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.
Pasadena, CA Car Insurance
Updated: March 31, 2025
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Cheapest Car Insurance in Pasadena: Key Takeaways
In Pasadena, affordable car insurance options are offered by GEICO, State Farm, National General and Capital Insurance Group, making them top choices for budget-conscious drivers.
GEICO is the most affordable car insurance provider, with rates starting at $45 per month for minimum coverage and $114 for full coverage, helping drivers save on their premiums.
On average, monthly car insurance costs are $69 for minimum coverage and $160 for full coverage, though these rates can vary based on driver profiles and other factors.
Car Insurance Quotes in Pasadena, CA
| Young Drivers | $81 | $194 |
| Teens | No Data | $374 |
| Seniors | $65 | $149 |
| Drivers With a Speeding Ticket | $93 | $221 |
| Drivers With a DUI | $160 | $374 |
| Drivers With An Accident | $106 | $251 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Pasadena vs. State Average
California
State Average Full Coverage Rate
$1,599
Pasadena, CA
City Average Full Coverage Rate
$1,857More:$258 more
This is 16% more expensive.
What Is the Average Car Insurance Rate in Pasadena?
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.
| State Average | $661 | $1,599 |
| Pasadena Average | $788 | $1,857 |
Cheapest Car Insurance Companies in Pasadena
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.
WHY CAR INSURANCE IN PASADENA IS EXPENSIVE
Car insurance is expensive in Pasadena due to several local factors. These include high traffic density, which increases the risk of accidents and a higher chance of vehicle theft. Pasadena ranks among the top cities in California for costly insurance. Statewide issues, like many uninsured drivers and frequent personal injury lawsuits, also drive up the price for everyone.
Cheap Car Insurance in Pasadena
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.
| GEICO | Minimum Coverage | $45 |
| GEICO | Full Coverage | $114 |
| State Farm | Teens | $281 |
| GEICO | Young Adults | $92 |
| GEICO | Seniors | $77 |
| National General | Drivers With a DUI | $104 |
| Capital Insurance Group | Drivers With An Accident | $117 |
| National General | Drivers With a Speeding Ticket | $104 |
Car Insurance Rates in Pasadena by Company
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.
Cheapest Car Insurance Companies for Minimum Coverage in Pasadena
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 | $45 | $24 |
| Progressive | $51 | $18 |
| Kemper | $53 | $15 |
| Mercury | $58 | $11 |
| Farmers | $60 | $8 |
| Capital Insurance Group | $61 | $8 |
| AAA | $62 | $7 |
| State National | $64 | $5 |
| State Farm | $66 | $2 |
| National General | $68 | $1 |
Cheapest Car Insurance Companies for Full Coverage in Pasadena
GEICO offers the cheapest full coverage car insurance in Pasadena at $114 per month. Below is the full list of providers and their rates.
| AAA | $136 | $25 |
| Capital Insurance Group | $139 | $21 |
| GEICO | $114 | $46 |
| Kemper | $146 | $14 |
| Mercury | $138 | $22 |
| National General | $129 | $31 |
| Progressive | $122 | $38 |
| State National | $150 | $10 |
Car Insurance Companies in Pasadena
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.
| Chubb | 87 | $1,421 |
| Capital Insurance Group | 84 | $1,200 |
| Mercury | 76 | $1,177 |
| GEICO | 70 | $951 |
| State Farm | 70 | $1,380 |
| Progressive | 69 | $1,037 |
| AAA | 66 | $1,183 |
| Nationwide | 64 | $1,440 |
| Travelers | 60 | $1,591 |
| Kemper | 59 | $1,194 |
| Farmers | 58 | $1,716 |
| Hartford | 57 | $1,454 |
| National General | 55 | $1,181 |
| Allstate | 53 | $1,631 |
| State National | No Data | $1,282 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Pasadena by Age
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.
| 16 | $4,346 | $-1,632 |
| 17 | $4,331 | $-1,617 |
| 18 | $4,087 | $-1,373 |
| 19 | $3,135 | $-421 |
| 20 | $3,216 | $-502 |
| 21 | $2,792 | $-78 |
| 22 | $2,423 | $291 |
| 23 | $2,490 | $224 |
| 24 | $2,383 | $331 |
| 25 | $2,328 | $-615 |
| 40 | $1,857 | $-144 |
| 65 | $1,794 | $-81 |
Cheapest Car Insurance for Teens in Pasadena
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.
| GEICO | $272 | $59 | $312 |
| State Farm | $279 | $52 | $281 |
| Farmers | $289 | $42 | $402 |
| Capital Insurance Group | $300 | $31 | $293 |
| Allstate | $307 | $24 | $322 |
| Travelers | $345 | $-14 | $306 |
| Progressive | $369 | $-37 | $396 |
| Kemper | $392 | $-60 | $496 |
| Nationwide | $427 | $-96 | $555 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Pasadena
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 | Minimum Coverage | $53 |
| GEICO | Full Coverage | $131 |
| National General | Drivers With a DUI | $127 |
| Capital Insurance Group | Drivers With An Accident | $132 |
| National General | Drivers With a Speeding Ticket | $127 |
Cheapest Car Insurance Companies for Young Drivers in Pasadena
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.
| GEICO | $92 | $52 |
| Progressive | $104 | $39 |
| Capital Insurance Group | $112 | $31 |
| National General | $121 | $23 |
| Mercury | $126 | $17 |
| AAA | $129 | $15 |
| State National | $130 | $14 |
| State Farm | $134 | $10 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Pasadena
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 | Minimum Coverage | $44 |
| GEICO | Full Coverage | $109 |
| National General | Drivers With a DUI | $106 |
| Capital Insurance Group | Drivers With An Accident | $111 |
| National General | Drivers With a Speeding Ticket | $106 |
Cheapest Car Insurance for Seniors in PasadenaCheapest Car Insurance Companies for Seniors in
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.
| GEICO | $77 | $35 |
| Progressive | $87 | $24 |
| State Farm | $89 | $22 |
| Capital Insurance Group | $95 | $16 |
| Mercury | $98 | $14 |
| AAA | $100 | $12 |
| National General | $100 | $11 |
| State National | $101 | $11 |
| Hartford | $104 | $8 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High Risk Drivers in Pasadena
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.
| State Average | $1,239 | $2,989 |
| Pasadena Average | $1,497 | $3,493 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a speeding ticket in Pasadena, are considered by insurers for 3-5 years. However, serious offenses such as a DUI can affect your record for much longer, often leading to the need for an SR-22 or FR-44, ensuring you meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Pasadena
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.
| National General | $72 | $135 |
| Mercury | $93 | $228 |
| Capital Insurance Group | $106 | $251 |
| GEICO | $109 | $271 |
| Farmers | $103 | $391 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Pasadena
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.
| Capital Insurance Group | $71 | $163 |
| GEICO | $79 | $190 |
| AAA | $99 | $207 |
| State National | $91 | $213 |
| Farmers | $83 | $313 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Pasadena
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.
| National General | $72 | $135 |
| Capital Insurance Group | $68 | $160 |
| GEICO | $68 | $169 |
| Mercury | $74 | $182 |
| Kemper | $71 | $194 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Minimum Car Insurance Requirements in Pasadena, CA
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.
Cheap Car Insurance in Pasadena: Bottom Line
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.
Pasadena Auto Insurance: FAQ
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.
What is the cheapest car insurance company in Pasadena, California?
The most affordable car insurance provider in Pasadena, California, is GEICO, with a rate of $45 monthly for state minimum coverage. This could mean savings of $24 each month.
What is the best car insurance company in Pasadena, California?
State National is regarded as the top car insurance provider in Pasadena, California with an annual premium of $1,282 for minimum coverage.
How much does car insurance cost on average in Pasadena?
The average cost for state minimum car insurance in Pasadena spans from $68 to $166 per month, depending on the driver's profile.
Best Cheap Car Insurance in Pasadena: Our Methodology
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.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.