UPDATED: Nov 30, 2018
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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 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.
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.