Victoria Insurance Review & Complaints: Auto Insurance (2024)

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Victoria Auto Insurance Overview

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

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

Let’s move on to what Victoria Insurance offers.

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 Discounts by Company

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.

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.

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.