120+ more*Quotes generated for Insurify users in and around Victorville, California within the last 10 days. Last updated on July 10, 2026. 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 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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In Victorville, the cheapest insurance is available through USAA, with an average monthly premium of $73 for liability-only coverage.
Car insurance premiums in Victorville are slightly higher than the state average.
Victorville drivers spend an average of 40.4 minutes commuting to work — about 41% above the state average.
In Victorville, drivers pay slightly higher premiums than the California average. Liability-only policies cost an average of $105 per month, and full-coverage policies average $216 per month.
The city’s higher rates are due to several factors. Victorville is in San Bernardino County, which ranked among the top 15 counties in the country for car theft volume in 2025, according to National Insurance Crime Bureau (NICB) data.
Additionally, drivers in Victorville have a longer-than-average commute to work, increasing the risk of accidents and claims.
By contrast, auto insurance rates are much lower in Ridgecrest, a city with fewer than 30,000 residents located about 90 miles north of Victorville. Liability coverage in Ridgecrest averages $79 per month.
The table below shows how average car insurance rates in Victorville compare to the California state average.
Car Insurance Costs in Victorville vs. California  | Average Monthly Quote |
|---|---|
| Victorville average | $161 |
| California average | $148 |
In Victorville, the insurer with the cheapest liability rates is USAA. Policyholders pay an average of $73 per month.
For full coverage, the cheapest insurer in Victorville is Aspire General. Full-coverage policies average $136 per month.
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Victorville has about 142,000 residents and covers 74 square miles.[1] Located near historic Route 66, the city is home to the Route 66 Museum and Mojave Narrows Regional Park.
Historic Old Town Victorville, known for its shops and restaurants, is currently undergoing significant changes to make it more pedestrian-friendly. As part of the revitalization project, the city is transitioning Seventh Street from a four-lane roadway to a two-lane street with on-street parking.
Over the past 15 years, Victorville has experienced rapid growth. Due to the growing population, several major road improvement projects are ongoing, affecting daily driving conditions and traffic patterns.
In addition, Victorville is among the counties leading the state in driving under the influence (DUI) arrests. The city’s police department conducts regular DUI patrols year-round.
Victorville is part of the Riverside-San Bernardino-Ontario Metropolitan Statistical Area. This region ranked ninth in the nation for total vehicle thefts in 2025, with drivers reporting more than 14,000 stolen vehicles.[2]
More vehicle theft typically leads to higher car insurance premiums.
Even so, vehicle thefts in the area have declined in recent years. Between 2024 and 2025, San Bernardino County theft rates dropped 23%, according to Insurify data.
Although Victorville’s insurance rates are comparable to the state average, they’re significantly cheaper than in some California cities. For example, Glendale, about two hours from Victorville, has much higher average insurance rates, with drivers paying an average of $268 per month.
Glendale has more traffic and a much higher population density than Victorville, which contributes to higher rates.
But drivers in Hanford, about three hours north of Victorville, pay some of the state’s lowest rates, averaging $112 per month. Hanford is less expensive for car insurance due to its smaller population and lower motor vehicle theft rate.
The table below shows average car insurance premiums across various California cities.
City | Average Monthly Quote |
|---|---|
| Anaheim | $163 |
| Bakersfield | $132 |
| Berkeley | $153 |
| Chula Vista | $128 |
| Elk Grove | $143 |
| Fontana | $160 |
| Fremont | $138 |
| Fresno | $131 |
| Glendale | $268 |
| Hayward | $153 |
| Long Beach | $171 |
| Los Angeles | $225 |
| Modesto | $143 |
| Moreno Valley | $147 |
| Oakland | $170 |
| Oxnard | $138 |
| Riverside | $150 |
| Roseville | $140 |
| Sacramento | $158 |
| San Bernardino | $157 |
| San Diego | $130 |
| San Francisco | $171 |
| San Jose | $136 |
| Santa Ana | $154 |
| Santa Barbara | $120 |
| Santa Maria | $114 |
| Stockton | $146 |
| Temecula | $130 |
| Victorville | $161 |
Victorville drivers spend an average of about 40 minutes commuting to work — significantly longer than the state average of 28 minutes.
Commute times are unlikely to improve anytime soon, as several major roads around the Victorville area are undergoing substantial improvements.
One of these is the Air Expressway, a designated truck route that connects National Trails Highway and US-395. With its high truck volume from local and national businesses, it averages 21,000 vehicles per day, making it one of the busiest roads within the city.
Ongoing construction along a seven-mile stretch of this busy road is likely to worsen traffic congestion.
Insurance rates in Victorville are slightly higher than the state average. This is due in part to the area’s higher population density and a longer-than-average commute time. With more time spent driving, the risk of accidents increases.
Victorville also has a fairly high motor vehicle theft rate. Living in an area with a higher theft rate means there’s a greater likelihood that you’ll file a comprehensive coverage claim for a stolen car.
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In California, drivers need to maintain coverage that satisfies the state’s 30/60/15 insurance requirements.[3]
In Victorville, liability-only policies are typically much cheaper than full coverage. On average, drivers pay $105 per month for liability coverage, which is slightly higher than the state average of $96 per month.
The following table shows insurers with the cheapest rates for liability coverage in Victorville.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $73 |
| Aspire General | $77 |
| GEICO | $79 |
| Sun Coast | $80 |
| Mercury | $82 |
| National General | $82 |
| Dairyland | $90 |
| Root | $97 |
| Direct Auto | $99 |
| Allstate | $101 |
| Farmers | $103 |
| Anchor | $107 |
| State Farm | $112 |
| Bristol West | $113 |
| Kemper Special | $117 |
| Travelers | $117 |
| 21st Century | $128 |
| Kemper Rsvp | $128 |
| Chubb | $199 |
Full-coverage policies, which include comprehensive and collision coverage, can be a worthwhile investment due to Victorville’s higher wildfire risk and vehicle theft rate. On average, Victorville drivers pay $216 per month for full-coverage insurance, which is higher than the state average of $200 per month.
The lowest full-coverage rates are available through Aspire General, with policyholders paying an average of $136 per month.
Check out the table below to see the cheapest rates for full-coverage insurance in Victorville.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $136 |
| Root | $151 |
| Mercury | $158 |
| GEICO | $161 |
| USAA | $163 |
| Kemper Special | $180 |
| Kemper Rsvp | $183 |
| Sun Coast | $188 |
| Anchor | $202 |
| Dairyland | $215 |
| National General | $219 |
| Allstate | $225 |
| Farmers | $231 |
| Bristol West | $241 |
| Direct Auto | $244 |
| State Farm | $251 |
| Travelers | $263 |
| 21st Century | $286 |
| Chubb | $446 |
*Quotes generated for Insurify users in and around Victorville, California within the last 10 days. Last updated on July 10, 2026. 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 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
In Victorville, approximately 2.8% of drivers have a speeding ticket on their record, according to Insurify data.
A ticket on your record typically leads to higher insurance premiums. But in San Bernardino County, you can request to attend traffic school if you received a ticket for driving 25 mph or less above the posted speed limit.
If you successfully complete the program, points assessed for the speeding ticket won’t show up on your driving record, and insurance companies won’t increase your rates.
This table highlights the cheapest rates for drivers with a speeding ticket in Victorville.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $95 |
| Aspire General | $98 |
| Sun Coast | $102 |
| National General | $103 |
| GEICO | $104 |
| Dairyland | $112 |
| Mercury | $114 |
| Root | $117 |
| Direct Auto | $125 |
| Allstate | $132 |
| Farmers | $133 |
| Anchor | $133 |
| State Farm | $143 |
| Bristol West | $144 |
| Kemper Special | $149 |
| Travelers | $153 |
| Kemper Rsvp | $163 |
| 21st Century | $170 |
| Chubb | $255 |
With Victorville’s heavy traffic congestion and lengthy commute times, you’re more likely to be in an accident than drivers who live in less-populated areas. Approximately 4.35% of Victorville drivers have an at-fault accident on their records, according to Insurify data.
California is an at-fault state, which means if you cause an accident, you’re responsible for the other driver’s damages. An at-fault accident on your record leads to higher insurance rates afterward.
The table below shows the cheapest car insurance rates for drivers with an at-fault accident on their record in Victorville.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $97 |
| Aspire General | $98 |
| Sun Coast | $102 |
| GEICO | $103 |
| National General | $107 |
| Dairyland | $117 |
| Root | $120 |
| Mercury | $121 |
| Direct Auto | $133 |
| Allstate | $134 |
| Farmers | $136 |
| Anchor | $137 |
| State Farm | $146 |
| Bristol West | $147 |
| Kemper Special | $149 |
| Travelers | $156 |
| Kemper Rsvp | $163 |
| 21st Century | $172 |
| Chubb | $262 |
Victorville has stringent DUI enforcement efforts. In fact, Victorville ranked eighth in the state out of 62 cities for DUI arrests, according to the California Office of Traffic Safety.
This enforcement may contribute to Victorville’s relatively low percentage of drivers with a DUI on their records — about 0.63%, according to Insurify data. Insurers consider drivers convicted of DUI high-risk, and the state may require them to carry SR-22 insurance.
See the following table for insurers with the cheapest liability-only rates for drivers with a DUI in Victorville.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $102 |
| Aspire General | $104 |
| Sun Coast | $108 |
| GEICO | $110 |
| National General | $115 |
| Mercury | $122 |
| Dairyland | $126 |
| Root | $135 |
| Direct Auto | $138 |
| Allstate | $141 |
| Farmers | $144 |
| Anchor | $150 |
| State Farm | $156 |
| Bristol West | $158 |
| Kemper Special | $158 |
| Travelers | $163 |
| 21st Century | $172 |
| Kemper Rsvp | $173 |
| Chubb | $278 |
Victorville has a high percentage of teens, with nearly 30% of its population younger than age 18. Teens in Victorville have much higher insurance rates than other age groups due to their inexperience behind the wheel.
In California, drivers younger than 18 must complete a driver training program before they can get a permit. Training is available at many public and private schools or through state-licensed programs.
Teens in Victorville pay an average of $189 per month for liability coverage.
Check out the table below for the lowest insurance rates for teen drivers in Victorville.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $133 |
| Aspire General | $139 |
| GEICO | $142 |
| Sun Coast | $144 |
| Root | $145 |
| Mercury | $149 |
| Dairyland | $156 |
| National General | $162 |
| Direct Auto | $192 |
| Allstate | $197 |
| Bristol West | $199 |
| Anchor | $203 |
| Farmers | $204 |
| Kemper Special | $211 |
| State Farm | $215 |
| 21st Century | $227 |
| Kemper Rsvp | $230 |
| Travelers | $241 |
| Chubb | $406 |
Victorville is a “young” city, with a median age of 31. In fact, only 10% of the population is 65 or older.
While they make up a smaller portion of the population, Victorville seniors typically pay the lowest car insurance rates, averaging $95 per month for liability-only coverage. Senior drivers older than age 55 may be able to lower their rates by taking a mature driver improvement course every three years.[4]
This table shows the lowest rates for senior drivers in Victorville.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $61 |
| GEICO | $65 |
| National General | $66 |
| Mercury | $67 |
| Aspire General | $70 |
| Sun Coast | $73 |
| Dairyland | $78 |
| Direct Auto | $83 |
| Farmers | $84 |
| Allstate | $84 |
| Anchor | $89 |
| State Farm | $90 |
| Root | $91 |
| Travelers | $96 |
| Bristol West | $97 |
| 21st Century | $103 |
| Kemper Special | $106 |
| Kemper Rsvp | $116 |
| Chubb | $155 |
Whether you’re shopping for the best car insurance for a Toyota, Honda, or electric vehicle in Victorville, these answers to frequently asked questions can help you find the right coverage.
In Victorville, drivers pay an average of $161 per month for insurance coverage. Your exact rate will depend on the type of insurance you choose, your driving record, your age, and your ZIP code.
The company with the cheapest car insurance rates in Victorville is USAA. Policyholders pay an average of $73 per month for liability insurance. Your cost may differ based on your vehicle and insurance needs.
No single company is best for everyone, but top insurers in Victorville include USAA, GEICO, and Mercury. These companies all offer robust coverage options and multiple insurance discounts. Mercury also has several insurance agents located in Victorville.
Your rates depend on several factors, including your vehicle’s make and model, your driving record, your age, your deductible amount, and whether you include coverage options such as roadside assistance or rental reimbursement. You can save money by taking advantage of multi-policy discounts for bundling auto insurance with homeowners insurance or renters insurance.
Whether $200 per month is expensive for a Victorville insurance policy depends on your selected coverage. For a policy that meets only the state’s minimum liability requirements, $200 is fairly expensive. But if you drive a new car or you’re a younger driver, $200 per month for a full-coverage policy in Victorville is relatively affordable.
Compare rates and find the best price by requesting free quotes from several insurers.
Insurify data scientists analyzed more than 190 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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9+ years in personal finance writing
Certified Financial Counselor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.