Cheapest Car Insurance In Victoria, TX 2025
Texas Farm Bureau offers the most affordable minimum coverage car insurance in Victoria, averaging $30 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Searching for the most affordable car insurance in Victoria, TX, can reveal a wide range of options.
Texas Farm Bureau stands out as the top choice for affordable liability-only coverage. On the other hand, State Farm provides the best full coverage rates, while Direct Auto offers the lowest prices for young drivers.
Cheapest Car Insurance Companies In Victoria, TX 2025
Cheapest Liability-only Car Insurance In Victoria: Texas Farm Bureau
Texas Farm Bureau offers the lowest price for minimum coverage car insurance in Victoria, averaging $30 per month.
Refer to the table below for a comparison of rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $30 | $360 |
| State Farm | $39 | $468 |
| Mercury | $38 | $456 |
| Progressive | $51 | $612 |
| AAA Texas | $58 | $696 |
Cheapest Full Coverage Insurance Rates In Victoria: State Farm
State Farm offers the lowest full coverage car insurance rates in Victoria, with average monthly quotes of $88.
The following table shows average auto insurance quotes from budget-friendly providers in Victoria.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $88 | $1,056 |
| AAA Texas | $119 | $1,428 |
| Allstate | $130 | $1,560 |
| Progressive | $102 | $1,224 |
| Mercury | $132 | $1,584 |
Cheapest Car Insurance Rates For Seniors: Texas Farm Bureau
Texas Farm Bureau offers the lowest car insurance rates for seniors in Victoria, averaging $70 per month.
The table below displays average quotes from the most affordable auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $70 | $840 |
| State Farm | $100 | $1,200 |
| Nationwide | $115 | $1,380 |
| USAA | $107 | $1,284 |
| Mercury | $87 | $1,044 |
Cheapest Rates In Victoria For Teenagers: Direct Auto
Direct Auto offers the lowest car insurance rates for teenage drivers in Victoria, with average premiums of $125 per month.
The table below lists the companies offering the lowest car insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $125 | $1,500 |
| Texas Farm Bureau | $153 | $1,836 |
| Direct Auto | $124 | $1,488 |
| USAA | $245 | $2,940 |
| State Farm | $209 | $2,508 |
Cheapest Auto Insurance For Young Adults in Victoria: Direct Auto
Direct Auto provides the lowest car insurance rates for young adults in Victoria, averaging $88 per month.
Use the table below to compare the lowest auto insurance rates for young adults in Victoria.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $88 | $1,056 |
| Texas Farm Bureau | $109 | $1,308 |
| State Farm | $130 | $1,560 |
| Clearcover | $90 | $1,080 |
| USAA | $151 | $1,812 |
Cheapest Car Insurance In Victoria For Good Drivers: Texas Farm Bureau
Texas Farm Bureau offers the lowest car insurance rates for good drivers in Victoria, averaging $30 per month.
If you’re a safe driver, check the table below for average quotes from budget-friendly insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $30 | $360 |
| State Farm | $39 | $468 |
| Mercury | $38 | $456 |
| Progressive | $51 | $612 |
| AAA Texas | $58 | $696 |
Find affordable Victoria rates
Cheapest Car Insurance In Victoria After A Speeding Ticket: State Farm
State Farm offers some of the lowest rates in Victoria, with average monthly premiums of $85 for drivers with a speeding ticket.
Use the table below to compare average car insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $85 | $1,020 |
| Germania Insurance | $107 | $1,280 |
| Farm Mutual | $89 | $1,070 |
| GEICO | $190 | $2,280 |
| Southern Country Mutual | $134 | $1,610 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the lowest car insurance rates for drivers with an at-fault accident, averaging $99 per month.
Below are the car insurance companies offering the lowest rates for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $99 | $1,185 |
| Farm Bureau | $139 | $1,670 |
| Germania Insurance | $136 | $1,630 |
| GEICO | $173 | $2,070 |
| Southern County Mutual | $173 | $2,080 |
Cheapest Rates In Victoria For Drivers After A DUI: State Farm
State Farm offers the lowest car insurance rates for drivers with a DUI in Victoria, averaging $130 per month.
Use the table below to find the lowest car insurance rates for Victoria drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $130 | $1,565 |
| Farm Bureau | $174 | $2,090 |
| Southern County | $161 | $1,936 |
| GEICO | $190 | $2,280 |
| Germania Insurance | $231 | $2,770 |
Best Car Insurance Companies In Victoria
In Victoria, Texas Farm Bureau offers the cheapest car insurance at $30 per month, with Mercury at $38 and State Farm at $39.
Below is a ranking of the top 10 car insurance companies in Victoria, TX, based on their average monthly rates.
| Company | Monthly Premium |
| Texas Farm Bureau | $30 |
| State Farm | $39 |
| Mercury | $38 |
| Progressive | $51 |
| AAA Texas | $58 |
| GEICO | $68 |
| Allstate | $66 |
| National General | $62 |
| Germania Insurance | $98 |
| Southern County Mutual | $119 |
Average Auto Insurance Rates In Victoria – By Age
Age plays a major role in determining car insurance rates. Younger drivers often face higher premiums because they have less experience and are more likely to be involved in accidents or get traffic tickets. On average, teens pay about $3,807 annually for car insurance.
Once drivers turn 25, their car insurance rates typically drop, provided they have a clean driving history.
Drivers in their 50s and early 60s typically get the most competitive insurance rates, as insurers use age to gauge experience and risk when setting premiums.
| Age | Average Yearly Rate |
| Teenagers | $3,807 |
| 20s | $2,254 |
| 30s | $1,588 |
| 40s | $1,258 |
| 50s | $1,195 |
| 60s | $1,216 |
| 70s | $1,556 |
Average Rates In Victoria – By Vehicle
The kind of car you drive greatly impacts your insurance rates. Insurers consider details like the car’s make, model, year, and body style. Generally, newer luxury vehicles with advanced features cost more to insure due to higher replacement expenses.
Use the table below to compare average car insurance rates in Victoria by vehicle type.
| Vehicle | Average Monthly Rate |
| Ford Mustang | $91 |
| Chevrolet Traverse | $207 |
| Nissan Altima | $64 |
| Ford Ranger | $282 |
| Chevrolet Equinox | $123 |
Average Cost Of Auto Insurance In Victoria – By Zip Code
Insurers use ZIP codes to assess local crime rates, which is why car insurance premiums vary by ZIP code.
Use the table below to compare average car insurance rates by ZIP code in Victoria.
| City | Average Monthly Rate |
| 77901 | $124 |
| 77904 | $144 |
| 77385 | $138 |
| 77905 | $150 |
How Much Is Car Insurance In Other Cities in Texas?
Where you live has a major impact on your car insurance rates. Insurers consider local factors like accident frequency, theft rates, and vandalism, which tend to be higher in cities and drive up premiums.
In Houston, drivers typically pay about $192 per month for car insurance, whereas those in Austin spend around $145 monthly.
| City | Average Monthly Rate |
| Irving | $176 |
| Amarillo | $148 |
| Houston | $192 |
| Arlington | $161 |
| Fort Worth | $170 |
| Austin | $145 |
| El Paso | $159 |
| Beaumont | $154 |
| Dallas | $181 |
| Corpus Christi | $152 |
Find affordable Victoria rates
Our Methodology
After thoroughly analyzing customer service, coverage options, pricing, and online reviews, I’ve created a detailed overview of car insurance providers in Victoria, TX.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Victoria?
In Victoria, Texas Farm Bureau provides the cheapest rates for minimum coverage, while State Farm offers the most affordable full coverage, which includes comprehensive and collision.
What is the average cost of car insurance in Victoria?
In Victoria, the average monthly cost for car insurance is around $140, though your rate may vary depending on your ZIP code, vehicle type, driving history, and more.
