Victoria, TX Car Insurance

Victoria drivers pay, on average, around $58 a month for their car insurance. To learn more about what you're likely to pay in the Victoria area, read our guide below.
What rates can residents of Victoria expect to pay for their car insurance? Are rates in Victoria higher or lower than those in neighboring areas? How do they compare to the rest of Texas? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Victoria?

Area Average Monthly Car Insurance Premium
Victoria$58
TX$65
United States$81

Compared to the rest of the Texas, coverage in Victoria is about $7 a month cheaper.

Drivers relocating from out of state may enjoy some cost savings in Victoria. You can expect to pay about $23 less for your policy in Victoria than in the rest of United States.

Although these are the average monthly costs for an auto insurance policy in Victoria, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

Don't worry, we've done the work for you and broken down average rates for Victoria to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$93
25-34$54
35-44$49
45-54Not Enough Data
55-64$42
65+$45

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $48 more than someone who is retirement aged.

You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may begin to go back up in Victoria.

Average Car Insurance Rates by Gender

Gender Average
Male$63
Female$54

Female drivers pay, on average, slightly less than their male counterparts. The difference in Victoria is about $9 per month. As you can see in the table above, female drivers in the area typically pay $54 on average, while female drivers typically pay $63 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$80
Multiple Accidents$75
1 Ticket$72
Multiple Tickets$95

One of the key factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay much less than those with infractions. In Victoria, drivers with one accident on their record will experience rates around $80 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $72.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$60
2-3 Years$64
4-5 Years$46
6-7 Years$55
8-10 Years$62
11-14 Years$61
15 Years or Older$55

If you look at the first table above, the cheapest vehicles to insure in Victoria are by and large trucks and vans, at $50 per month.

Car owners will see a monthly premium of about $60, while SUV owners usually pay around $58 a month.

The age of your vehicle can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Victoria, vehicles two-to -three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$61
Married$51
Divorced$49
Widowed$45

Generally, those who have settled down into marriage will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Victoria 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$50
Rent$58
Live with parents$94

Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $8 a month more than drivers who own property in Victoria. But if you live with your parents, your rates will be significantly higher.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

Car Insurance Companies in Victoria, TX

Recent trends in car insurance for Victoria drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

The rates for auto insurance in Victoria had been increasing from 2017-2018, but changed in 2019. They decreased until 2020, when they hit a low of $43, and finished at $48 in 2022.

How does Victoria compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review many factors. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Availability of off-street parking
  • Area crime rates
  • Area laws
  • Road Safety (how many accidents each locality has)
  • Number of drivers in the community

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. 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 Victoria?

While getting familiar with 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.

But hold on! Compare.com will handle the heavy lifting for you. Just enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Victoria.

Compare the cheapest quotes from dozens of insurance companies

Victoria Insurance FAQs

What factors affect car insurance quotes in Victoria?

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 driving record, credit score, marital status, and address.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

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

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Victoria or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes