Compare Victorville, CA Car Insurance Rates (2022)

The cheapest Victorville, CA car insurance rates are from GEICO, but rates will vary for each driver. Low-income drivers in Victorville may qualify for the California Low-Cost Auto (CLCA) program if they meet certain criteria. Victorville, CA car insurance must meet the state minimums of 15/30/5 in liability coverage, although drivers are encouraged to carry additional coverage.

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UPDATED: Jun 22, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 22, 2022Fact Checked

Here's what you need to know...

  • GEICO offers the lowest average car insurance rates to all drivers in Victorville, CA
  • Victorville is part of the larger Los Angeles area and shares a high volume of traffic
  • California Low-Cost Auto (CLCA) program is available for low-income drivers who meet certain requirements

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

Your car insurance rates are affected by many different factors, 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 low-cost car insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain income requirements.

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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 insurance helps pay for damages from an accident that you caused. Comprehensive 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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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