bestauto insurancePasadena2022Compare the Cheapest Car Insurance Quotes in Pasadena
The average car insurance rates in Pasadena stand at $1,674 per year, which is 17.1% higher than the state average. The most affordable insurer is Esurance, charging an average yearly premium of $1,201. To cater to different drivers, MoneyGeek analyzed insurance by coverage amount and driving history. MoneyGeek also found the top companies in Pasadena for drivers who care about both cost and quality.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Last Updated: 5/16/2022
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Mark Fitzpatrick
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In the city of Pasadena, Esurance is the cheapest overall, for a state-minimum policy and for drivers with speeding tickets. For military families, USAA is recommended. AAA is the best car insurance in Pasadena for drivers who value affordability and quality customer service.
bestauto insurancePasadena2022The Cheapest and Best Car Insurance in Pasadena
Cheapest Overall - Esurance
Cheapest State Minimum - GEICO
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
The Cheapest Car Insurance Companies in Pasadena
For drivers on a budget, the cheapest car insurance providers in Pasadena for a full coverage policy are:
- Esurance: $1,201 per year
- GEICO: $1,375 per year
For veterans and active-duty military members, USAA is an even cheaper option, offering full coverage car insurance at an average of $1,351 per year.
A full coverage policy from Esurance is the cheapest in Pasadena, costing an average of 73.7% less than Allied, the most expensive car insurance provider in the city. Full coverage policies tend to cost more as it includes comprehensive and collision insurance, but rates can still change depending on your limits.
Cheapest Car Insurance in Pasadena
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,201
- 2.$1,351
- 3.$1,375
- 4.$1,404
- 5.$1,552
In accordance with MoneyGeek’s methodology, auto insurance rates were collected using a sample profile of a 40-year-old male driver in Pasadena looking for a full coverage policy.
A full coverage policy is typically more expensive than a state-minimum policy as it includes the following:
- Comprehensive Insurance: This insurance pays for the cost of replacing or repairing your vehicle in the event of non-accident occurences, such as vandalism, theft and damage that is weather or animal related.
- Collision Insurance: This can pay for the repairs or replacement of your vehicle after an at-fault accident.
For drivers with an older car, premiums may cost a lot more than it's worth if you have full coverage insurance. It may be better to purchase a liability-only policy or a state-minimum policy to get the most affordable rates for your car.
Compare Car Insurance Rates in Pasadena
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Pasadena for Minimum Coverage
For drivers looking for state-minimum policies, the cheapest car insurance companies in Pasadena are:
- GEICO: $587 per year
- Progressive: $603 per year
With an average yearly premium of $576, USAA is cheaper compared to GEICO, making it the cheapest in the city for active-duty military members and veterans.
While a state-minimum coverage policy is cheaper, it often comes with low levels of liability coverage and lacks the protection of comprehensive and collision insurance. This means you run the risk of being under-insured and may have to pay more out of pocket. Review the table to see how costs can change with more liability coverage.
Cheapest Minimum Liability Car Insurance in Pasadena
State Minimum
- CompanyState Minimumper year
- 1.$576
- 2.$587
- 3.$603
- 4.$629
- 5.$671
The minimum required car insurance in California is often the least expensive option, but it also offers the least protection. California laws only require drivers to have liability insurance, which includes bodily injury and property damage coverage and does not cover damages you sustain. For instance, if you are at-fault in an accident and have $50,000 in medical bills to pay but only $30,000 in bodily injury per accident, you’ll have to fork over the additional $20,000 out of pocket.
California Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Pasadena if You Have Driving Violations
Having a driving violation such as a speeding ticket, DUI or at-fault accident can result in more expensive premiums, but it still depends on the severity of the action. MoneyGeek found that the cheapest car insurance companies in Pasadena for those with driving violations are:
- Cheapest after a ticket: Esurance at $1,528 per year
- Cheapest after an at-fault accident: Esurance at $1,894 per year
- Cheapest after a DUI: Mercury at $2,647 per year
For drivers with a speeding ticket and a military background, USAA is the cheapest option, costing an average of $1,478 per year. It’s best to shop around to find the cheapest car insurance after a violation by comparing quotes. Over time, improving your driving record can lower these rates.
Cheapest Car Insurance in Pasadena With a Violation
Speeding Ticket
Average Cost of Car Insurance in Pasadena
Pasadena$1,674
California$1,429
U.S.$1,424
The average car insurance rates in Pasadena stand at $1,674 per year, which is 17.1% higher than the California state average of $1,429 and 17.6% higher than the national average of $1,424.
Personalized Quotes to Get You the Cheapest Car Insurance in Pasadena
Car insurance quotes in Pasadena vary depending on several factors, such as age, gender, the make and model of the vehicle, coverage level and ZIP code.
Comparing quotes can ensure you get the best rates given your situation, as insurers weigh factors differently. To find the cheapest rates, compare quotes from at least three different providers.
Compare Car Insurance Rates in Pasadena
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Pasadena
If you’re a driver in Pasadena who wants good service quality at an affordable price, MoneyGeek also ranked the best companies in the city.
MoneyGeek’s scoring system factors in a provider’s J.D. Power user satisfaction, affordability and financial stability. In the city of Ventura, MoneyGeek’s scoring system found the best car insurance providers to be:
- AAA: MoneyGeek score of 90 out of 100 points
- GEICO: MoneyGeek score of 90 out of 100 points
If you have a military background, USAA is the recommended provider.
1
USAA
Score:100
2
Auto Club of Southern California Insurance Group
Score:90
3
GEICO
Score:90
4
Wawanesa
Score:87.5
5
State Farm
Score:87.5
6
Ameriprise
Score:85
7
Hartford
Score:85
8
Progressive
Score:82.5
9
Allstate
Score:82.5
10
Safeco
Score:80
11
CSAA
Score:77.5
12
Liberty Mutual
Score:77.5
13
Farmers
Score:77.5
14
Mercury
Score:77.5
15
Nationwide
Score:75
16
Kemper
Score:70
Average Cost of Car Insurance by Postal Code
Location can impact the cost of your car insurance premiums. This is because certain ZIP codes may pose more of a risk for drivers and insurers alike, such as having a high number of accidents or theft. It’s important to take into account your zip code when searching car insurance rates in California.
In Pasadena, ZIP code 91107 is the cheapest neighborhood with an average yearly premium of $1,639. In juxtaposition, drivers living in ZIP code 91104 with the most expensive car insurance premiums will experience about a $70 increase at an average of $1,709 per year.
- Zip CodeState Minimumper year
- 91107$1,639
- 91104$1,709
Factors That Impact Insurance Costs in Pasadena
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Pasadena. How Pasadena ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Pasadena are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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