance program

Cheapest car insurance for drivers with an incident

Compare Cheap Quotes in Victorville, CA

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Victorville

Shop for Auto Insurance in Victorville, CA

Is car insurance more expensive in Victorville?

More cities in California

Victorville car insurance FAQs

Methodology

Related articles

More cities in California

Popular cities

Sources

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