Cheapest and Best Car Insurance Companies in Pasadena, TX


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ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

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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.

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2024

Cheapest and Best Car Insurance in Pasadena, TX

Why Trust MoneyGeek? To find the most affordable auto insurance in Pasadena for different driver profiles, we collected information from Quadrant Information Services and the Texas Department of Insurance.

328,384Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Liability Car Insurance in Pasadena

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
State FarmAnnual Premium$363Monthly Premium$30
Texas Farm BureauAnnual Premium$426Monthly Premium$35
MercuryAnnual Premium$443Monthly Premium$37
AllstateAnnual Premium$458Monthly Premium$38
AAA TexasAnnual Premium$548Monthly Premium$46
NationwideAnnual Premium$602Monthly Premium$50
GEICOAnnual Premium$611Monthly Premium$51
ProgressiveAnnual Premium$621Monthly Premium$52

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.

Cheapest Full Coverage Car Insurance in Pasadena

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$726Monthly Premium$60
Texas Farm BureauAnnual Premium$907Monthly Premium$76
MercuryAnnual Premium$973Monthly Premium$81
AllstateAnnual Premium$980Monthly Premium$82
GEICOAnnual Premium$1,073Monthly Premium$89
AAA TexasAnnual Premium$1,094Monthly Premium$91
NationwideAnnual Premium$1,168Monthly Premium$97
ChubbAnnual Premium$1,463Monthly Premium$122

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.

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Cheapest Car Insurance in Pasadena After a Driving Offense

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$726Monthly Premium$60
Texas Farm BureauAnnual Premium$907Monthly Premium$76
AllstateAnnual Premium$980Monthly Premium$82
GEICOAnnual Premium$1,250Monthly Premium$104
NationwideAnnual Premium$1,365Monthly Premium$114
MercuryAnnual Premium$1,410Monthly Premium$118
AAA TexasAnnual Premium$1,430Monthly Premium$119
ChubbAnnual Premium$1,581Monthly Premium$132

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.

Cheapest Car Insurance in Pasadena for Teens and Their Families

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,708Individual Plan Monthly Premium$7,118
State FarmFamily Plan Annual Premium$1,915Individual Plan Monthly Premium$8,795
GEICOFamily Plan Annual Premium$2,619Individual Plan Monthly Premium$8,544
ProgressiveFamily Plan Annual Premium$3,901Individual Plan Monthly Premium$18,342
ForemostFamily Plan Annual Premium$4,082Individual Plan Monthly Premium$17,301
AllstateFamily Plan Annual Premium$7,070Individual Plan Monthly Premium$13,217

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.

Cheapest Car Insurance in Pasadena for Military Drivers

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$726Monthly Premium$60
Texas Farm BureauAnnual Premium$907Monthly Premium$76
USAAAnnual Premium$909Monthly Premium$76
MercuryAnnual Premium$973Monthly Premium$81
AllstateAnnual Premium$980Monthly Premium$82
GEICOAnnual Premium$1,073Monthly Premium$89
AAA TexasAnnual Premium$1,094Monthly Premium$91
NationwideAnnual Premium$1,168Monthly Premium$97

How to Compare Cheap Pasadena Car Insurance Quotes Online

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.

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Rates updated:

Jun 13, 2024

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Best Car Insurance in Pasadena: Summary

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.

Best Overall Car Insurance 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.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

checkmark

Outstanding customer satisfaction

checkmark

Second-cheapest insurance rates in the city

checkmark

Provides standard add-on coverages

cons

close

Weak claims management score

close

Membership required to buy a policy

COMPANY HIGHLIGHTS

With the second most affordable insurance premiums at $907 annually, Texas Farm Bureau emerged as the overall best auto insurance in Pasadena. It has a low number of customer complaints and an outstanding MoneyGeek score for affordability. However, this insurer has a poor rating in claims management.

In terms of coverage options, Texas Farm Bureau provides roadside assistance, rental car and/or travel reimbursement and rideshare insurance. These are standard add-on coverages across other insurance companies. Aside from the fact that it does not provide deductible modification, accident forgiveness or new car replacement, you will also need a Farm Bureau membership to obtain a policy.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in Pasadena for Customer Service

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.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Ranked #3 in customer satisfaction out of 12 companies

checkmark

Strong claims management score

checkmark

Provides unique coverages

cons

close

Lacks some of the most common add-on coverages

close

Among the most expensive rates in the city

COMPANY HIGHLIGHTS

With outstanding MoneyGeek scores for customer satisfaction and claims management, Chubb is the best auto insurance in Pasadena for those who value customer service. Out of 12 insurance companies analyzed, this company earned the third spot for client satisfaction.

Despite having one of the most expensive rates in Pasadena, Chubb offers unique add-on coverages, such as antique/classic car insurance, diminished value coverage and original equipment manufacturer (OEM) coverage. However, other standard coverages are absent from its roster, although it does offer rental car and/or travel reimbursement coverage.

Best Cheap Car Insurance in Pasadena

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.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

checkmark

An affordable minimum coverage policy costs $426 per year

checkmark

Provides standard customer discounts

cons

close

Offers few coverage options

close

Poor claims management rating

COMPANY HIGHLIGHTS

Texas Farm Bureau is the best cheap auto insurance in Pasadena, with an average annual cost of $426 for minimum coverage. This insurer is the second cheapest in the city and has a strong customer satisfaction rating.

Regardless of your driving history, discounts from this company can help you lower your car insurance costs. Texas Farm Bureau offers some standard discounts, including those for safe driving, anti-theft systems, multiple vehicles, bundling and good students. Unlike many of its counterparts, it does not provide discounts for defensive driving, full payment, going paperless or having airbags.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Average Cost of Car Insurance in Pasadena

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.