Best and Cheapest Home Insurance in Victorville, CA (2024)


In Victorville, CA, Allstate is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is best. 

Choosing the best inexpensive home insurance depends on what you value, such as costs or how a company helps when you have questions or problems.

MoneyGeek Logo IconBest HomeInsuranceVictorville, CA
2024

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Why Trust MoneyGeek? We used data from the California Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Victorville.

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In Victorville, home insurance rates represent the most favorable quotations as of September 2024.

2,730,240Quotes Analyzed
 
8Companies Compared

Overview: Best Home Insurance Companies in Victorville, CA

MoneyGeek found that Allstate is the best option in Victorville, CA, for home insurance with $100K dwelling coverage, scoring 83 out of 100. 

The scores for home insurance companies in Victorville range from 52 to 83. These figures are based on MoneyGeek's scoring system, and insurers may have different scores depending on your credit history and the age of your home.

Data filtered by:Results filtered by:
Select
Category:Best Overall
Select
Coverages:1 - $100K Dwelling
Allstate83$381
Travelers81$559
Chubb79$780
Farmers79$496
State Farm65$926
Capital Insurance Group54$702
Nationwide54$1,121

Overall Best Home Insurance in Victorville, CA

MoneyGeek found that Allstate is the best option in Victorville, CA, for $100K dwelling coverage. The two best overall home insurance companies in Victorville for $100K dwelling coverage are:

  • Allstate: MoneyGeek score of 83 out of 100 ($381 per year)
  • Travelers: MoneyGeek score of 81 out of 100 ($559 per year)

Allstate stands out as the best home insurance provider because it offers affordability and a balanced customer satisfaction score. 

Victorville, CA, homeowners have a choice among various companies, each offering different costs and service experiences. While affordability is key, other factors — such as customer support and coverage options — are important, especially when filing a claim.

Company logo for Allstate
Best OverallAllstate
MoneyGeek Score:
83/ of 100

Overview

Allstate scores high in affordability and customer satisfaction. Discounts like bundle and responsible payment help save money. Bundling home and auto policies can save up to 25%.

Allstate's cyber event/id theft coverage helps recover lost data and covers legal fees if your identity is stolen. Back-up of sewer or drain coverage protects against water damage from drain issues. These coverages are valuable for homeowners seeking extra protection.

Best Home Insurance for Customer Service in Victorville, CA

MoneyGeek found that Chubb offers the best customer service in home insurance in Victorville, CA, for $100K dwelling coverage. Here are the top providers for this coverage level:

  • Chubb: MoneyGeek score of 96 out of 100 ($780 per year)
  • Nationwide: MoneyGeek score of 81 out of 100 ($1,121 per year)

Chubb excels due to its high customer satisfaction and robust coverage options. Excellent service in home insurance means timely processing of claims and being responsive to your concerns and needs.

Company logo for Chubb
Best for Service QualityChubb
MoneyGeek Score:
96/ of 100

Overview

Chubb is the best for service quality, with high scores in satisfaction and coverage. You can save with discounts on new homes and home renovations. For example, you get a discount if your home was renovated within the last six years.

Chubb provides useful coverages like guaranteed replacement cost, which helps rebuild your home even if costs exceed your policy limit. Building ordinance or law coverage pays for updates to meet current codes. Cash settlement allows you to receive a payout if you choose not to rebuild after a total loss.

Best Cheap Home Insurance in Victorville, CA

MoneyGeek found that Allstate is the best cheap home insurance company in Victorville, CA, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:

  • Allstate: MoneyGeek score of 91 out of 100 ($381 per year)
  • Travelers: MoneyGeek score of 83 out of 100 ($559 per year)

Allstate stands out for its affordability and high customer satisfaction. It offers a lower premium while maintaining quality service. Often, choosing the best cheap home insurance involves opting for lower coverage limits, which saves money but might not suffice if significant damage occurs. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial. 

What sets the best cheap home insurance apart from the cheapest is its value for money, balancing cost with the coverage that meets a homeowner's needs without being expensive.

Company logo for Allstate
Best CheapAllstate
MoneyGeek Score:
91/ of 100

Overview

Allstate is the best cheap company with high scores in affordability and satisfaction. You can save with discounts like responsible payment, which rewards good payment history, and early payment, which saves you money when you sign up early.

It offers comprehensive home insurance with cyber event/ID theft, which helps if your identity is stolen, and back-up of sewer or drain coverages, which covers water damage from broken drains. Yard and garden increases limits for landscaping costs.

Estimate Your Victorville Home Insurance Costs Online

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Rates updated:

Dec 24, 2024

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Why You Can Trust MoneyGeek

Homeowners insurance in Victorville is influenced by several factors, with location being key. Comparing rates is the best way to save, but it can take over an hour to research three or more companies, as each can take up to 15 minutes. Use MoneyGeek's home insurance calculator to save instantly by evaluating important factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage and more for a quick rate estimate.

Cheapest Home Insurance in Victorville, CA

Allstate stands out in Victorville, CA, as the most cost-effective option for homeowners insurance. The following companies offer the lowest annual premiums in their respective dwelling coverage categories:

  • For 100K Dwelling Coverage: Allstate: $381 per year
  • For 250K Dwelling Coverage: Allstate: $776 per year
  • For 500K Dwelling Coverage: Allstate: $1,436 per year

Allstate stands out with the lowest premium and a high score in Victorville. The company offers competitive prices for different coverage amounts. Choosing the right amount of dwelling coverage is essential as it significantly affects the insurance premium.

Selecting the cheapest homeowners insurance in California can be a smart strategy to handle personal finances better.

Data filtered by:Results filtered by:
Select
Coverages:$100K Dwelling
Allstate$381
Farmers$496
Travelers$559
Capital Insurance Group$702
Chubb$780
State Farm$926
Nationwide$1,121

Cheapest Home Insurance for High-Value Homes in Victorville, CA

Allstate is the top choice for high-value home insurance in Victorville, California, for $750K dwelling coverage. High dwelling coverage is essential because homes that are costlier to replace require more protection, and home insurance costs are rising.

  • Cheapest for $750K Dwelling Coverage: Allstate: $2,114 per year
  • Cheapest for $1M Dwelling Coverage: Allstate: $2,809 per year

Allstate stands out due to its low premiums, making it the most affordable option in Victorville. According to MoneyGeek, while Allstate is the cheapest, it is also highly rated, hinting that affordable doesn't mean compromising on quality.

Data filtered by:Results filtered by:
Select
Coverages:1 - 750K dwelling
Allstate$2,114
Travelers$2,840
Capital Insurance Group$2,943
State Farm$4,499
Chubb$4,629
Farmers$5,229
Nationwide$5,797

Cheapest Home Insurance for New Homes in Victorville, CA

Farmers is the most affordable for dwelling coverage of $100K for new homes in Victorville, CA.

  • Cheapest for $100K Dwelling Coverage: Farmers: $234 per year
  • Cheapest for $250K Dwelling Coverage: Allstate: $502 per year
  • Cheapest for $500K Dwelling Coverage: Allstate: $873 per year

Farmers stands out as the cheapest homeowners insurance in Victorville because of its low annual premium for new homes. However, the cheapest option may not always be the best according to MoneyGeek.

Make sure you are adequately covered when choosing home insurance.

Data filtered by:Results filtered by:
Select
Coverages:1 - $100K Dwelling
Farmers$234
Allstate$277
Travelers$298
Nationwide$446
Capital Insurance Group$457
State Farm$462
Chubb$626

How to Find the Best Home Insurance for You in Victorville, CA

Securing the best cheap homeowners insurance is about finding a provider that delivers excellent customer service and comprehensive coverage at an affordable rate. Providers that achieve this balance offer peace of mind without breaking the bank, ensuring you are well protected from various risks to your home.

To guide you through the process, we outlined key factors to consider when seeking the best and most affordable homeowners insurance for your home.

  1. 1

    Evaluate Your Insurance Needs

    To determine how much home insurance coverage you need, consider the specifics of your Victorville, CA, home, including rebuilding costs, personal property value and liability requirements.

  2. 2

    Compare Different Providers

    Research insurance companies operating in Victorville, CA. Look for those with strong financial stability, positive customer reviews and a history of quality service.

  3. 3

    Compare Coverage and Costs

    Once you understand your coverage needs, compare home insurance quotes. In Victorville, CA, premiums for $100K dwelling coverage range from $381 to $926 annually.

  4. 4

    Ask About Discounts

    Inquire with each provider about potential discounts, such as those for policy bundling, safety feature installations or maintaining a claims-free record.

  5. 5

    Increase Your Deductible

    Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can cover in case of a claim.

  6. 6

    Improve Home Security

    Enhancing your home's security with systems and sturdy locks can lower its risk profile and potentially decrease insurance costs.

  7. 7

    Maintain Good Credit

    Keep a strong credit score as it impacts your insurance rates in Victorville, CA. Ensure timely bill payments and manage debt effectively.

  8. 8

    Bundle Policies

    Consider combining your homeowners insurance with other policies, like auto insurance, to achieve potential savings through discounts.

FAQ: Best Cheap Home Insurance in Victorville, CA

The best cheap home insurance provider for you in Victorville ultimately depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Victorville, California.

How much is home insurance in Victorville, CA, on average?

What is the cheapest home insurance company in Victorville, CA?

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About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.