Victorville, CA Car Insurance

Are rates in Victorville higher or lower than those in neighboring areas? How do they compare to the rest of California? How much can residents of Victorville expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Victorville?

Based on the chart above, you can see that auto insurance rates in Victorville are in line with rates across the rest of California.

Likewise, the expected monthly payments for an auto insurance policy in Victorville are below the national average. On average, it's about $28 less to insure your vehicle in Victorville than it is in the rest of the United States.

Although these are the average monthly costs for an auto insurance policy in Victorville, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've analyzed the average rate for Victorville and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

It would make sense that older drivers have more driving experience, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay $32 more than someone who is retirement aged.

You can expect to see your monthly premium drop every 10 years or so. Drivers in Victorville may see their rates climb back up once they hit retirement age.

Average Car Insurance Rates by Gender

Car insurance rates for men are usually slightly more expensive than they are for women. In Victorville, the difference is around $6 per month. As you can see in the chart above, car insurance for women in the area typically costs around $50 each month, while men pay $56 on average.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Those with clean records will obviously pay much less than those with infractions. In Victorville, a driving record with a single accident will usually get you a rate around $68 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $71.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

The most affordable vehicles to insure in Victorville are typically trucks and vans, which run about $50 per month.

Car owners can expect to pay an average of around $54 a month for their policy, while SUVs usually cost around $51 a month to insure.

Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Victorville, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Victorville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $11 a month.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your living accommodations. If you rent your home or apartment in Victorville, expect to pay around $5 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Victorville, CA

Recent trends in car insurance for Victorville drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.

The cost of car insurance coverage in Victorville dropped from 2017-2018, before steadying out in 2019. Policy premiums finished up in 2022, at $55 a month

How does Victorville compare to neighboring areas?

Why are car insurance rates in Victorville different from other areas?

When considering how much to charge for coverage, car insurance companies will review several factors. The specifics of where you park your car will have an impact on your personal policy. This might include things like:

• Amount of off-street parking
• Amount of drivers in the community
• Number of car accidents
• Prevalence of crime
• Community laws

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Victorville?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Victorville.

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Victorville Insurance FAQs

What factors affect car insurance quotes in Victorville?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.

Why is the cost of car insurance in Victorville different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Victorville?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Victorville?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Victorville or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.