Cheapest Auto Insurance in Victorville, California (2024)

Mile Auto has the cheapest car insurance in Victorville, with monthly liability rates as low as $65.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Courtney Mikulski
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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Updated June 16, 2024

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Cheapest recent rates near Victorville, California

Drivers using Insurify have found quotes as cheap as $49/mo for liability only and $101/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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of full-coverage car insurance in California is $277 per month, which is similar to the average of $286 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.

Quick Facts
  • Mile Auto, Sun Coast, and Mercury have the cheapest car insurance in Victorville.

  • Victorville drivers pay a yearly average of $3,428 for full-coverage car insurance.

  • Insurance companies in California can’t use your credit score to determine premiums.[2]

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.

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest For
Mile Auto3.7$114$61Pay-per-mile coverage
Clearcover3.4$137$67Digital experience
Travelers4.5$378$178Full coverage
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.
  • 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-5 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 28,000 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

Compare personalized, real-time quotes
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.
3.7
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.
$123/mo

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

Compare personalized, real-time quotes
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.
$87/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.
$143/mo

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
  • Quick claims process

  • Highly rated mobile app

Cons
  • Bundling not available

  • Limited discounts compared to other insurers

Read our Clearcover review
Jimmy - June 5, 2024
Verified

Too Expensive

I had them for years and made no claims. However, upon checking around, I found them to be too expensive. They were charging $200 a month more for the same coverage.

Mario - May 20, 2024
Verified

I love it!

I love this place. Every interaction was so easy.

Joshua - April 14, 2024
Verified

Loyal Customers Get Raised Rates

They start off with good rates, but after being a loyal customer, they raise the rates even though the value of the vehicles goes down.

Best insurer for full coverage: Travelers

Compare personalized, real-time quotes
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.
4.5
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.
$188/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.
$403/mo

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

Read our Travelers review
Kevin - June 15, 2024
Verified

Travelers Insurance Excellent Online Tools

The only issue was that the rate increased too much when new drivers were added.

Kevin - June 14, 2024
Verified

Looking for Another Company

It's not worth the money. My rate went up by almost $550 in less than a year.

Dorothy - June 6, 2024
Verified

Travelers Insurance

Travelers has been my insurance company for over 10 years and I am very satisfied.

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 $65 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 $151 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$65
Sun Coast$81
Mercury$96
Anchor$105
Dairyland$113
USAA$116
National General$139
GEICO$156
Allstate$161
Direct Auto$164
Farmers$166
State Farm$180
Travelers$188
21st Century$205
Bristol West$215
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: 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 $286 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$123
Mercury$182
Anchor$236
Sun Coast$236
USAA$249
Dairyland$325
National General$327
GEICO$332
Allstate$344
Farmers$354
State Farm$384
Direct Auto$386
Travelers$403
21st Century$438
Bristol West$439
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 recent rates near Victorville, California

Drivers using Insurify have found quotes as cheap as $49/mo for liability only and $101/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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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]

CoverageMinimum 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:

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

    Comprehensive coverage

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

  • 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 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? (2024)

How Much Car Insurance Do You Need? (2024)

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.

Shop for Car Insurance in Victorville, CA

Monthly rates start at $86 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 $88 per month for liability coverage.

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Mile Auto$65$88
Sun Coast$81$110
Mercury$96$130
Anchor$105$132
Dairyland$113$143
USAA$116$146
National General$139$171
GEICO$156$197
Allstate$161$203
Direct Auto$164$208
Farmers$166$208
State Farm$180$225
Travelers$188$239
21st Century$205$266
Bristol West$215$269
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 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 $90 per month, on average.

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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Mile Auto$65$90
Sun Coast$81$104
Mercury$96$129
Anchor$105$145
Dairyland$113$142
USAA$116$146
National General$139$175
GEICO$156$197
Allstate$161$203
Direct Auto$164$212
Farmers$166$208
State Farm$180$226
Travelers$188$239
21st Century$205$264
Bristol West$215$267
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 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 $93 for a minimum-coverage policy.

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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Mile Auto$65$93
Sun Coast$81$120
Mercury$96$137
Anchor$105$166
Dairyland$113$179
USAA$116$184
National General$139$220
GEICO$156$247
Allstate$161$255
Direct Auto$164$260
Farmers$166$263
State Farm$180$285
Travelers$188$298
21st Century$205$325
Bristol West$215$341
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 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 $51 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Mile Auto$96$51
Mercury$142$75
Anchor$190$85
USAA$205$95
Sun Coast$207$71
Dairyland$268$93
National General$270$115
GEICO$273$128
Allstate$285$133
Farmers$285$134
Direct Auto$308$131
State Farm$308$144
Travelers$327$152
21st Century$339$159
Bristol West$363$178
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 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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Mile Auto$220$116
Mercury$305$161
Sun Coast$357$122
USAA$377$176
Anchor$382$170
GEICO$475$223
Dairyland$497$173
Allstate$552$258
National General$569$242
Farmers$572$268
State Farm$595$279
Direct Auto$648$275
21st Century$667$312
Travelers$667$311
Bristol West$684$335
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.

Find Auto Insurance in Victorville

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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 $215 per month. In Victorville, drivers pay slightly higher rates for the same coverage, at $286 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.

CityFull CoverageLiability Only
Bakersfield$241$112
Fresno$241$127
Los Angeles$340$198
Modesto$276$130
Riverside$283$135
Sacramento$292$137
San Diego$233$116
San Francisco$294$148
San Jose$270$125
Stockton$300$138
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 $151 per month for liability-only insurance and $286 per month for full-coverage insurance, according to Insurify data.

  • Which company has the cheapest car insurance in Victorville?

    Mile Auto has the cheapest car insurance in Victorville, with monthly liability rates as low as $65. Sun Coast and Mercury also offer affordable coverage, with respective monthly liability rates of $81 and $96.

    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 $135 per month for liability only and $277 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.[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.

Sources

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

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
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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