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Victoria Insurance Review

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UPDATED: Nov 30, 2018

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Victoria Insurance
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Victoria Insurance is a group of companies headquartered in Ohio and catering to the non-standard automobile insurance market. They offer coverage to higher risk drivers in 26 states.

About Victoria Insurance

Victoria Insurance Group was founded in Cleveland, Ohio in 1983, primarily offering 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 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’s website is still up and the company still appears to operate under its original name.

There are five separate companies that makeup Victoria Insurance Group: Victoria Fire & Casualty, Victoria Automobile Insurance, Victoria National Insurance, Victoria Specialty Insurance, and Victoria Select.

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.

Victoria Insurance Products

Victoria Insurance writes both personal and commercial auto insurance, although availability varies by state. The company website offers very limited information on the products.

Personal Auto

Personal auto insurance from Victoria is aimed at the non-standard market, which means they accept drivers that are unable to obtain insurance elsewhere. 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.

The website offers no details on the personal policy, stating only that they offer competitive rates and low down payments.

Although they likely offer full coverage 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.

Commercial Auto

Like the personal auto product, there is limited information available regarding the commercial auto policy. Commercial policies are only offering 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.


Victoria Insurance offers a toll-free claims line for reporting new claims; we were unable to find any other options listed for reporting a claim. The website does not specifically state that the claims line is open 24/7, but it does appear that way from the wording on the site.

Victoria’s website outlines the claims process and also outlines the timeline on which they promise to complete each step. A claims adjuster is assigned within one business day of the claim being reported, and they will make contact with the insured within 24 hours of claim assignment.

Victoria has three claims offices in Arizona, Ohio, and Texas; all of the states are assigned to one of these three for claims handling after the initial report. There is no information on the site regarding any sort of preferred repair network.

Ratings and Consumer Reviews

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 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 regards to this company’s reputation.

The Bottom Line

If you are in need of non-standard auto 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, they may be a good choice.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Victoria Insurance
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. When Tropical Storm Irma hit our home on Sep 12, 2017, our roof was damaged and we had water leaking into multiple rooms.  The roof replacement cost nearly $25,000 and our homeowners insurance, Electric Insurance, an affiliate of GE, has refused to pay their share of the roof replacement.   Electric Insurance is claiming “wear and tear”; however, they inspected our home when it was purchased less than a year ago and I have their letter stating “We are pleased to let you know that the inspection concluded that your home does not display any conditions of concern.” I tried contacting the BBB, our State’s Department of Insurance, and the CEO of GE, but I cannot get them to acknowledge the conflict between their initial home inspection and the post-storm determination of “wear and tear.”  One of my contacts used his GE email address when corresponding with me. Had their initial report included mention of roof problems, or that the roof would not be covered, I would have had the opportunity to shop elsewhere for insurance and/or replace the roof prior to it leaking. Based on the roof’s age (depreciation), and an average of two quotes, my estimate is that Electric Insurance owes $10,673 for their share of our roof replacement.   I strongly believe that Electric Insurance is abusing “wear and tear” to avoid payment of legitimate storm damage with many of their other clients as well.

  2. DO NOT WORK WITH THESE PEOPLE! After trying to let them know that I was canceling my policy and would like an email confirmation that I was canceling, [Redacted] SAID “F*@$ YOU” and hung up on me. I called again hoping to get some resolution and the moment I said please email me, he hung up on me. They also charged my account AFTER I had emailed requesting that my insurance policy be canceled. I plan to contact the California Insurance Commission at this point.

  3. I joined this insurance company when I purchased my car a couple months ago. I initially joined another insurance company and I was paying 270/month but was convinced to switch to nationwide/Victoria as it would be cheaper. I was told my insurance would be 233/month with an initial fee on $398 with nationwide/Victoria and now 3 months down the line I got charged $278 for one month and then $308 for this last month. I contacted my local agent and was told “oh it was a filing mistake and you were quoted as married, your fees will now be $308 from here on out”. I find this absolutely disgusting. I budgeted for what I could afford and all of a sudden I am forking out an additional $75/month from their mistake. This also not taking into account the huge once off fee I had to pay to join this ignorant and rude company. They didn’t even notify me of the additional fee increase and simply started taking the money out of my account at the rate I had no idea about. I also don’t know why I had a month of 278 and 308 payments, makes no sense and to be honest, it has a feeling of being corrupt.

    Not happy about not being informed of the increase in payments and the audacity for them to make me pay the new amount when it wasn’t my fault the agents messed up and filed that I am married. Not impressed.

  4. Worst insurance in the world . Don’t do it


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