Cheapest Car Insurance Quotes in Victorville

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Victorville Car Insurance

^$ 30

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Victorville

The car insurance rate in Victorville is $1419 for a six-month policy, which is $174 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $732, making it a popular choice for budget-conscious drivers. Rates in Victorville can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Victorville

$1419

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Victorville

1st place: CSAA

At $732 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1172 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $1191 for six months, making it the third cheapest auto insurance company in Victorville.

Victorville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Victorville, CA is CSAA, offering policies at just $732 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1172.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1564 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Victorville drivers find the best deals.

Cheap Car Insurance Companies in Victorville, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$732	$123
Mercury	$1172	$197
AAA NorCal	$1191	$203
Progressive	$1191	$201
Wawanesa	$1246	$210
USAA	$1267	$213
Auto Club	$1300	$221
Allstate	$1449	$244
AAA SoCal	$1530	$260
Kemper	$1619	$270
State Farm	$1734	$292
Travelers	$1937	$323
Farmers	$1944	$331
AAA	$1564	$261

Key Takeaways

Way's key takeaways about car insurance in Victorville

The auto insurance costs in Victorville fall around $732 for six months.
The cheapest auto insurance company in Victorville is CSAA.
Teen drivers pay the highest rate in Victorville at $687 per month.

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Cheapest Minimum Liability Car Insurance in Victorville

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Victorville are given below.

CSAA provides the cheapest minimum car insurance coverage in Victorville. Their Average 6 Month Premium is $176. Travelers is the most expensive at $744 for the same period.

Cheapest Liability Coverage in Victorville, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$176	$30
AAA NorCal	$291	$49
USAA	$332	$56
Progressive	$393	$66
Auto Club	$399	$66
Wawanesa	$420	$71
AAA	$481	$80
AAA SoCal	$488	$83
Mercury	$488	$82
State Farm	$535	$90
Allstate	$617	$104
Farmers	$663	$113
Travelers	$744	$124

Cheapest Full Coverage Car Insurance in Victorville

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Victorville is CSAA at $123 per month and $732 for six months.

Cheapest Full Coverage Car Insurance Quotes in Victorville, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$732	$123
Mercury	$1172	$197
AAA NorCal	$1191	$203
Progressive	$1191	$201
Wawanesa	$1246	$210
USAA	$1267	$213
Auto Club	$1300	$221
Allstate	$1449	$244
AAA SoCal	$1530	$260
Kemper	$1619	$270
State Farm	$1734	$292
Travelers	$1937	$323
Farmers	$1944	$331
AAA	$1564	$261

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Average Car Insurance in Victorville by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Victorville, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Victorville, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Victorville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Victorville

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$684
30s	Wawanesa	$552
40s	Wawanesa	$552
50s	Wawanesa	$552
60s	Wawanesa	$552
70s	Wawanesa	$540

Cheapest Car Insurance Rates for Teen Drivers in Victorville,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Victorville at $81 per month. At $4123 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$474	$81
Capital Insurance Group	$596	$99
USAA	$1550	$261
Wawanesa	$1585	$264
Progressive	$1815	$306
Mercury	$1882	$317
CSAA	$1997	$336
Auto Club	$2932	$489
State Farm	$2992	$504
Allstate	$3480	$586
AAA SoCal	$3683	$626
AAA NorCal	$3731	$621
Travelers	$3874	$659
Farmers	$4123	$687

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Victorville.

As young drivers face the highest rates in Victorville, Wawanesa offers the cheapest auto insurance rates at $684 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

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Save up to $971/yr on car insurance rates in Victorville.

Car Insurance Rates with An Accident in Victorville

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Victorville, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Victorville

The cheapest car insurance companies after an at-fault accident in Victorville include AAA and Capital Insurance Group, offering $426 and $622, respectively. Allstate is an expensive provider with an average six-month premium of $3934.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$426	$71
Capital Insurance Group	$622	$106
CSAA	$833	$140
USAA	$1368	$230
Mercury	$1497	$252
Progressive	$1564	$263
Wawanesa	$1760	$293
Auto Club	$1951	$332
Farmers	$2133	$359
AAA NorCal	$2418	$412
AAA SoCal	$2621	$437
State Farm	$3095	$521
Travelers	$3731	$621
Allstate	$3934	$662

Victorville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Victorville CA. For example, the car insurance in Victorville after a DUI increases to $1984 for a six month policy. While the rate increases by $521 for a six-month policy in the case of a speeding ticket.

Victorville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1239	$206
Not-at-fault accident	$1239	$211
One comp claim	$1239	$206
One Med/PIP claim	$1239	$211
Two comp claims	$1239	$206
Two Med/PIP claims	$1239	$211
At-fault accident - less than $1000	$1267	$211
Failure to show documents	$1632	$277
Driving with expired registration	$1666	$278
Driving without lights	$1666	$283
Failure to wear a seat belt	$1672	$279
Child safety restraint	$1686	$286
Speeding 11 - 15 MPH over limit	$1753	$292
Speeding 16 - 20 MPH over limit	$1753	$299
Driving too slowly	$1760	$293
Failure to stop at a red light	$1760	$300
Failure to yield	$1760	$293
Following too closely	$1760	$300
Illegal turn	$1760	$293
In 65 MPH zone	$1760	$300
Speeding 21 - 25 MPH over limit	$1760	$293
Speeding 6 - 10 MPH over limit	$1760	$300
Speeding in school zone	$1760	$293
Improper passing	$1767	$301
Cell phone violation	$1774	$295
Texting while driving	$1774	$302
Passing school bus	$1794	$299
Wrong way/wrong lane	$2099	$357
Operating a vehicle without permission	$2147	$358
At-fault accident - $1000-$2000	$2160	$367
At-fault accident - greater than $2000	$2160	$360
Open container	$2167	$368
Driving with a suspended license	$2513	$418
Reckless driving	$3061	$521
Racing	$3095	$515
Leaving scene of an accident/hit and run	$3108	$529
DUI	$3223	$537
Refusal to submit to a chemical test	$3223	$548

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Victorville after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Victorville.

The cheapest car insurance premiums in Victorville are offered by Capital Insurance Group at $928 for a six-month policy. However, it can be as expensive as $853 with companies like AAA.

Victorville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$928	$155
Mercury	$1327	$223
Progressive	$1760	$296
Wawanesa	$1984	$337
Farmers	$2228	$375
CSAA	$2370	$399
USAA	$2444	$412
Travelers	$2776	$467
Auto Club	$3920	$653
AAA NorCal	$4286	$728
AAA SoCal	$4807	$801
State Farm	$6101	$1027
Allstate	$6216	$1047
AAA	$853	$145

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Victorville are offered by CSAA at $108. However, it can be as expensive as $2980 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Victorville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$108	$18
Capital Insurance Group	$596	$101
Mercury	$1280	$215
USAA	$1306	$222
Progressive	$1313	$221
AAA NorCal	$1510	$257
AAA SoCal	$2092	$349
Allstate	$2654	$451
Farmers	$2763	$461
State Farm	$2953	$502
Travelers	$2980	$497

Car Insurance Price Trends in Victorville, California

Car insurance rates in Victorville have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Victorville rose by $242 in January compared to $219 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the Victorville rose to $70 in January, compared to $63 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Victorville?

The car insurance in Victorville is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Victorville?

The cheapest car insurance in Victorville is $123 per month for full coverage.

How much is car insurance in Victorville for teenagers?

Car insurance for teenagers costs $474 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Victorville?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $238 per month to insure your car in Victorville.

Is car insurance expensive in Victorville?

Car insurance can be expensive in Victorville if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Victorville can be affordable.

Cheapest Car Insurance Quotes in Victorville

Why you can trust Way?

How Much Is Car Insurance in Victorville

Avg. Car Insurance in Victorville

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Victorville

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Victorville Car Insurance Rates by Company

Cheap Car Insurance Companies in Victorville, CA

Way's key takeaways about car insurance in Victorville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Victorville

Cheapest Liability Coverage in Victorville, CA

Cheapest Full Coverage Car Insurance in Victorville

Cheapest Full Coverage Car Insurance Quotes in Victorville, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Victorville by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Victorville, CA increasing?

Car Insurance Premiums by Age in Victorville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Victorville,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Victorville.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Victorville

Cheapest Car Insurance Companies after an At-Fault Accident in Victorville

Victorville Car Insurance Rates by Violation

Victorville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Victorville after a DUI

Victorville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Victorville after Speeding ticket

Car Insurance Price Trends in Victorville, California

Average Car Insurance Cost in Victorville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Victorville, CA

Car Insurance Rates by State in the USA (2025 Update)

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