GEICO offers the lowest car insurance rates in Pasadena, with average annual premiums of $561 for minimum coverage and $1,264 for full coverage. AAA, Progressive and State Farm also provide affordable coverage options in the city.
Car Insurance in Pasadena
Updated: October 27, 2025
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Key Takeaways
Pasadena's cheapest car insurance companies are GEICO, Progressive and AAA, with savings up to 42% compared to the city average.
In Pasadena, monthly car insurance costs average $173 for full coverage and $82 for minimum coverage.
To get the best cheap auto insurance in Pasadena, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Pasadena?
| GEICO | $47 | $105 | -42% |
| Progressive | $67 | $128 | -26% |
| AAA | $63 | $140 | -23% |
| Wawanesa Insurance | $81 | $159 | -9% |
| State Farm | $75 | $166 | -8% |
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Cheapest Pasadena Car Insurance by Category
GEICO offers the lowest rates in seven driver categories for Pasadena motorists. AAA ranks cheapest for older vehicles, while State Farm wins for drivers with newer cars.
| Young Drivers | GEICO | $95 |
| Adult Drivers | GEICO | $47 |
| Senior Drivers | GEICO | $51 |
| Drivers With an Accident | GEICO | $83 |
| Drivers With a DUI | GEICO | $112 |
| Drivers With a Speeding Ticket | GEICO | $70 |
| Drivers With Bad Credit | GEICO | $89 |
| Drivers With Newer Cars | State Farm | $53 |
| Drivers With Old Cars | AAA | $40 |
Compare the Cheapest Pasadena Car Insurance for You
Your driving record and personal details shape what you'll pay for car insurance, with rates varying by thousands between companies. Check the table below to find an insurer that offers the best rates for your specific profile.
Data filtered by:
Adult Drivers
Male
State Minimum Liability Only
Good
Clean
| Geico | $47 | $561 | -45% |
| AAA | $63 | $750 | -26% |
| Progressive | $67 | $803 | -21% |
| State Farm | $75 | $901 | -11% |
| Wawanesa Insurance | $81 | $975 | -4% |
Best Car Insurance Companies in Pasadena
The best car insurance companies in Pasadena are Progressive, GEICO, AAA, Auto-Owners and Mercury. These providers stand out for their strong combination of competitive rates, reliable customer service and comprehensive coverage options.
| Progressive | 89 | 2 | 3 | 2 |
| GEICO | 87 | 1 | 7 | 7 |
| AAA | 83 | 3 | 5 | 7 |
| Auto-Owners | 82 | 8 | 1 | 6 |
| Mercury | 80 | 6 | 6 | 5 |
Progressive: Best Overall Coverage
pros
Strong coverage options
High customer satisfaction ratings
Competitive rates across coverage types
cons
Higher minimum coverage rates than GEICO
COMPANY HIGHLIGHTS
Progressive ranks first among Pasadena insurers with strong performance in all major categories. The company excels in claims handling and policy customization, offering extensive coverage options with high customer satisfaction scores.
While not the absolute cheapest option, Progressive provides competitive rates for both minimum and full coverage insurance.
GEICO: Best for Affordable Coverage
pros
Lowest rates in Pasadena
Excellent digital tools
Multiple driver discounts available
cons
Fewer coverage options than Progressive
COMPANY HIGHLIGHTS
GEICO offers the most affordable car insurance in Pasadena for multiple driver categories. The company provides the lowest minimum coverage rates at $47 monthly and competitive full coverage at $105 monthly.
GEICO especially benefits adult drivers, seniors, and those with driving incidents on their record. Its streamlined digital tools make policy management straightforward, though coverage options are more limited than some competitors.
How Much Is Car Insurance in Pasadena?
In Pasadena, minimum coverage costs about $82 per month or $990 per year, ranking 1,181st out of all California cities for affordability. Full coverage averages $173 monthly or $2,077 annually, ranking 1,183rd among California cities.
| Full Coverage | $173 | $2,077 |
| Minimum Coverage | $82 | $990 |
Pasadena Car Insurance Cost by Category
In Pasadena, monthly coverage costs vary from $66 to $422 depending on your driver profile. Check the table below to see rates for your category.
| Young Drivers | $150 | $306 |
| Adult Drivers | $82 | $173 |
| Senior Drivers | $97 | $194 |
| Drivers With an Accident | $131 | $273 |
| Drivers With a DUI | $202 | $422 |
| Drivers With a Speeding Ticket | $120 | $252 |
| Drivers With Bad Credit | $184 | $395 |
| Drivers With Newer Cars | $87 | $182 |
| Drivers With Old Cars | $66 | $137 |
Pasadena Car Insurance Costs by ZIP Code
In Pasadena, car insurance rates by ZIP code range from $72 to $209 per month. ZIP code 91103 is the most expensive, while 91123 is the cheapest. Check the average rates for your ZIP code in the table below.
Data filtered by:
91101
| 91101 | $73 | $158 |
Compare Personalized Pasadena Car Insurance Costs
While you've seen rates by ZIP code and coverage type, this table lets you filter Pasadena's average car insurance rates using your exact combination of age, driving history and other personal factors.
Data filtered by:
Adult Drivers
Male
State Minimum Liability Only
Good
Clean
| $79 | $944 | 27% |
How to Get the Best Cheap Pasadena Car Insurance
Finding affordable car insurance in Pasadena can feel overwhelming, with local rates among the highest in California and countless coverage options to consider. Our step-by-step guide shows you proven ways to lower your rates while getting the right protection for your needs.
- 1Calculate your coverage requirements
Determine how much coverage you need based on your vehicle's value and your financial situation. California requires minimum liability coverage, but Pasadena's urban environment may warrant additional protection. Use our car insurance coverage needs calculator to find your ideal coverage level.
- 2Explore alternative insurance options
Consider specialized types of car insurance that could save you money. If you drive infrequently, pay-per-mile coverage might be ideal. Don't own a car? Look into non-owner insurance for occasional driving.
- 3Know the average costs
Research average vehicle insurance costs in Pasadena to set realistic expectations. Understanding typical rates helps you identify good deals and avoid overpaying. Local factors like traffic density and crime rates influence these costs.
- 4Check available discounts
Look into every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs and security features can also reduce your premium.
- 5Research insurance company ratings
Investigate each insurer's customer service ratings and claims satisfaction scores. Focus on companies with strong records in Southern California. Check their financial stability to make sure they can reliably pay claims.
- 6Get quotes from multiple insurers
Contact at least three different insurance providers for quotes. Use a mix of local agents, online tools and direct company contacts. Each insurer calculates risk differently, so comparing multiple quotes helps find the best rate.
- 7Review your policy annually
Set a yearly reminder to review your coverage and shop for new quotes. Life changes, driving habits and insurance rates evolve over time.
Cheapest Car Insurance in Pasadena: Bottom Line
Car insurance rates in Pasadena depend on your driving record, age, vehicle and credit score. While GEICO and Progressive offer the lowest average premiums in the area, compare quotes from multiple providers to find your best rate.
Cheap Pasadena Car Insurance: FAQ
Looking for cheap car insurance in Pasadena? Our research team answers your most common questions about finding affordable coverage that fits your needs. Get clear, straightforward answers to help you make confident insurance decisions.
What is the cheapest car insurance company in Pasadena, California?
GEICO offers the lowest rates in Pasadena, with average annual premiums of $561 for minimum coverage and $1,264 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Pasadena?
Progressive leads Pasadena's car insurance providers with a MoneyGeek score of 89 out of 100, scoring 2 points higher than GEICO. Progressive delivers excellent value through balanced pricing and service quality.
What is the average cost of car insurance in Pasadena?
In Pasadena, drivers pay $2,077 annually for full coverage and $990 for minimum coverage auto insurance. Your actual rates will vary based on individual factors.
Is car insurance in Pasadena expensive?
Car insurance in Pasadena costs more than average, ranking 1,181st for minimum coverage affordability and 1,183rd for full coverage among California cities.
How We Chose the Best and Cheapest Car Insurance in Pasadena, CA
To help Pasadena drivers find affordable car insurance, MoneyGeek analyzed rates using data from the California Department of Insurance and Quadrant Information Services.
We reviewed quotes from 12 major insurers across all ZIP codes in the city, totaling hundreds of thousands of data points to find options that best fit local drivers.
Pasadena Driver Profile
We used a standard driver profile to calculate average car insurance quotes with these details:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We also adjusted factors like age, driving record, credit score, and military status to identify the best insurers for different types of drivers.
Coverage Levels in Pasadena
We compared companies offering both minimum and full coverage policies.
The minimum coverage requirements in California are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
Our ratings were based on three main factors:
- Affordability (60% of score): We compared quotes for a range of common driver profiles and evaluated how each company’s rates stacked up in Pasadena.
- Customer experience (30% of score): We reviewed insights from Google reviews, J.D. Power, AM Best, and Reddit discussions to understand overall satisfaction.
- Coverage options (10% of score): We looked at how many coverage types each insurer offers and whether they provide unique benefits or add-ons.
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.
sources
- Progressive. "Progressive Insurance Reviews." Accessed July 9, 2025.
