Car Insurance in Pasadena

GEICO offers the lowest car insurance rates in Pasadena, with average annual premiums of $561 for minimum coverage and $1,264 for full coverage. AAA, Progressive and State Farm also provide affordable coverage options in the city.

GEICO offers the lowest rates in seven driver categories for Pasadena motorists. AAA ranks cheapest for older vehicles, while State Farm wins for drivers with newer cars.

Your driving record and personal details shape what you'll pay for car insurance, with rates varying by thousands between companies. Check the table below to find an insurer that offers the best rates for your specific profile.

The best car insurance companies in Pasadena are Progressive, GEICO, AAA, Auto-Owners and Mercury. These providers stand out for their strong combination of competitive rates, reliable customer service and comprehensive coverage options.

In Pasadena, minimum coverage costs about $82 per month or $990 per year, ranking 1,181st out of all California cities for affordability. Full coverage averages $173 monthly or $2,077 annually, ranking 1,183rd among California cities.

In Pasadena, monthly coverage costs vary from $66 to $422 depending on your driver profile. Check the table below to see rates for your category.

In Pasadena, car insurance rates by ZIP code range from $72 to $209 per month. ZIP code 91103 is the most expensive, while 91123 is the cheapest. Check the average rates for your ZIP code in the table below.

While you've seen rates by ZIP code and coverage type, this table lets you filter Pasadena's average car insurance rates using your exact combination of age, driving history and other personal factors.

Our guide shows you how to lower your insurance premiums.

Car insurance rates in Pasadena depend on your driving record, age, vehicle and credit score. While GEICO and Progressive offer the lowest average premiums in the area, compare quotes from multiple providers to find your best rate.

Looking for cheap car insurance in Pasadena? Our research team answers your most common questions about finding affordable coverage that fits your needs. Get clear, straightforward answers to help you make confident insurance decisions.

Pasadena drivers face higher insurance costs than many California cities due to dense urban traffic, elevated vehicle theft rates in Los Angeles County, and above-average accident frequency that pushes premiums higher than those in surrounding areas. We built this research to show you which insurers offer the lowest rates for your specific driving profile, so you can maintain required coverage without overpaying in one of Southern California's more expensive insurance markets.

We collected rate data from the California Department of Insurance and Quadrant Information Services, reviewing quotes from 12 major insurers across all ZIP codes in the city, which totaled hundreds of thousands of data points to identify options that best fit local drivers.

We used a standard driver profile: a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit, and no claims history. This driver logs 12,000 miles annually and maintains continuous coverage with a valid license. We also adjusted factors like age, driving record, credit score, and military status to identify the best insurers for different types of drivers.

California requires minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage. These minimums satisfy legal requirements but leave you financially exposed after serious accidents, especially in a city where medical costs and vehicle values run high.

For full coverage comparison, we used $100,000/$300,000/$100,000 liability limits plus comprehensive and collision with $1,000 deductibles. This level provides stronger financial protection when you cause an accident or your car gets damaged, stolen, or totaled—particularly important given Pasadena's elevated auto theft rates and congested urban roadways.

Our ratings were based on three main factors: 

Affordability (60%), comparing quotes for a range of common driver profiles and evaluating how each company's rates stacked up in Pasadena.

Customer Experience (30%) reviewing insights from Google reviews, J.D. Power, AM Best, and Reddit discussions to understand overall satisfaction. 

Coverage Options (10%), looking at how many coverage types each insurer offers and whether they provide unique benefits or add-ons. This methodology identifies insurers offering genuine value for Pasadena drivers navigating one of LA County's more challenging and expensive insurance environments.