Cheapest and Best Car Insurance Companies in Pasadena, CA

Pasadena drivers can get the best and cheapest minimum and full coverage policies with GEICO. This company is also the most affordable for families with teen drivers. National General has the cheapest rates for drivers with a speeding ticket or DUI, while Capital Insurance Group has low premiums after an at-fault accident. USAA offers the least expensive premiums for military drivers, while Chubb ranked best overall for service.

The following insurers offer the cheapest minimum coverage policies in Pasadena:

• GEICO: $470 per year
• Mercury: $574 per year

Hartford has the most expensive premiums at roughly $950 per year as of October 2022.

Liability-only policies in California require that all drivers have bodily injury and property damage coverage with the following minimum limits:

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

If you’re found at fault in an accident, liability insurance covers the injured driver’s medical expenses and vehicle damages up to a certain limit. For instance, a minimum coverage policy with the liability limits included above will cover up to $15,000 in medical expenses per person up to $30,000 per accident. You will be responsible for any costs exceeding these limits.

In Pasadena, the following insurers offer the cheapest full coverage policies:

• GEICO: $1,190 per year
• National General: $1,304 per year

Chubb offers the most expensive full coverage policies at $1,994 per year as of October 2022.

Full coverage policies include comprehensive and collision insurance, which covers damages to your vehicle.

• Comprehensive Insurance: Helps pay for damage caused by theft, animals, fire or severe weather.
• Collision Insurance: Covers damages from collisions with objects (stop signs, poles, etc.) or other vehicles.

Full coverage policies are preferred by owners of new vehicles as a way to safeguard their investment. It may not be worth the added cost for owners with older vehicles.

In Pasadena, these are the cheapest car insurers for residents with the following driving violations:

• Speeding ticket: National General ($1,371 per year)
• At-fault accident: Capital Insurance Group ($1,917 per year)
• DUI: National General ($1,371 per year)

Hartford is the most expensive insurer for drivers with a speeding ticket or DUI offense, with rates of $2,947 per year and $7,363 per year, respectively. Kemper charges the most for drivers with an at-fault accident at $3,846 per year. Often, even the cheapest rates for drivers with a violation will cost more than average-priced rates for drivers with a clean record.

Auto insurance quotes tend to increase in proportion to the severity of the driving offense. For instance, the average cost of car insurance for a driver with a speeding ticket is $1,661 more than the cost for a driver with a DUI offense. However, that doesn’t mean it's impossible to find cheap car insurance with a bad driving record.

In Pasadena, the following insurers offer the cheapest rates for 16-year-old male and female teens on a family policy:

• GEICO: $3,504 per year for female teens; Farmers: $3,557 per year for male teens
• Farmers: $3,557 per year for female teens; State Farm: $3,590 per year for male teens

Nationwide charges the most expensive rates for male and female teens on a family policy at $6,037 per year. Car insurance typically costs more for male teens than female teens, as insurers consider them riskier to insure. However, this cost discrepancy levels off in early adulthood.

Families with teen drivers can save money by adding them to an existing policy instead of purchasing an individual policy. In Pasadena, it costs $673 more to purchase an individual policy for a 16-year-old male instead of adding them to a family policy. Although rates for teen drivers are typically more expensive, it’s still possible to find cheap auto insurance for teen drivers by comparing rates and identifying discount opportunities.

The following insurers offer the cheapest full coverage car insurance for military drivers in Pasadena:

• USAA: $935 per year
• GEICO: $1,190 per year

The cheapest minimum coverage policies are also available with USAA and GEICO at $410 and $470 per year, respectively. Those who prioritize affordability can also find cheap auto insurance for military personnel.

It can take 15 minutes or more to input the personal information required for a single quote. This time can add up, especially if you’re comparing rates for multiple providers. MoneyGeek’s car insurance calculator can provide a rough estimate using only your vehicle make, age, driving history and preferred coverage level, allowing you to save time.

The best auto insurance provider for you will vary based on how much you value affordability, customer service and coverage options:

• Best overall: GEICO (MoneyGeek score of 75 out of 100)
• Best for service: Chubb (MoneyGeek score of 76 out of 100)
• Best cheap: GEICO (MoneyGeek score of 78 out of 100)

An insurer’s overall MoneyGeek score may vary based on how individual factors were weighted in that category. Although GEICO is the best provider in the city, CSAA is the best car insurance company in California. Military drivers may also consider USAA for their car insurance needs, as the insurer earned a high MoneyGeek score of 85 out of 100.

We evaluated the best car insurance companies in Pasadena based on affordability and customer service. These are our top-two choices:

• GEICO: MoneyGeek score of 75 out of 100 ($1,190 per year)
• Progressive: MoneyGeek score of 66 out of 100 ($1,410 per year)

Out of the insurers in our study, GEICO has the cheapest rates and provides quality customer service. This means you won’t have to compromise on service experience for cost. USAA, with a MoneyGeek score of 85 out of 100, is also an excellent option for military drivers.

When choosing the best insurers in Pasadena for customer service, affordability was not taken into account. These are our top-two choices for customer service:

• Chubb: MoneyGeek score of 76 out of 100 ($1,994 per year)
• Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,633 per year)

Chubb received the highest score for claims management and the second-highest score for customer service. However, it has the most expensive rates of the insurers in our comparison group.

We evaluated insurers for affordability and service quality to determine the best and cheapest options that fulfill Calfironia’s minimum coverage requirements:

• GEICO: MoneyGeek score of 78 out of 100 ($470 per year)
• Progressive: MoneyGeek score of 66 out of 100 ($604 per year)

Minimum coverage policies, while inexpensive, may not provide enough protection if you get in an accident. These policies only cover damages for liability costs, not damages to your own vehicle.

The average cost of car insurance in Pasadena is $1,598 per year as of October 2022. This is $211 cheaper than the average cost of car insurance in California of $1,387. However, it is $333 more expensive than the national average cost of car insurance at $1,265 per year.

These quotes are for a full coverage policy with $100,000 in bodily injury liability per person and $300,000 in bodily injury liability per accident. It also includes $100,000 in property damage liability per accident.