Compare the Cheapest Car Insurance Quotes in Pasadena

The average car insurance rate in Pasadena is around $1,448 per year, which is more expensive than the state and national averages. Farmers is the cheapest widely-available insurer, averaging around $883 per year. In addition to evaluating the cheapest policies, MoneyGeek also ranked the top insurers for combined affordability and quality customer service.

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Last Updated: 11/25/2022
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Farmers is the cheapest company for full coverage at $883 per year, though the best option for you will depend on your driver profile and your desired coverage.

Farmers also offers the cheapest state minimum policy at $467 per year. State Farm is the cheapest company for drivers with a speeding ticket.

USAA might be the most affordable option for active and retired military members and their families.

MoneyGeek found that GEICO is the top insurance provider for affordable plans and stellar customer service.

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The Cheapest and Best Car Insurance in Pasadena

The Cheapest Car Insurance Companies in Pasadena

The cheapest full coverage car insurance companies in Pasadena are:

  • Farmers: $883 per year
  • State Farm: $960 per year

If you have a military background, USAA may offer your best rates; it ranks second overall for affordability in Pasadena.

Farmers’ policies are 254% cheaper on average than those offered by The General, Pasadena’s most expensive insurer.

A full-coverage policy combines comprehensive and collision insurance, but your rates may vary depending on your liability coverage levels.

Cheapest Car Insurance in Pasadena
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Farmers
    $883
  • 2.
    USAA
    $914
  • 3.
    State Farm
    $960
  • 4.
    GEICO
    $1,042
  • 5.
    AAA
    $1,133
  • 6.
    Allstate
    $1,255
  • 7.
    Esurance
    $1,272
  • 8.
    Nationwide
    $1,466
  • 9.
    Mercury
    $1,649
  • 10.
    MetLife
    $1,691
  • 11.
    The General
    $3,127

Based on MoneyGeek's methodology, we gathered average rates for a sample 40-year-old male driver in Pasadena with a full coverage policy.

A full-coverage policy is costlier than liability or state minimum insurance, but it provides a higher level of protection against out-of-pocket costs.

A full-coverage policy includes:

  • Collision insurance: This coverage protects you from the cost of repairing or replacing your car if it’s damaged in a collision.
  • Comprehensive insurance: This coverage comes in handy in the event of non-collision damage to your car, such as hail, theft or vandalism.

If you have an older model car, a full-coverage policy might cost more than your car is worth to insure. In this case, you might consider getting liability-only insurance or even a state minimum policy.

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

State minimum insurance is the cheapest car insurance companies in Pasadena. The most affordable companies for state minimum insurance are:

  • Farmers: $467 per year
  • State Farm: $513 per year

USAA is the second cheapest option in Pasadena at $441 per year, but it’s only available to military members and their families.

Farmers' annual premium is cheaper by $1,016 than The General, Pasadena’s most expensive insurer for state minimum policies.

While state minimum insurance policies are the cheapest option for car insurance, they do not include comprehensive or collision coverage. They also have lower liability limits, putting you at risk of not being completely protected.

The cost of auto insurance in the city is determined by several factors, including the level of coverage you select. Using the chart below, you can see how rates change depending on the quantity of coverage you have.

Cheapest Minimum Liability Car Insurance in Pasadena
State Minimum

Buying the minimum car insurance in Texas is your most budget-friendly option, but it may not be the best option for you.

Minimum insurance in Texas is 30/60/25 plus personal injury protection. It offers the lowest level of protection in the state, only including minimum bodily injury and property damage liability insurance.

It may help you reduce your monthly bill, but it may trouble you with a heavy financial burden after an accident. For instance, if you are in a collision and you are responsible for $65,000 in medical expenses, your policy will only cover $30,000 per person (up to $60,000 total if more than one person is involved). This means you could be responsible for paying the difference of $35,000 out of pocket.

Texas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Pasadena if You Have Driving Violations

DUIs, speeding tickets, and at-fault accidents may significantly increase your insurance premiums. In Pasadena, the top insurers for drivers with traffic violations are:

  • Cheapest after a ticket: State Farm, $960 per year
  • Cheapest after an at-fault accident: State Farm, $1,153 per year
  • Cheapest after a DUI: Farmers, $1,303 per year

If you have a history of driving violations in Pasadena, you can improve your driving record over time to lower your insurance prices. In the meantime, the good alternative is to shop around for the cheapest car insurance after tickets or accidents.

Cheapest Car Insurance in Pasadena With a Violation
Speeding Ticket

Average Cost of Car Insurance in Pasadena

Pasadena$1,448
Texas$1,316
U.S.$1,424

In Pasadena, the average cost of car insurance is $1,448, which is 10% more expensive than the state average. In addition, drivers in Pasadena pay 1.7% more than the yearly average for the United States.

Personalized Quotes to Get You the Cheapest Car Insurance in Pasadena

Car insurance rates in Pasadena are based on several factors. These include your age, gender, the make and model of your vehicle, your desired coverage level and even your ZIP code. We recommend that you compare car insurance quotes for several insurers in Pasadena.

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

MoneyGeek identified the top car insurance companies in Pasadena, Texas, based on user satisfaction scores, claims and affordability ratings. The best auto insurance companies in Pasadena are:

  • State Farm: MoneyGeek score of 94.80 out of 100
  • Farmers: MoneyGeek score of 92.20 out of 100

We did not include USAA in this analysis. But, with a MoneyGeek score of 95.40 out of 100, it is the best auto insurance company in Pasadena if you have a military background.


1
State Farm
Score:95

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm ranks first for affordability in Pasadena, with a full coverage policy averaging $960 per year. It has a perfect score for stability and excellent claims and user satisfaction scores. State Farm does not have many unique coverage options, but its policyholders can get rideshare insurance as an add-on.

More About State Farm

State Farm's rideshare insurance is an optional coverage that protects drivers who use rideshare apps. The coverage ensures that your policy's medical, roadside assistance, and rental car reimbursement coverages remain in effect while you're working for a rideshare app. You can also purchase common add-ons like roadside assistance coverage in case your car breaks down and rental car and travel reimbursement coverage to cover travel expenses incurred while your car is in the shop for repairs.

Read MoneyGeek's State Farm auto Insurance Review
2
Farmers
Score:92

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

Geek Quick Take
Geek Quick Take

Farmers is one of Pasadena's top car insurance companies, with high customer satisfaction scores and claims. It also ranks high for affordability, with Farmer's policy averaging $883 per year. Pasadena drivers can choose from unique optional coverages like original equipment manufacturer (OEM) coverage.

More About Farmers

Pasadena drivers with cars less than 10 years old can opt for OEM coverage to cover the cost of only using factory-original parts in covered repairs. Farmers also has glass deductible modification coverage, which reduces your comprehensive deductible to $100 when the loss is restricted to glass. The company has optional custom parts coverage that can be useful if your car has customized parts like custom grills or a customized sound system. This coverage will reimburse you for damages to customized systems or parts in your car.

Read MoneyGeek's Farmers auto Insurance Review

Average Cost of Car Insurance by Postal Code

Car insurance in Texas varies depending on your ZIP code. For example, you may have to pay higher rates if you live in a neighborhood with a high number of collisions, car theft cases or uninsured motorists.

Drivers in Pasadena's 77502 ZIP code pay around $1,430 per year, which is $36 more expensive than the city’s cheapest ZIP code, 77506.

  • Zip Code
    State Minimumper year
  • 77506
    $1,430
  • 77502
    $1,466

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 Fatalities271st/300
handcuffs2 icon
Most Car Thefts188th/300
uninsured icon
Most Uninsured Motorists by State16th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall28th/300
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Most Rainy Days150th/300

About the Author


expert-profile

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.