The average cost of car insurance in Victoria is slightly lower than the average cost in Texas. Victoria car insurance costs an average of $1,737 per year compared to $1,818 per year in Texas. Still, your exact rates will vary from company to company and it’s important to compare rates from different insurers.
Policygenius can help you compare your options and choose the right insurance company for your needs.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Victoria, TX
Price is an important consideration when shopping for car insurance in Victoria. Your car insurance premium is calculated based on a series of specific factors, including your credit score, driving record, and how much you drive each year. The type of coverage you choose, including any optional coverage, also helps determine how much you pay for auto insurance. These are the best car insurance companies in Victoria, Texas.
Company | Average cost | JD Power Rating |
|---|---|---|
Farm Bureau | $978 | -- |
State Farm | $991 | 882 |
Germania Insurance | $1,176 | -- |
GEICO | $1,342 | 874 |
Southern County Mutual | $1,429 | -- |
Cheapest car insurance rates by ZIP code in Victoria, TX
Where you live can also determine how much you pay for your car insurance. Due to its close proximity to the Gulf of Mexico, flooding can be a concern in Victoria. The prevalence of crimes like theft and vandalism can also lead to higher insurance premiums in Victoria because insurance companies must account for the higher risk in a particular area.
ZIP code | Average cost |
|---|---|
77904 | $1,728 |
77901 | $1,733 |
77905 | $1,748 |
Choosing the right car insurance company in Victoria, TX
In Victoria, the average cost of car insurance is $1,737 per year, but you could find cheaper car insurance rates from the right car insurance company. How much you pay for car insurance depends on several factors, such as the car you drive, how often you drive, and your driving history. Another critical factor in finding the right car insurance company is the type of coverage available. Some companies may offer optional coverage, such as emergency roadside assistance or rideshare insurance.
When choosing a car insurance company, be sure to consider any special protections you may need and which companies offer them. Policygenius allows you to compare policies and prices from multiple insurance providers so you can make the right decision for your needs.
Car insurance rates for drivers with driving violations in Victoria, TX
Your driving record is one of the first factors a car insurance company considers when calculating the cost of your insurance. Driving with an open container could cost you as much as $2,085 when you purchase Texas Farm Bureau car insurance, while Germania Insurance premiums average almost $2,275 with a DUI on your record. By comparing quotes from multiple Victoria car insurance companies, you could save money on your car insurance, especially if you have certain violations on your driver record.
Violation | Farm Bureau | State Farm | Germania Insurance | GEICO | Southern County Mutual |
|---|---|---|---|---|---|
At-fault accident | $1,665 | $1,178 | $1,625 | $2,061 | $2,161 |
DUI | $2,085 | $1,558 | $2,762 | $2,275 | $1,914 |
Suspended license | $1,066 | $1,368 | $2,192 | $2,275 | $1,914 |
Open container | $2,085 | $1,481 | $1,260 | $2,275 | $1,914 |
Expired registration | $1,066 | $1,007 | $1,260 | $1,570 | $1,605 |
Driving without lights | $1,066 | $1,007 | $1,260 | $1,570 | $1,605 |
Running a red light | $1,066 | $1,007 | $1,260 | $1,570 | $1,605 |
Following too closely | $1,066 | $1,007 | $1,260 | $1,570 | $1,605 |
Hit and run | $1,066 | $1,558 | $2,762 | $2,275 | $1,914 |
Not-at-fault accident | $1,066 | $1,007 | $1,311 | $1,319 | $1,501 |
Passing a school bus | $1,066 | $1,007 | $1,260 | $1,570 | $1,914 |
Reckless driving | $1,066 | $1,558 | $2,762 | $2,275 | $1,914 |
Speeding | $1,066 | $1,007 | $1,260 | $2,275 | $1,605 |
Cheapest car insurance for drivers with a DUI in Victoria, TX
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,558 |
Southern County Mutual | $1,914 |
Farm Bureau | $2,085 |
GEICO | $2,275 |
Germania Insurance | $2,762 |
Cheapest car insurance for drivers with a speeding ticket in Victoria, TX
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $1,007 |
Farm Bureau | $1,066 |
Germania Insurance | $1,260 |
Southern County Mutual | $1,605 |
GEICO | $2,275 |
Cheapest car insurance for drivers with bad credit in Victoria, TX
On average, drivers with bad credit tend to pay more for car insurance. Poor credit can be an indicator that you have struggled with making timely payments, and studies have shown a link between people’s credit scores and their likelihood of filing an insurance claim. When insurance companies see a driver with bad credit, they tend to charge more in auto insurance premiums to help cover the added liability they assume.
However, Texas does have limits on what information an insurer can use from your credit report. For example, an insurance company in Victoria can’t consider medical debt in collections when determining your rates.
Company | Rates for drivers with bad credit |
|---|---|
Redpoint County Mutual | $1,689 |
Germania Insurance | $2,323 |
Farm Bureau | $2,437 |
Mercury Insurance | $2,477 |
Auto Club | $2,487 |
Buying car insurance in Victoria, TX
In Victoria, drivers are required to carry a minimum amount of car insurance based on Texas law. The Modified Comparative Negligence Law states that drivers in Texas may not seek compensation when they are found more than 51% responsible for an accident. If you do not have adequate insurance, you could be financially liable for all of the damages, risking financial devastation.
Texas is an at-fault state, which requires drivers to pay for any damages they are responsible for creating. If you are found at fault for an accident, you will also be liable for any injuries incurred. If you are in an accident with an uninsured driver, you may not be able to collect compensation for injuries and damages. This is why underinsured and uninsured motorist coverage can be so important for auto insurance.
Drivers in Victoria must maintain a minimum amount of car insurance that includes the following coverage:
$30,000 in bodily injury liability per person
$60,000 in bodily injury liability per accident
$25,000 in property damage liability per accident
However, it is always a good idea to carry more than just the minimum required coverage so you can be sure you are protected in case of a major accident.
How to get cheap car insurance in Victoria, TX
Even with the cheapest car insurance rates in Victoria, you can still lower the cost of your car insurance with a few helpful tips.
Keep a clean driving record: If you have a driving record void of any major incidents, you are likely to receive lower car insurance rates than someone with a poor driving history.
Make all your payments: You could receive extra savings when you pay in full for your policy, renew your policy before it expires, or enroll in paperless statements.
Look for discounts: Most car insurance companies offer auto insurance discounts, such as special savings when you are a safe driver, take a defensive driving course, or are in the military.
Increase your deductible: When you choose a higher deductible, you will receive lower monthly premiums, but that also means greater financial responsibility if you incur serious damages.
You can also save money when you bundle your home and auto insurance from the same company.
Frequently asked questions
What is the cheapest car insurance company in Victoria?
Texas Farm Bureau is the cheapest car insurance company in Victoria, with an average cost of $978 per year.
What is the average cost of car insurance in Victoria?
The average cost of car insurance in Victoria is $1,737 per year, making it cheaper than the average cost of car insurance in Texas.
How much car insurance do I need in Victoria?
Texas law requires all drivers to have coverage of at least $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident.
What happens if you don't have car insurance in Victoria, Texas?
If you're caught driving without car insurance coverage in Victoria, Texas, you could face fines and a suspended license. Additionally, you'd have to pay another fee to reinstate your license — and you'd pay more for insurance in the future.
