Victorville, CA Car Insurance

Residents of Victorville pay, on average, about $53 per month for car insurance. To learn more about what you're likely to pay in the Victorville area, read our guide below.
How does Victorville compare to the surrounding area and the rest of California? What should residents of Victorville expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Victorville?

Area Average Monthly Car Insurance Premium
Victorville$53
CA$56
United States$80

As you can tell by looking at the chart above, auto insurance rates in Victorville are about the same as the rest of California.

Similarly, car insurance rates in Victorville are more affordable than the national average. You can expect to pay about $27 below the national average for auto insurance in Victorville.

These may be the average auto insurance rates for Victorville, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't worry, we've done the work for you and broken down the average rates for Victorville to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$80
25-34$46
35-44$43
45-54$41
55-64$42
65+$47

The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates start to rise again in Victorville.

Average Car Insurance Rates by Gender

Gender Average
Male$56
Female$50

Car insurance rates for female drivers are usually cheaper than those for male drivers. This is true in Victorville, where male drivers pay about $6 more a month. As illustrated in the table above, female drivers in the area pay about $50 on average, while male drivers pay around $56 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$70
Multiple Accidents$64
1 Ticket$89
Multiple Tickets$79

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay significantly less than those with infractions. In Victorville, drivers with one accident on their record will experience rates around $70 a month. In addition, drivers with a single ticket on their record can expect to pay around $89 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$49
2-3 Years$57
4-5 Years$59
6-7 Years$55
8-10 Years$50
11-14 Years$58
15 Years or Older$50

As you can see in the first table above, the cheapest vehicles to insure in Victorville are by and large trucks and vans, which run about $47 per month.

SUV drivers will see rates of about $51 for auto insurance coverage, while car owners typically pay around $54 per month.

You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Victorville, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$57
Married$47
Divorced$40
Widowed$42

On average, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Victorville is no exception, with the difference totaling to around $10 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$53
Live with parents$75

Another factor taken into consideration is your housing status. Renters can expect to pay around $5 a month more than drivers who own property in Victorville. Those who live with their parents, however, can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Victorville, CA

Recent trends in car insurance for Victorville drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of car insurance coverage in Victorville had been increasing from 2016-2017, before leveling out in 2018. Policy premiums finished down in 2021, at $53 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 an insurance policy, car insurance companies will evaluate a number of factors. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Road Safety (how many accidents each locality has)
  • Laws
  • Availability of off-street parking
  • Crime
  • Total number of drivers

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Victorville?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But hold on! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Victorville.

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Victorville Insurance FAQs

What factors affect car insurance quotes in Victorville?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

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

Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Victorville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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