Cheapest and Best Car Insurance Companies in Pasadena, TX

State Farm provides Pasadena drivers with the most affordable minimum and full coverage car insurance. It is also the best choice for military drivers and those with violations on their records. Nationwide is the best for teen drivers. The ideal choice depends on your needs as a client and your driving history.

Overall, Texas Farm Bureau provides the best full and minimum coverage auto insurance in Pasadena, while Chubb ranks highest for customer service.

Of the 12 companies we analyzed, the two insurers below provide the cheapest minimum coverage rates in Pasadena:

• State Farm: $363 per year
• Texas Farm Bureau: $426 per year

With an annual average cost of $300 as of October 2022, State Farm’s average cost in Texas is higher than in Pasadena. Dairyland has the most expensive minimum coverage in the city, at an average annual cost of $1,333.

Texas law sets the minimum liability limits for Pasadena. The state requires the following damage to personal property and bodily injury coverage:

• $30,000 per person for bodily injury
• $60,000 per accident for bodily injury
• $25,000 per accident for property damage
• $2,500 for personal injury protection (unless waived in writing)

Minimum coverage only includes protection against third-party losses. This means your insurance provider will only pay $30,000 in damages to any victims and a maximum of $60,000 per accident if your bodily injury liability is $60,000 per accident and $30,000 per person.

MoneyGeek ranked the following companies as the most affordable auto insurance in Pasadena for full coverage:

• State Farm: $726 per year
• Texas Farm Bureau: $907 per year

The least expensive choice in Texas is also State Farm, which has an average annual premium of $711 in the state as of October 2022 — a price slightly lower than in Pasadena. The highest annual insurance rates in Pasadena for full coverage are from Dairyland at $2,288.

Full coverage insurance provides the necessary security against having to pay a sizable amount for car damages. These are its main components:

• Comprehensive Insurance: Protects against car damage from animal collisions or falling tree limbs.
• Collision Insurance: Covers damages sustained in collisions with other cars or structures.

Although full coverage offers extra protection, it is not the most cost-effective option if you own an older model car.

For drivers with any of the following offenses on their records, one provider comes out on top ranking as the most affordable auto insurance in Pasadena:

• Speeding ticket: State Farm ($726 per year)
• At-fault accident: State Farm ($901 per year)
• DUI: State Farm ($1,323 per year)

The three most costly insurance rates are from Dairyland ($2,826 for a speeding ticket), Foremost ($3,973 for an at-fault accident) and Chubb ($2,864 for a DUI). Even the most affordable policies are subject to price increases when a driver gets a violation citation.

Insurance rates escalate based on the seriousness of the driving offense. If you have a DUI and a speeding ticket on your records in Pasadena, you should be prepared for hefty insurance increases of at least $584 and $257, respectively.

Even with a bad driving history, you can still find affordable car insurance.

The following companies, out of the six analyzed, provide the cheapest auto insurance for teen drivers in Pasadena when added to a family policy:

• Nationwide: $1,708 per year for female teens; $1,947 per year for male teens
• State Farm: $1,915 per year for female teens; $2,316 per year for male teens

Because they tend to be riskier drivers, male teens usually pay more than female teens. For instance, the most expensive rates in the city, from Allstate, cost teen females and males in Pasadena $7,070 and $8,320, respectively. Always compare prices before making a choice.

Teen insurance policies are far more expensive if purchased separately versus if a parent adds the teen to an existing policy. For instance, individual insurance for a male teen in Pasadena would cost $3,267 more than adding them to a family plan.

Families and teen drivers can review the most affordable teen car insurance to compare prices and save more.

The following offer military personnel and their families the most affordable full coverage car insurance in Pasadena:

• State Farm: $726 per year
• Texas Farm Bureau: $907 per year

With a yearly cost of $363, State Farm is also the cheapest option in Pasadena if you only purchase minimum coverage.

USAA, an insurance company that exclusively offers coverage to military personnel and their families, is the third most affordable option in the city.

Request quotes from at least three Pasadena insurance companies to get a more accurate idea of typical costs and coverage. Acquiring insurance quotes online can take 15 minutes or longer per company. Depending on your age, coverage, driving history and car model, MoneyGeek's insurance calculator can calculate your rates instantly.

The following companies top MoneyGeek's list of the best auto insurance providers in Pasadena:

• Best overall: Texas Farm Bureau (MoneyGeek score of 77 out of 100)
• Best for service: Chubb (MoneyGeek score of 76 out of 100)
• Best cheap: Texas Farm Bureau (MoneyGeek score of 79 out of 100)

When scoring for best service, we don’t consider affordability. Chubb received excellent ratings for service quality, earning its place at the top of the service category despite having some of the most expensive rates in Pasadena.

The following companies have distinguished themselves as the overall best car insurance companies in Pasadena out of the 12 insurers analyzed:

• Texas Farm Bureau: MoneyGeek score of 77 out of 100 ($907 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($726 per year)

Because of its excellent affordability and client satisfaction ratings, Texas Farm Bureau takes the top slot as Pasadena's leading car insurance company.

When considering service excellence, we did not consider scores for affordability. The following car insurance companies offer the best customer service in Pasadena:

• Chubb: MoneyGeek score of 76 out of 100 ($1,463 per year)
• Foremost: MoneyGeek score of 67 out of 100 ($1,715 per year)

Chubb has outstanding scores across most of MoneyGeek's categories, making it the top car insurance in Pasadena for customer service despite having some of the most expensive rates in the city.

MoneyGeek examined 12 Pasadena auto insurance companies that offer the minimum coverage required by Texas law. The best cheap auto insurance companies are as follows:

• Texas Farm Bureau: MoneyGeek score of 79 out of 100 ($426 per year)
• State Farm: MoneyGeek score of 78 out of 100 ($363 per year)

Even though the minimum level of necessary coverage is the cheapest, be aware that you may need more than this to cover collision-related losses or protect you from liability claims.

Apart from location, other factors can impact insurance costs. Compared to Texas' average of $1,201 and the U.S. average of $1,265, the average annual cost of auto insurance in Pasadena is higher at $1,274 as of October 2022. The bodily injury liability limits for these full coverage rates are $100,000 per accident, $300,000 per person and $100,000 per person for property damage liability.