Victoria Insurance Review & Complaints: Auto Insurance (2024)
Victoria Insurance reviews can be difficult to find as the company focuses on non-standard (high-risk) insurance. Victoria Insurance is a subsidiary of Nationwide, and is licensed to operate in 39 states though it currently only offers coverage in 26.
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Shawn Laib
Insurance and Finance Writer
Since graduating from the University of WA with a B.A. in English Literature, Shawn has been professionally writing in the spheres of entertainment, insurance, business, marketing, and politics. He is passionate about using his writing skills and insurance knowledge to educate the general population on everyday issues surrounding these misunderstood topics. His work has been published on SUPERJ...
Insurance and Finance Writer
UPDATED: Sep 20, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Victoria Auto Insurance Overview
| Key Info | Details |
|---|---|
| Phone Number | 440-461-3461 |
| Company Address | One West Nationwide Blvd. Columbus, OH 43215 |
| Parent Company | Nationwide |
| Total Property & Casualty Direct Premiums Written | $1,560,179 |
| Total Property & Casualty Market Share | 0.01% |
Victoria Insurance is a group of companies headquartered in Ohio and caters to the non-standard automobile insurance market. It offers coverage to higher-risk drivers in 26 states. The Victoria specialty insurance claims department is open 24 hours a day for customer convenience and is comparable to Titan Insurance (read our “Titan insurance review” for more information). And National General Insurance.
We understand that finding the best insurance companies for your various needs can be a bit of a hassle. If you’re looking at Victoria Insurance Company as an option but are unsure if it’s right for you, we can help. From filing claims to where they operate, we have it all covered here. Wondering “Where can I find Victoria Insurance near me?” We’ll answer that too.
Before jumping into our Victoria Insurance review, feel free to type your ZIP code into our tool above to find rates in your area.
Victoria Insurance Car Insurance Rates
Victoria Insurance Group was founded in Cleveland, Ohio in 1983, and primarily offered credit-related insurance products. In 1986, the company moved into the non-standard auto insurance market and expanded into several other states over the following years. Victoria Fire & Insurance is a part of the same group.
Victoria Automobile Insurance Company was acquired first by USF&G in 1995. When that company went out of business in 1998, all of its holdings were acquired by the St. Paul Companies.
Victoria was sold off to Prudential in 2000, and three years later was once again purchased by Nationwide Insurance. Although nearly every company purchased by Nationwide over the past decade has been re-branded to the Nationwide name, Victoria Insurance Group retained its name. However, its website is no longer operational. This includes the Victoria Insurance agent login portal.
There are five separate companies that makeup Victoria Insurance Group: Victoria Automobile Insurance, Victoria National Insurance, Victoria Specialty Insurance, Victoria Select, and Victoria Fire & Casualty Company, all Nationwide owned.
The following table shows the market share and loss ratios for multiple branches of Victoria Insurance.
Victoria Auto Insurance Market Share, Direct Premiums Written, & Loss Ratios
| Line | Market Share | Direct Premiums Written | Loss Ratio |
|---|---|---|---|
| Total Private Passenger Automobile | 0.02% | $1,541,402 | 45.96 % |
| Private Passenger Auto Liability Bodily Injury | 0.03% | $520,596 | 24.81 % |
| Private Passenger Auto Liability Property Damage | 0.03% | $465,384 | 55.86 % |
| Private Passenger Auto Medical Payments | 0.02% | $28,919 | 11.43 % |
| Private Passenger Uninsured Motorists | 0.07% | $166,888 | 59.68 % |
| Private Passenger Underinsured Motorists | 0.00% | $8,984 | -73.34 % |
| Private Passenger Auto Comprehensive | 0.01% | $102,407 | 44.81 % |
| Private Passenger Auto Collision | 0.01% | $248,224 | 71.10 % |
| Total Commercial Automobile | 0.00% | $18,777 | -5.85 % |
| Commercial Auto Liability Bodily Injury | 0.00% | $12,121 | -5.70 % |
| Commercial Auto Liability Property Damage | 0.00% | $0 | N/A |
| Commercial Auto Medical Payments | 0.00% | $113 | -10.29 % |
| Commercial Auto Uninsured Motorists | 0.00% | $1,609 | -6.16 % |
| Commercial Auto Comprehensive | 0.00% | $1,418 | -1.24 % |
| Commercial Auto Collision | 0.00% | $3,516 | -1.40 % |
Let’s move on to which states and locales Victoria Insurance operates in.
What is Victoria Insurance availability by state?
The company is authorized to do business in 39 states but currently operates in only 26 of those. Policies are sold through independent agents across the service area.
The following table shows the states in which Victoria is authorized to do business and the average auto insurance rates you can expect to pay in each state.
Average Annual Auto Insurance Rates Where Victoria Insurance Does Business
| States | Average Annual Rates |
|---|---|
| Virginia | $2,357.87 |
| West Virginia | $2,595.36 |
| Massachusetts | $2,678.85 |
| Ohio | $2,709.71 |
| Idaho | $2,979.09 |
| Iowa | $2,981.28 |
| Washington | $3,059.32 |
| Wyoming | $3,200.08 |
| Montana | $3,220.84 |
| Kansas | $3,279.62 |
| Nebraska | $3,283.68 |
| Illinois | $3,305.48 |
| Missouri | $3,328.93 |
| Indiana | $3,414.97 |
| New Mexico | $3,463.64 |
| Oregon | $3,467.77 |
| Alabama | $3,566.96 |
| Wisconsin | $3,606.06 |
| Utah | $3,611.89 |
| Tennessee | $3,660.89 |
| Mississippi | $3,664.57 |
| California | $3,688.93 |
| Arizona | $3,770.97 |
| South Carolina | $3,781.14 |
| Colorado | $3,876.39 |
| South Dakota | $3,982.27 |
| Pennsylvania | $4,034.50 |
| Texas | $4,043.28 |
| Arkansas | $4,124.98 |
| Oklahoma | $4,142.33 |
| North Dakota | $4,165.84 |
| New York | $4,289.88 |
| Minnesota | $4,403.25 |
| District of Columbia | $4,439.24 |
| Maryland | $4,582.70 |
| Connecticut | $4,618.92 |
| Florida | $4,680.46 |
| Nevada | $4,861.70 |
| Georgia | $4,966.83 |
| Kentucky | $5,195.40 |
Let’s move on to what Victoria Insurance offers.
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Victoria Insurance Car Insurance Coverages Offered
Victoria Insurance writes both personal and commercial auto insurance, although availability varies by state. The company website offers very limited information on the products. Victoria Insurance quotes are not available online.
Personal auto insurance from Victoria is aimed at the non-standard market, which means the company accepts drivers that are unable to obtain insurance elsewhere.
What is the difference between a standard and non-standard insurance company? This usually includes drivers with multiple tickets and accidents or serious violations, credit problems, international driver’s licenses, or other issues that can result in being denied coverage on the standard market. Nonstandard insurance from Victoria has much of the same coverage.
The following video shows just how much one ticket can affect your insurance. Non-standard market customers have usually accrued so many that standard insurers won’t accept them.
The website offers no details on the personal policy, stating only that it offers competitive rates and low down payments.
Although it likely offers full coverage car insurance policies, non-standard insurance companies frequently do a lot of business in bare-bones, liability only policies due to the high cost of coverage for high-risk drivers.
The following video further explains full coverage car insurance.
https://www.youtube.com/watch?time_continue=7&v=PiYyLELU5l4&feature=emb_logo
Victoria Insurance also offers commercial auto insurance. Like the personal auto product, there is limited information available regarding the commercial auto policy. Commercial policies are only offered in 15 states.
Online quoting is not offered by Victoria Insurance, which is not at all surprising given the nature of the company’s business.
Rate quotes can only be obtained by calling a local agent. We would not expect to see rates from Victoria that are in any way competitive with standard insurance companies. Victoria’s premiums should only be compared with other non-standard insurance companies.
What are Victoria Insurance’s bundling options?
As of this writing, Victoria Insurance does not have information regarding bundling options. Should you choose to contact the company to speak with an agent about setting up a policy, it would stand to reason that Victoria would discuss bundling with you.
What discounts are offered by Victoria Insurance?
Many insurers offer discounts for personal aspects of a customer such as their loyalty, age, environmental friendliness, accident avoidance, etc. While Victoria Insurance does not list any specific discounts, we can look at a table showing available discounts provided by many other insurers.
Car Insurance Discount Savings Potential by Provider
| Discount Name |  |  |  |  |  |  |  |  |  |  |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Adaptive Headlights | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Anti-lock Brakes | 10% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | NA | NA |
| Anti-Theft | 10% | 5% | NA | 23% | 20% | 25% | 5% | 15% | NA | NA |
| Claim Free | 35% | 5% | 5% | 26% | 5% | 10% | 5% | 15% | 23% | 12% |
| Continuous Coverage | NA | 5% | 5% | NA | 5% | 5% | 5% | 5% | 15% | 5% |
| Daytime Running Lights | 2% | NA | 5% | 3% | 5% | 5% | 5% | 5% | NA | NA |
| Defensive Driver | 10% | 10% | 5% | 5% | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | 5% | 5% | 5% | 5% | 10% | 5% | NA | 7% | NA |
| Driver's Ed | 10% | 5% | 5% | 5% | 10% | 5% | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | 5% | 5% | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | 5% | 5% | 5% | 5% | 8% | 5% | 5% | 10% | 12% |
| Electronic Stability Control | 2% | 5% | 5% | 5% | 5% | NA | 5% | 5% | 5% | 5% |
| Emergency Deployment | 5% | 5% | 5% | 25% | 5% | 5% | NA | 5% | 5% | 5% |
| Engaged Couple | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Family Legacy | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 10% |
| Family Plan | 5% | 5% | 5% | 5% | 25% | 25% | 5% | 5% | 5% | 5% |
| Farm Vehicle | 10% | 5% | 5% | NA | 5% | 5% | NA | 5% | 5% | 5% |
| Fast 5 | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Federal Employee | 5% | 5% | NA | 12% | 10% | 5% | NA | 5% | 5% | 5% |
| Forward Collision Warning | 5% | 5% | 5% | 5% | 5% | NA | 5% | 5% | 5% | 5% |
| Full Payment | 10% | 5% | 5% | NA | $50 | 5% | 5% | 5% | 8% | 5% |
| Further Education | 5% | 5% | NA | NA | 10% | 15% | NA | 5% | NA | 5% |
| Garaging/Storing | 5% | 5% | 5% | NA | 5% | 5% | 5% | 5% | NA | 90% |
| Good Credit | NA | 5% | 5% | 5% | NA | 5% | NA | 5% | 5% | 5% |
| Good Student | 20% | 5% | NA | 15% | 23% | 10% | 5% | 25% | 8% | 3% |
| Green Vehicle | 10% | 5% | 5% | 5% | 10% | 5% | 5% | 5% | 10% | 5% |
| Homeowner | 5% | 5% | 5% | NA | 5% | 5% | 5% | 3% | 5% | 5% |
| Lane Departure Warning | 5% | 5% | 5% | 5% | NA | 5% | 5% | 5% | 5% | 5% |
| Life Insurance | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Low Mileage | NA | 5% | NA | 5% | NA | NA | 5% | 30% | NA | NA |
| Loyalty | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Married | 5% | 5% | 5% | 5% | NA | NA | 5% | NA | 5% | 5% |
| Membership/Group | 5% | 5% | 5% | NA | 10% | 7% | NA | 5% | NA | 5% |
| Military | NA | 5% | 5% | 15% | 4% | 5% | NA | NA | 5% | 5% |
| Military Garaging | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 15% |
| Multiple Drivers | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Multiple Policies | 10% | 29% | 5% | 10% | 20% | 10% | 12% | 17% | 13% | 5% |
| Multiple Vehicles | NA | 5% | 5% | 25% | 10% | 20% | 10% | 20% | 8% | NA |
| New Address | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| New Customer/New Plan | 5% | 5% | 5% | 5% | NA | 5% | 5% | 5% | 5% | 5% |
| New Graduate | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| New Vehicle | 30% | 5% | 5% | 15% | 5% | NA | 5% | 40% | 10% | 12% |
| Newly Licensed | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Newlyweds | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Non-Smoker/Non-Drinker | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Occasional Operator | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | NA |
| Occupation | NA | 5% | NA | NA | 10% | 15% | 5% | 5% | NA | 5% |
| On-Time Payments | 5% | 5% | NA | 5% | 5% | 5% | 5% | 5% | 15% | 5% |
| Online Shopper | 5% | 5% | 5% | 5% | 5% | 5% | 7% | 5% | 5% | 5% |
| Paperless Documents | 10% | 5% | NA | 5% | 5% | 5% | $50 | 5% | 5% | 5% |
| Paperless/Auto Billing | 5% | 5% | NA | 5% | 5% | $30 | 5% | $20 | 3% | 3% |
| Passive Restraint | 30% | 30% | NA | 40% | NA | 20% | 5% | 40% | NA | NA |
| Recent Retirees | 5% | 5% | 5% | 5% | 4% | 5% | 5% | 5% | 5% | 5% |
| Renter | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Roadside Assistance | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Safe Driver | 45% | 5% | NA | 15% | 5% | 35% | 31% | 15% | 23% | 12% |
| Seat Belt Use | 5% | 5% | 5% | 15% | 5% | 5% | NA | 5% | 5% | 5% |
| Senior Driver | 10% | 5% | NA | 5% | 5% | 5% | 5% | 5% | 5% | NA |
| Stable Residence | 5% | 5% | 5% | 5% | 5% | NA | 5% | 5% | 5% | 5% |
| Students & Alumni | 5% | 5% | 5% | NA | 10% | 7% | NA | 5% | 5% | 5% |
| Switching Provider | 5% | NA | 5% | 10% | 5% | 10% | 5% | NA | 5% | 5% |
| Utility Vehicle | 15% | 5% | 5% | NA | 5% | 5% | NA | 5% | 5% | 5% |
| Vehicle Recovery | 10% | 5% | 5% | 15% | 35% | 25% | 5% | 5% | NA | NA |
| VIN Etching | 5% | 5% | 5% | 5% | 5% | NA | 5% | 5% | NA | NA |
| Volunteer | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Young Driver | 5% | 5% | 5% | 5% | NA | 5% | 5% | 5% | 5% | $75 |
As you can see, discounts and saving money for being accident-free is very prevalent, as are good student discounts. The following video shows details on student discounts.
If you were to inquire about bundling options, these could also be discounts worth inquiring about should they apply to you.
What programs are available from Victoria Insurance?
Many insurers also have programs available — such as learning centers, coupons, and company-related apps — that can help save you money. What about Victoria Insurance Services?
While Victoria Insurance has no available information about such offered programs, these too would be worth inquiring about should you go with Victoria.
Canceling Your Victoria Insurance Car Insurance Policy
Victoria Insurance does not list any information on an existing cancellation policy or any fees and associated refunds. Should you choose to go with Victoria Insurance, this is absolutely a question to ask your agent prior to signing any documentation. The Victoria Insurance phone number is 1-786-999-8516.
Victoria Insurance Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Victoria Insurance provides its customers with a straightforward process for filing claims. The company’s specialty insurance claims department operates 24/7, ensuring that customers can report claims at any time for their convenience.
Whether you prefer to file a claim online, over the phone, or through mobile apps, Victoria Insurance offers multiple options to make the process as hassle-free as possible.
Average Claim Processing Time
When it comes to the speed of processing claims, Victoria Insurance strives to provide efficient service. The company assigns a claims adjuster within one business day of receiving a claim report, and that adjuster aims to make contact with the insured within 24 hours of assignment.
While the exact processing time may vary depending on the nature of the claim, Victoria Insurance is committed to handling claims promptly and professionally.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a crucial role in assessing the quality of an insurance company’s claims process. Victoria Insurance, although not extensively reviewed, has generally received positive feedback regarding its claim resolutions and payouts.
While there may be limited information available, the company’s backing by Nationwide Insurance and its reputation for financial stability contribute to customer confidence in their claim resolutions.
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Victoria Insurance Digital and Technological Features
Mobile App Features and Functionality
Victoria Insurance understands the importance of staying connected with its customers. While specific details about its mobile app features and functionality are not provided in the content, it’s evident that the company values digital solutions.
Customers can likely expect a user-friendly mobile app that allows them to access their policy information, make payments, and potentially file claims conveniently from their mobile devices.
Online Account Management Capabilities
For policyholders looking for convenient online account management, Victoria Insurance offers options to access and manage their policies online. While the content doesn’t delve into the specifics, customers can typically expect to view and update their policy details, review payment history, and access important documents through the company’s online portal.
Digital Tools and Resources
Victoria Insurance recognizes the importance of providing digital tools and resources to assist its customers. While the content doesn’t provide specific details about these tools, customers can expect access to valuable resources such as educational materials, insurance calculators, and potentially even tools for estimating insurance costs.
Victoria Insurance: Car Insurance Ratings
At the time of this review, the Better Business Bureau (BBB) page for Victoria Insurance showed that the company was not rated and not accredited. The page states that the BBB does not have enough information to provide a rating.
Victoria’s parent company is Nationwide, which means that complaints may well be appearing on the parent company BBB record as opposed to on the company’s own page.
That was the case the last time we provided a review of this company, at which time the BBB did not appear to operate a separate page for Victoria; that no longer appears to be the case in the most recent update to the BBB site.
Victoria does not really use the Nationwide name anywhere on the site, so it seems somewhat unlikely that policyholders would be filing complaints under that name.
There are a few scattered reviews of car insurance reviews of Victoria out there, but not a whole lot of useful information. Of the two negative reviews on Google, one cites rate increases and the other offers no explanation for the low rating.
The two complaints on Pissed Consumer are similarly unhelpful, with one of the two showing that the policyholder did not realize her use of a false address for her car insurance would result in her claim being denied — certainly not something that reflects on Victoria.
Overall, we found very little in the way of useful information in regard to this company’s reputation. Your one-stop online insurance guide. Get free quotes now!
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Victoria Auto Insurance: The Bottom Line
If you are in need of non-standard car insurance coverage, Victoria may be worth a look. Their backing by Nationwide gives them financial stability, and we found no red flags in terms of their reputation. With little to go on it is difficult to create any sort of real opinion of this company, but since non-standard choices are limited, it may be a good choice.
Feel free to type in your ZIP code below to search for cheap quotes for non-standard coverage.
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Frequently Asked Questions
What is Victoria Insurance?
Victoria Insurance is an auto insurance company that provides coverage for vehicles and drivers. They offer a range of insurance policies and services to protect individuals and their vehicles from various risks and liabilities.
Are there any customer reviews available for Victoria Insurance?
Yes, there are customer reviews available for Victoria Insurance. It is always a good practice to research and read reviews from current and past customers to get an understanding of their experiences with the company.
Where can I find customer reviews for Victoria Insurance?
Customer reviews for Victoria Insurance can typically be found on various online platforms, such as review websites, social media platforms, and insurance forums. Additionally, you can check the Better Business Bureau (BBB) website for any complaints or ratings.
What are some common complaints about Victoria Insurance?
Common complaints about Victoria Insurance may vary depending on individual experiences. However, some common complaints may include difficulty with the claims process, delays in claim settlements, customer service issues, premium increases, or disputes over coverage.
How can I file a complaint against Victoria Insurance?
If you have a complaint against Victoria Insurance, it is recommended to contact their customer service department directly. They will provide guidance on the complaint resolution process. Alternatively, you can also reach out to your state’s insurance regulatory agency to file a complaint if necessary.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Shawn Laib
Insurance and Finance Writer
Since graduating from the University of WA with a B.A. in English Literature, Shawn has been professionally writing in the spheres of entertainment, insurance, business, marketing, and politics. He is passionate about using his writing skills and insurance knowledge to educate the general population on everyday issues surrounding these misunderstood topics. His work has been published on SUPERJ...
Insurance and Finance Writer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.