Updated: December 15, 2025
Advertising & Editorial Disclosure
GEICO: Most affordable for diverse driver types in Pasadena. Full coverage costs $105 monthly while minimum coverage runs $46 monthly, delivering 24% savings compared to the city average.
Progressive: Runner-up for affordability with full coverage at $127 monthly and minimum coverage at $66 monthly. It's especially competitive for higher-risk drivers.
AAA: Has affordable rates for drivers with an accident and drivers with a speeding ticket, making it a smart choice for those with violations on their record.
Cheapest by Coverage and Driver Profile in Pasadena:
For full coverage in Pasadena, GEICO has monthly rates are $105, saving drivers 42% compared to the city average. Progressive follows as the second most affordable option at $127 monthly, still delivering 26% savings below local rates.
When it comes to minimum coverage, GEICO again offers the lowest rates at $46 per month, representing 42% savings versus city averages. AAA ranks second for basic coverage at $62 monthly, providing 23% savings for budget-conscious drivers.
Since rates vary based on your specific ZIP code and driving record, getting quotes from multiple companies helps you find the best deal.
| Geico | $47 | $105 | -42% |
| AAA | $63 | $140 | -23% |
| Progressive | $67 | $128 | -26% |
| State Farm | $75 | $166 | -8% |
| Wawanesa Insurance | $81 | $159 | -9% |
Not in Pasadena? Read more about the cheapest car insurance in California or the best car insurance in California.
Young drivers in Pasadena have high costs due to their lack of driving experience. GEICO offers the most affordable coverage at $198 monthly. Wawanesa is the second cheapest option at $220 per month, while State Farm rounds out the top three at $231 per month.
Young drivers save hundreds by staying on their parents' policy instead of purchasing separate coverage. Completing a defensive driving course unlocks discounts ranging from 5% to 15%, providing immediate savings on already tight budgets.
| Geico | $198 | $2,379 | -38% |
| Wawanesa Insurance | $221 | $2,652 | -31% |
| State Farm | $232 | $2,783 | -28% |
| AAA | $256 | $3,076 | -20% |
| Progressive | $281 | $3,375 | -12% |
Senior drivers in Pasadena can save up to 10% on their premiums by completing these courses, with discounts lasting three years. GEICO offers the most affordable option at $112 per month for full coverage, followed by State Farm at $143 and Progressive at $156.
Most insurers provide accident forgiveness programs specifically for drivers 65 and older. GEICO also offers age-specific discounts.
| Geico | $113 | $1,350 | -44% |
| State Farm | $143 | $1,719 | -28% |
| Progressive | $156 | $1,878 | -22% |
| Wawanesa Insurance | $159 | $1,913 | -20% |
| AAA | $161 | $1,935 | -19% |
GEICO offers the most affordable coverage for a DUI at $112 monthly for minimum limits, with Mercury coming in second at $143. For speeding tickets, GEICO costs $69 per month, followed by AAA at $83. At-fault accidents will cost you $82 monthly with GEICO or $90 with AAA for basic coverage.
Speeding tickets affect your rates for three to five years, while serious violations like DUIs can impact your premiums for up to a decade.
| At-Fault Accident | Geico | $83 | -39% |
| At-Fault Accident | AAA | $90 | -33% |
| DUI | Geico | $112 | -45% |
| DUI | Mercury Insurance | $143 | -30% |
| Speeding Ticket | Geico | $70 | -44% |
| Speeding Ticket | AAA | $84 | -33% |
Your ZIP code affects your insurance rates in Pasadena, with monthly premiums ranging from $155 in area 91123 to $209 in ZIP code 91103. That's a $54 monthly difference just based on location. Traffic density, crime rates and accident frequency in your specific ZIP code matter more than general neighborhood reputation when insurers calculate your premium.
Two drivers with identical profiles can pay vastly different amounts simply because they live in different parts of the city.
| 91103 | $209 |
| 91107 | $203 |
| 91104 | $168 |
| 91106 | $162 |
| 91101 | $158 |
| 91105 | $156 |
| 91123 | $155 |
| 91123 | $155 |
| 91105 | $156 |
| 91101 | $158 |
| 91106 | $162 |
| 91104 | $168 |
| 91107 | $203 |
| 91103 | $209 |
Progressive takes the top spot in Pasadena with a high MoneyGeek score of 89 out of 100. This insurer excels by offering extensive coverage options while maintaining competitive rates and solid customer satisfaction. GEICO, AAA, Auto-Owners and Mercury round out the city's best insurance options.
| Progressive | 89 | 2 | 3 | 2 |
| Geico | 87 | 1 | 7 | 7 |
| AAA | 83 | 3 | 5 | 7 |
| Auto Owners | 82 | 8 | 1 | 6 |
| Mercury Insurance | 80 | 6 | 6 | 5 |
Immediate response vehicles come to accident scenes
Snapshot program rewards safe driving with discounts
Comprehensive coverage for high-risk drivers
Missing OEM parts coverage for newer vehicles
Customer service complaints from some users
Progressive has an innovative approach to affordability and comprehensive local risk coverage. Its Name Your Price tool helps drivers manage Pasadena's higher living costs, while extensive discounts for safe driving and multi-car policies provide additional savings.
Lowest rates for all driver types
SR-22 coverage for high-risk drivers
24/7 claims filing with fast resolution
Poor customer service with long wait times
Limited coverage options compared to competitors
Primarily online service lacks personal touch
GEICO ranks first in Pasadena for affordability and efficient claims handling, offering the lowest rates for young drivers, seniors and those with traffic violations or accidents. The company's comprehensive coverage includes collision protection for accident-prone areas and fire damage coverage during wildfire season.
While Pasadena drivers deal with high insurance costs, securing affordable coverage becomes manageable with the right approach.
Combine auto with home or renters insurance for 15% to 25% savings. Stack on good driver and paperless billing discounts. Multi-car households can add 10% to 25% per additional vehicle, creating total savings of 30% to 40%.
Increasing your deductible from $500 to $1,000 reduces premiums by 10-15% annually. This strategy works best when you have adequate emergency savings to cover the higher out-of-pocket cost if needed.
Insurance companies regularly adjust rates based on Pasadena's changing risk factors and claims data.
Our team analyzed local Pasadena rates and coverage options to help you find affordable coverage.
Car insurance in Pasadena runs about $173 monthly for full coverage. While this sits in the middle range for California, it's more expensive than affordable options like Weed at $47 per month, though much cheaper than Granada Hills at $243 monthly.
Finding affordable car insurance in Pasadena starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and California’s insurance requirements all shape your premium.
We partnered with the California Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Pasadena ZIP code.
Our ratings for the best car insurance in Pasadena are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Pasadena neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
