Best Victorville, CA Car Insurance in 2026

Victorville, CA car insurance is more expensive than average. That’s not surprising since California car insurance rates, in general, are higher than the national average.

You can save on Victorville, California car insurance by shopping around, comparing rates, and looking for discounts. Keep reading to learn where to find the cheapest Victorville, CA auto insurance companies.

Are you trying to find affordable Victorville, CA car insurance quotes? Find great rates with our free online quote comparison tool. Enter your ZIP code above to get started.

What is the cheapest car insurance company in Victorville, CA?

The Victorville, CA car insurance company that offers the lowest average rates to all drivers is Geico followed by Liberty Mutual. Compare these two companies by reading our Liberty Mutual car insurance review and our Geico car insurance review.

The best car insurance companies in Victorville, CA listed from least to most expensive are:

• Geico car insurance – $2,833
• Liberty Mutual car insurance – $2,852
• Progressive car insurance – $2,870
• USAA car insurance – $2,983
• Travelers car insurance – $3,632
• Farmers car insurance – $4,883
• Allstate car insurance – $4,981
• Nationwide car insurance – $4,998
• State Farm car insurance – $5,112

Read more: Liberty Mutual vs. Travelers Car Insurance Comparison

There are many factors that affect car insurance rates, such as your age and driving record. Although many companies will also use gender to determine your rates, California is one of the few states that doesn’t allow it.

Where you live and the size of your city affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, Los Angeles car insurance is more expensive than coverage in Victorville, even though the cities are near each other.

California also offers a low-income car insurance option. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain income requirements.

What car insurance coverage is required in Victorville, CA?

Almost every state requires at least a minimum amount of car insurance for drivers to drive legally. California is no exception.

The minimum car insurance requirements in California for Victorville drivers are:

• $15,000 per person and $30,000 per incident for bodily injury liability
• $5,000 per incident for property damage

In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered. Drivers should consider raising these limits and carrying additional coverages.

Consider adding additional coverages such as collision and comprehensive. Collision car insurance helps pay for damages from an accident that you caused. Comprehensive car insurance covers damages not resulting from an accident, such as damages from Victorville, CA weather like hail or falling debris.

What affects car insurance rates in Victorville, CA?

Traffic can also affect your car insurance rates because more cars on the road equal a higher chance of an accident.

Although INRIX doesn’t have data for Victorville, it does rank nearby Los Angeles, CA as the fifth most congested city in the U.S. and the 37th most congested city in the world.

In fact, City-Data reports that most drivers in Victorville, CA commute around 35.2 minutes, and a large number of drivers commute an hour or more.

Car theft can also raise your insurance rates. According to the FBI, there were 649 motor vehicle thefts in Victorville in one year.

Victorville, CA car insurance: The Bottom Line

Victorville car insurance is more expensive than the state and national averages, although there is some help available for low-income drivers.

Before you buy Victorville, CA car insurance, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to compare multiple Victorville, CA car insurance companies.