Pasadena, CA Car Insurance

In Pasadena, the average full coverage car insurance costs $160 per month. Depending on various factors, rates can range from an affordable $68 to as high as $385. To help drivers better understand what they might pay, the table below includes average car insurance costs for different driver profiles.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Pasadena, the average cost for full coverage car insurance is $1,857 per year, while state minimum coverage costs $788 annually. These estimates are higher than the California averages, where full coverage is $1,599 and minimum coverage is $661.

While premiums are rising in the Golden State, you can still find affordable car insurance in Pasadena. GEICO offers the cheapest state minimum coverage at just $45 per month. For full coverage, GEICO again leads with a rate of $114 per month.

GEICO often offers the cheapest car insurance, but rates can vary for each driver. The best way to find affordable insurance is by comparing quotes from multiple companies. Below is a table showing the cheapest car insurance rates for different driver profiles.

To find affordable car insurance in Pasadena, it's key to compare rates from different companies. Below, we detail the most cost-effective options for state minimum coverage and full coverage car insurance.

GEICO offers the cheapest minimum coverage auto insurance at $45 per month. Progressive follows closely with a rate of $51 monthly. See the breakdown of the cheapest options in the table below.

GEICO offers the cheapest full coverage car insurance in Pasadena at $114 per month. Below is the full list of providers and their rates.

To find the cheapest car insurance in Pasadena, get quotes from several local companies. GEICO offers the lowest rate at $951 annually, while Capital Insurance Group is the top-rated provider with a MoneyGeek score of 85. Check the table below for more options to consider.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,857 per year for 40-year-olds and $1,794 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

GEICO offers the cheapest overall car insurance for teens in Pasadena, with a monthly rate of $272, saving you $59 compared to the state average. The table below also breaks down some of the most affordable providers in the city for this age group.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

GEICO offers the cheapest minimum coverage for young drivers at $53 per month. For full coverage, GEICO remains the most affordable option with a rate of $131 per month. Check the table below to find out which providers offer the cheapest rates for various young driver profiles.

GEICO offers the most affordable auto insurance for young drivers at $92 per month. Other companies provide competitive rates, as shown in the table below.

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

GEICO and National General are the city's most affordable car insurance providers. However, rates can vary based on several factors. Below is a table showing the cheapest providers for different driver and coverage profiles that may better fit you.

GEICO offers the cheapest monthly premium for seniors at $77 when considering both minimum and full coverage. Progressive follows closely with a rate of $87 per month. Below, find a table of top car insurance providers for seniors in the area.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

For high-risk drivers in Pasadena, minimum coverage costs $1,497 annually, while full coverage is $3,493. Both are below the state average of $1,998 for minimum and $3,982 for full coverage. Drivers with bad credit or DUIs see the highest insurance costs. In contrast, accidents and speeding tickets have a lesser effect on rates.

National General offers the cheapest minimum coverage for drivers with a DUI at $863 per year. Mercury provides the most affordable full coverage policy at $2,735 annually. Check out the table below for more low-cost coverage options.

*Rates are for a 40-year-old driver with good credit and a DUI.

Capital Insurance Group, GEICO, and Farmers offer some of the cheapest auto insurance after an at-fault accident in Pasadena. For more details on affordable options, check out the cheapest auto insurance after an at-fault accident. Below, the table shows different providers offering cheap car insurance coverage for drivers with an at-fault accident violation.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

Capital Insurance Group is the cheapest car insurance provider for drivers with a speeding ticket, offering rates of $68 for state minimum and $160 for full coverage. Check the table below to see how other providers charge drivers with a speeding ticket on their record.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

In California, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:

• $15,000 for bodily injury liability per person.
• $30,000 for bodily injury liability per accident.
• $5,000 for property damage liability per accident.

Uninsured motorist and personal injury protection coverages are not applicable in this state. For example, if you're at fault in a minor accident, your minimum coverage will pay up to $15,000 for injuries to one person and $5,000 for property damage, ensuring basic financial protection.

GEICO leads in Pasadena with the cheapest car insurance for minimum and full coverage. No matter your age or credit, you'll find affordable options to suit your budget. Remember, California law requires coverage for bodily and property damage. Compare and save, ensuring you get the best price without skimping on the Golden State's essentials.

This section provides quick answers to common questions about finding affordable car insurance options in Pasadena. Learn about state minimum coverage and tips for securing the best rates. Our goal is to make your insurance search simple and effective.

MoneyGeek conducted an analysis of Pasadena auto insurance prices using data from the California Department of Insurance and Quadrant Information Services.

Pasadena Driver Profile

To assess the best and most affordable auto insurance options for Pasadena residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Pasadena

In assessing the car insurance quotes for Pasadena, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to California's mandated liability insurance parameters:

The minimum coverage requirements in California are:

• $15,000 for bodily injury liability per person.
• $30,000 for bodily injury liability per accident.
• $5,000 for property damage liability per accident.

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

We adjusted the scoring in certain categories as follows:

• In the best customer service category, affordability was assigned a score of zero, while the scores for customer satisfaction, claims and coverage received an additional 10 possible points each.
• For the best minimum coverage category, the maximum points for satisfaction were reduced to 25, and maximum points for affordability increased to 40.
• We calibrated the affordability scores based on the quoted rates, which varied with the sample driver’s age or driving record.
• We also made qualitative evaluations for instances where certain insurers had coverage options that their competitors did not offer.

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Pasadena providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Pasadena
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Pasadena. For more details on our analysis, see MoneyGeek's methodology.