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How much is car insurance in Victoria?
|Area||Average Monthly Car Insurance Premium|
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. It's around $22 less to insure your vehicle compared to the average rate for the U.S. as a whole.
These may be the average auto insurance rates for Victoria, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
We've analyzed the average rate for Victoria and broken down the different factors to help you understand what exactly you might be asked to pay. 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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Victoria Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may begin to increase again in Victoria.
Victoria Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Victoria, male drivers pay about $8 more a month. Based on the chart above, you can see that male drivers pay $63 on average, while female drivers typically pay $55 each month.
Victoria Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Victoria, having a single accident on your record will usually get you rates around $80 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $73 on average.
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.
Victoria Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$55|
In Victoria, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $51 per month for auto insurance coverage.
SUV drivers will see rates of about $58, while the rates for car owners average out to about $61 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Victoria are vehicles two-to-three years old and eight-to-ten years old.
Victoria Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
On average, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Victoria is no exception, with the difference totaling to around $11 a month.
Victoria Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Victoria, expect to pay around $7 a month more than if you are a homeowner. Those who live with their parents, however, 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 Victoria, TX
Recent trends in car insurance for Victoria 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.
Car insurance rates in Victoria went up from 2017-2018, but leveled out in 2019. They decreased until 2020, when they reached a low of $43, and finished down in 2022, at $60 a month.
How does Victoria compare to neighboring areas?
Why are car insurance rates in Victoria different from other areas?
Car insurance companies will take into account numerous factors when deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Crime rates
- Community regulations
- Off-street parking accessibility
- Number of drivers
- Road Safety (how many accidents each locality has)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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.
Good news! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Victoria.
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Victoria Auto Insurance FAQs
What factors affect car insurance quotes in Victoria?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Victoria different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Victoria?
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 Victoria?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Victoria or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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