Cheap Car Insurance in Victoria, Texas ( With 2024 Rates)

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Lowest Premium

$351 / YEAR

Average Premium

$524 / YEAR

Highest Premium

$855 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Victoria is around $524 and can go upto $855. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

$30,000 coverage for all types of bodily injury suffered by one individual in one accident
Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
Damage to property or injury to others in one accident is $25,000.

Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

Company	Annual premium (50/100/50)	Market share	Complaints
Geico	$350	6.00% ($1,151,485,019)	1
Farmers	$385	7.98% ($1,530,613,603)	2
State Farm	$390	16.03% ($3,074,590,659)	119
Allstate	$495	7.38% ($1,416,050,038)	4
Liberty Mutual	$550	4.36% ($836,938,040)	64
Progressive	$660	8.75% ($1,678,264,745)	0

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Car Insurance Rates in Victoria by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Victoria. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

Zip	Avg. Premium
77901	$513
77902	$521
77905	$543

Insurance Agents in Victoria, TX and Near by

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GSM Insurors

118 N Main St Ste A, Victoria, TX 77901

(361) 570-6510

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Area Low Cost Insurance Agency

1803 N Navarro St, Victoria, TX 77901

(361) 578-7160

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Hector Gutierrez

1809 N Navarro St, Victoria, TX 77901

(361) 573-2258

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Bruce Woods

1904 N Navarro St, Victoria, TX 77901

(361) 580-3276

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Hinash LLC

1206 E Rio Grande St, Victoria, TX 77901

(361) 582-4000

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Paul Summers Jr

1903 N Laurent St, Victoria, TX 77901

(361) 573-5353

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Easley Insurance Agency

1203 E Red River St, Victoria, TX 77901

(361) 573-9104

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TIA - Texas Insurance Agency

1406 E Rio Grande St Ste A, Victoria, TX 77901

(361) 575-6444

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Norman Carver

104 N Laurent St, Victoria, TX 77901

(361) 575-0575

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Marisela Garza Insurance Agency

2904 N Main St, Victoria, TX 77901

(361) 485-2663

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Hamilton-Sadler Insurance Agency

1001 E Airline Rd, Victoria, TX 77901

(361) 576-1165

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Janecka Insurance Agency

2001 E Sabine St Ste 109, Victoria, TX 77901

(361) 573-4475

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Atzenhoffer Insurance Agency

3211 N Navarro St, Victoria, TX 77901

(361) 582-2742

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Leslie Marie Peralez

3606a N Laurent St, Victoria, TX 77901

(361) 541-5838

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Acceptance Auto Insurance

3708 N Navarro St Ste H, Victoria, TX 77901

(361) 485-2151

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Russell Buesing

1811 Sam Houston Dr, Victoria, TX 77901

(361) 485-2049

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Gary Breech

903 Sam Houston Dr, Victoria, TX 77901

(361) 578-7171

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Pat Pachta

4508 N Laurent St, Victoria, TX 77901

(361) 575-8825

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Calvin Schoppe

101 Palmwood Dr Ste 2e, Victoria, TX 77901

(361) 573-1100

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VIG Texas

2014 John Stockbauer Dr, Victoria, TX 77901

(361) 485-9509

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Medina Insurance Agency

3410 John Stockbauer Dr Ste D, Victoria, TX 77901

(361) 578-2828

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8.63 mi

Jess Williams

1303 E Mockingbird Ln, Victoria, TX 77904

(361) 572-8300

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8.63 mi

James Keener

1501 E Mockingbird Ln Ste 103, Victoria, TX 77904

(361) 582-4044

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8.63 mi

Joe N Pratt Insurance

1501 E Mockingbird Ln Ste 406, Victoria, TX 77904

(361) 576-2186

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8.63 mi

Roland Grote

4702 N Laurent St Ste A, Victoria, TX 77904

(361) 573-9135

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8.63 mi

Ai United Insurance

4905 N Navarro St, Victoria, TX 77904

(361) 575-4444

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8.63 mi

Texas Farm Bureau Insurance

511 E Magruder Dr, Victoria, TX 77904

(361) 578-3651

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8.63 mi

Goosehead Insurance - Curtis Wall

5606 N Navarro St Ste 300, Victoria, TX 77904

(361) 788-3226

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8.63 mi

Jane Schulz

5606 N Navarro St Ste 207, Victoria, TX 77904

(361) 575-9400

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8.63 mi

Martin & Martin Insurance Agency

5907 N Navarro St, Victoria, TX 77904

(361) 576-5278

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8.63 mi

Carter's Insurance

3109 E Mockingbird Ln, Victoria, TX 77904

(361) 575-5858

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8.63 mi

JHC Insurance Agency

4611 E Airline Rd Ste 102, Victoria, TX 77904

(361) 485-1900

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8.63 mi

Cody Edwards

3606 John Stockbauer Dr, Victoria, TX 77904

(361) 580-3295

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8.63 mi

Higginbotham - Swantner & Gordon

3902 John Stockbauer Dr Ste A, Victoria, TX 77904

(361) 573-9151

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8.63 mi

Frost Insurance

6835 N Main St, Victoria, TX 77904

(361) 578-3691

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8.63 mi

Gary Kofron

6412 N Navarro St Ste B, Victoria, TX 77904

(361) 575-6900

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8.63 mi

Eli Sauseda

6605 N Navarro St Ste B, Victoria, TX 77904

(361) 485-1702

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8.63 mi

Jim Steelhammer

5003 John Stockbauer Dr Ste H, Victoria, TX 77904

(361) 578-4045

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8.63 mi

Texas Associates Insurors

10301 NE Zac Lentz Pkwy, Victoria, TX 77904

(361) 433-0065

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8.63 mi

Dwayne Moore

8607 N Navarro St Ste D, Victoria, TX 77904

(361) 579-9311

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Learn More About Car Insurance in Victoria, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered	24,527,939
Total uninsured motorists	14.1%
Estimated economic loss of all vehicle crashes	$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
Collision covers for the expenses on your car caused by accident.
Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
Medical payments cover your's and your passenger's medical bills
Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
Towing and labor covers for the pay for towing your car and labor cost.
Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.

Cheap Car Insurance in Victoria, Texas (With 2024 Rates)