UPDATED: Jul 14, 2020
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|Company Address||One West Nationwide Blvd.
Columbus, OH 43215
|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 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.
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 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.
|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.
|States||Average Annual Rates|
|District of Columbia||$4,439.24|
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.
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.
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.
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.
|Auto Insurance Discounts||21st Century||AAA||Allstate||American Family||Ameriprise||Amica||Country Financial||Esurance||Farmers||Geico||Liberty Mutual||MetLife||Nationwide||Progressive||Safe Auto||Safeco||State Farm||The General||The Hanover||The Hartford||Travelers||USAA||Sources:|
|Adaptive Cruise Control||x||x||x||x||http://www.21st.com/car-insurance-by-state.htm|
|Daytime Running Lights||x||x||x||x||x||x||x||x||x||x||x||x||x||x||x||x||x||x||https://www.countryfinancial.com/en/insurance/auto-recreational/auto.html|
|Electronic Stability Control||x||x||x||x||x||x||x||x||x||https://www.nationwide.com/car-insurance-discounts.jsp|
|Forward Collision Warning||x||x||x||x||x||x||x||https://www.thehartford.com/aarp/car-insurance|
|Lane Departure Warning||x||x||x||x||http://www.naic.org/documents/web_market_share_160301_2015_property_lob.pdf|
|Loyalty||x||x||x||x||x||x||x||x||x||x||x||x||*Discounts and their availability vary by state and eligibility requirements|
|Married||x||x||x||x||x||x||x||x||x||x||x||x||x||x||*Safety Features are not always listed as "discounts" but almost always help lower the rate|
|New Customer/New Plan||x||x||x|
|On Time Payments||x||x||x||x|
|Seat Belt Use||x|
|Students & Alumni||x||x||x||x||x||x|
|Discounts Provided #||21||21||29||27||18||27||26||34||34||32||38||38||35||36||22||30||20||20||22||38||28||28|
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.
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.
How to Make a Victoria Insurance Car Insurance Claim
Victoria Insurance claims department offers a toll-free 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 as well as the timeline on which it promises to complete each step. A claims adjuster is assigned within one business day of the claim being reported, and he or she 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.
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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 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.
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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.
Frequently Asked Questions: Victoria Insurance
Do you still have questions? Check out the FAQ below.
#1 – Is Nationwide a good car insurance company?
Nationwide is one of the biggest insurance companies in the nation. That’s usually a sign of a lot of happy customers. Is Nationwide insurance expensive? That depends on where you live and your driving history, among other factors. Is Nationwide better than State Farm in terms of coverage and rates? Again, that depends on a lot of factors, but State Farm is still the number one car insurance company in America.
#2 – Is Liberty Mutual buying Nationwide Insurance?
There has been no word of a merger. That means Victoria insurance remains part of Nationwide.