Compare 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.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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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.

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The Cheapest and Best Car Insurance in Pasadena

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
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,201
  • 2.
    USAA
    $1,351
  • 3.
    GEICO
    $1,375
  • 4.
    Progressive
    $1,404
  • 5.
    AAA
    $1,552
  • 6.
    Allstate
    $1,612
  • 7.
    Mercury
    $1,613
  • 8.
    MetLife
    $1,714
  • 9.
    State Farm
    $1,716
  • 10.
    Travelers
    $1,882
  • 11.
    Hartford
    $1,951
  • 12.
    Farmers
    $1,986
  • 13.
    Allied
    $2,086

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.

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Insurance Rates

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

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

  • Item
    Description
  • 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.

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Insurance Rates

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

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities226th/300
handcuffs2 icon
Most Car Thefts210th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall247th/300
umbrella icon
Most Rainy Days260th/300

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.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.