Cheapest Auto Insurance in Victorville, California (2025)
USAA has the cheapest car insurance in Victorville, with monthly liability rates as low as $82.
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The average cost of full-coverage car insurance in California is $206 per month, which is similar to the average of $218 in Victorville. The Southern California 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.
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.
Best insurer for pay-per-mile coverage: Mile Auto
Best insurer for digital experience: Clearcover
Best insurer for full coverage: Travelers
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.
Cheapest liability-only car insurance in Victorville: USAA
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 coverage could leave you on the hook for large out-of-pocket expenses in an at-fault accident.
Liability-only insurance in Victorville costs an average of $98 per month.
The table below shows some of the cheapest car insurance companies in Victorville for liability-only policies.
Cheapest full-coverage car insurance in Victorville: Anchor
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 $218 for full-coverage car insurance.
The table below shows the cheapest car insurance companies for full-coverage policies in Victorville.
Car insurance requirements in California
Drivers in California must adhere to the state’s minimum car insurance requirements.
State lawmakers approved an increase in coverage limits, which will take effect Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all drivers need to carry:4
Consider these additional coverage options to enhance your auto insurance policy and ensure greater protection:
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 for several years 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.
Cheapest car insurance for drivers with a speeding ticket: USAA
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 a surcharge that increases your insurance premiums, even if you don’t cause an accident.
Drivers in Victorville with a speeding ticket pay an average of $101 per month for liability coverage.
Here are the cheapest liability-only quotes from auto insurance companies in Victorville for drivers with a speeding ticket.
Cheapest car insurance for drivers with an at-fault accident: USAA
It’s common for auto insurance premiums to increase for three to five years 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 $100 per month, on average.
The table below shows the cheapest liability-only car insurance companies for Victorville drivers with an at-fault accident.
Cheapest car insurance for drivers with a DUI: USAA
Driving under the influence is a serious offense that carries substantial consequences, including significantly higher car insurance premiums for up to 10 years in California. 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 $128 for a minimum-coverage policy.
For drivers with a DUI on their record, here are the cheapest liability-only quotes in Victorville.
Cheapest car insurance for seniors: USAA
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-20s. But around 70 years old, premiums may increase slightly due to higher accident risks.7
Senior drivers in Victorville pay $68 per month, on average, for a liability-only policy.
The table below shows the cheapest car insurance companies for senior drivers in Victorville.
Cheapest car insurance for teens: USAA
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, and if they’re younger than 18, they won’t be able to get their own policy without a parent’s or guardian’s written consent. 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 $154 for liability coverage.
The table below includes some of the cheapest insurers for teens and young drivers in Victorville, based on Insurify data.
Is car insurance more expensive in Victorville?
The national average cost of full-coverage car insurance in the U.S. is $182 per month. In Victorville, drivers pay slightly higher rates for the same coverage, at $218 per month, on average.
Remember that insurance rates can vary significantly depending on your location 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 more congested highways have higher average rates.
Here’s how Victorville’s average car insurance quotes compare to other California cities.
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 $98 per month for liability-only insurance and $218 per month for full-coverage insurance, according to Insurify data.
Which company has the cheapest car insurance in Victorville?
USAA has the cheapest car insurance in Victorville, with monthly liability rates as low as $82. National General and Sun Coast also offer affordable coverage, with respective monthly liability rates of $92 and $100.
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 $94 per month for liability only and $206 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.
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