The best car insurance in Victoria, TX

By

Lena Borrelli

Lena Borrelli

Insurance Expert

Lena Borrelli is a freelance contributor at Policygenius. With a diverse professional background, Lena spent time in finance, web marketing, and hospitality before settling into full-time life as a freelance writer.

Published November 2, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and

how we make money.

The average cost of car insurance in Victoria is slightly lower than the average cost in Texas. Victoria car insurance costs an average of $1,757 per year compared to $1,840 per year in Texas. Still, your exact rates will vary from company to company and it’s important to compare rates from different insurers.

Ready to shop car insurance?

Start calculator

Policygenius can help you compare your options and choose the right insurance company for your needs.

Key Takeaways

  • Texas Farm Bureau has the lowest car insurance in Victoria, with an average cost of $973 per year

  • Germania Insurance has the lowest rate for Victoria drivers with bad credit, at $2,146 per year, on average

  • Drivers in Texas must carry a minimum amount of car insurance, including $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

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

Texas Farm Bureau

$973

--

State Farm

$1,065

881

Germania Insurance

$1,084

--

GEICO

$1,251

871

USAA

$1,484

890

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

77901

$1,759

77904

$1,750

77905

$1,761

Choosing the right car insurance company in Victoria, TX

In Victoria, the average cost of car insurance is $1,757 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 $4,129 when you purchase Texas Farm Bureau car insurance, while Germania Insurance premiums average almost $2,600 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

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

USAA

At-fault Accident

$1,656

$1,276

$1,511

$1,987

$2,385

DUI

$4,129

$1,710

$2,592

$2,194

$2,361

Driving with a suspended license

$1,689

$1,493

$2,051

$2,194

$2,190

Driving with an open container

$4,129

$1,624

$1,163

$2,194

$1,788

Driving with expired registration

$1,061

$1,081

$1,163

$1,488

$1,788

Driving without Lights

$1,061

$1,081

$1,163

$1,488

$1,788

Failure to show documents

$1,061

$1,081

$1,163

$1,488

$1,788

Failure to stop at a red light

$1,061

$1,081

$1,163

$1,488

$1,788

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

Germania Insurance

$2,146

State Farm

$2,221

Auto Club Group

$2,389

Texas Farm Bureau

$2,423

Mercury Insurance

$2,444

Ready to shop car insurance?

Start calculator

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 average cost of car insurance in Victoria?

The average cost of car insurance in Victoria is $1,757 per year, making it almost $100 cheaper than the average cost of car insurance in Texas.

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 $973 per year.

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 is the average cost of car insurance in Texas?

The average cost of Texas car insurance is $1,840 per year, making it one of the more expensive states in the U.S.

Methodology

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.