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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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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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

For drivers in Pasadena, MoneyGeek evaluated car insurance companies that strike a good balance between pricing and service quality. Based on these factors, the top auto insurers are:

  • GEICO: MoneyGeek score of 85 out of 100
  • State Farm: MoneyGeek score of 85 out of 100

According to MoneyGeek's methodology, USAA received a perfect score. However, because its policies are only available to military members, veterans and their families, it is not listed as best overall.

MoneyGeek evaluated the best companies based on their financial stability, plan affordability and J.D. Power’s data on consumer satisfaction.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Auto Club of Southern California Insurance Group
Score:85

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Allstate
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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
umbrella icon
Most Rainy Days150th/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


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.