State Farm has the cheapest car insurance in Pearland, with annual rates of $564 for minimum coverage and $1,226 for full coverage. AAA, GEICO and Germania also offer competitive rates in the city.
Car Insurance in Pearland
Updated: August 19, 2025
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Key Takeaways
The cheapest car insurance companies in Pearland are State Farm, AAA and GEICO, with rates up to 48% lower than the city average.
Monthly car insurance costs in Pearland average $183 for full coverage and $85 for minimum coverage.
To get the best cheap auto insurance in Pearland, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Pearland?
| State Farm | $47 | $102 | -48% |
| AAA | $69 | $137 | -28% |
| GEICO | $73 | $141 | -25% |
| Germania | $76 | $145 | -22% |
| Mercury | $78 | $163 | -15% |
Cheapest Pearland Car Insurance by Category
State Farm leads affordability in eight of nine driver categories in Pearland. GEICO offers the cheapest rates for drivers with bad credit.
| Young Drivers | State Farm | $108 |
| Adult Drivers | State Farm | $47 |
| Senior Drivers | State Farm | $55 |
| Drivers With an Accident | State Farm | $56 |
| Drivers With a DUI | State Farm | $77 |
| Drivers With a Speeding Ticket | State Farm | $47 |
| Drivers With Bad Credit | GEICO | $105 |
| Drivers With Newer Cars | State Farm | $65 |
| Drivers With Old Cars | State Farm | $43 |
Compare the Cheapest Pearland Car Insurance for You
Your driving record and personal details determine your car insurance costs, with rates varying by thousands of dollars between companies. Use this table to find insurers that offer the best rates for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| State Farm | $47 | $564 | -48% |
| AAA | $69 | $827 | -24% |
| Geico | $73 | $875 | -19% |
| Germania Insurance | $76 | $917 | -16% |
| Mercury Insurance | $78 | $941 | -13% |
Best Car Insurance Companies in Pearland
In Pearland, the top car insurance companies are State Farm, AAA, GEICO, and Mercury. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| AAA | 91 | 2 | 4 | 6 |
| GEICO | 89 | 3 | 6 | 6 |
| Mercury | 89 | 5 | 5 | 4 |
| Progressive | 88 | 6 | 2 | 2 |
State Farm: Best Overall Value
pros
Excellent rates across driver categories
Strong customer service ratings
Multiple discount opportunities
cons
Limited coverage options
Online tools need improvement
COMPANY HIGHLIGHTS
State Farm offers the most affordable rates and consistent service quality for car insurance in Pearland. The company offers the lowest premiums, with rates below the city average. State Farm offers the best rates for most driver types, including adults, seniors and young drivers. Even drivers with accidents or DUIs find competitive rates here. While coverage options are more limited than some competitors, the company's strong customer service ratings show that it handles claims efficiently.
AAA: Runner-Up for Best Overall
pros
Competitive rates for most drivers
Quality customer service experience
Member benefits and perks
cons
Membership required for coverage
Limited coverage customization
COMPANY HIGHLIGHTS
AAA earns second place in Pearland with its competitive rates and reliable service. It maintains lower-than-average premiums while delivering consistent customer support. AAA stands out for its member perks and benefits, though requiring a membership may not appeal to everyone. While the company matches State Farm in coverage limitations, its strong customer experience ratings and competitive pricing make it a solid choice for Pearland drivers seeking reliable coverage with added benefits.
How Much Is Car Insurance in Pearland?
In Pearland, minimum coverage costs about $85 per month or $1,026 per year, ranking 1438th out of all Texas cities for affordability. Full coverage averages $183 monthly or $2,201 annually, ranking 1454th among Texas cities.
| Full Coverage | $183 | $2,201 |
| Minimum Coverage | $85 | $1,026 |
Pearland Car Insurance Cost by Category
Coverage rates in Pearland range from $78 to $412 per month based on general driving categories. Below, you can review average rates in your category.
| Young Drivers | $204 | $410 |
| Adult Drivers | $85 | $183 |
| Senior Drivers | $112 | $222 |
| Drivers With an Accident | $123 | $258 |
| Drivers With a DUI | $133 | $270 |
| Drivers With a Speeding Ticket | $102 | $220 |
| Drivers With Bad Credit | $187 | $412 |
| Drivers With Newer Cars | $105 | $227 |
| Drivers With Old Cars | $78 | $167 |
Pearland Car Insurance Costs by ZIP Code
In Pearland, car insurance rates by ZIP code range from $70 to $203 per month. ZIP code 77581 is the most expensive, while 77584 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:77584
| 77584 | $70 | $164 |
Compare Personalized Pearland Car Insurance Costs
Find rates that match your exact profile by filtering this table's average premiums based on your age, driving record and other personal factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $90 | $1,074 | 32% |
How to Get the Best Cheap Pearland Car Insurance
Finding affordable car insurance in Pearland can be challenging with Texas's high average rates and complex coverage options. Our step-by-step guide will show you how to lower your costs while getting the right coverage for your needs.
- 1
Calculate your coverage needs
Start by determining how much coverage you need based on your vehicle's value and your financial situation. Use our car insurance coverage needs calculator to get a personalized recommendation. Consider factors like your car's age, your savings, and local traffic conditions in Pearland.
- 2
Explore different coverage types
Look into various types of car insurance to find the best fit. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Non-owner insurance might be your best option.
- 3
Know the average costs
Research average vehicle insurance costs in Pearland to set realistic expectations. This knowledge helps you identify truly competitive rates and avoid overpaying. Compare these averages to quotes you receive.
- 4
Check available discounts
Take advantage of every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver, good student, and professional organization discounts can also reduce your premium.
- 5
Research insurance company ratings
Evaluate insurance companies based on their customer service ratings and claims satisfaction scores. Check local reviews from other Pearland drivers. A company's financial strength rating indicates their ability to pay claims consistently.
- 6
Get quotes from multiple insurers
Request quotes from at least three different insurance providers. Use insurance comparison websites, contact local agents, and visit company websites directly. Each insurer uses different factors to calculate rates, so comparing multiple quotes helps find the best deal.
- 7
Review your policy annually
Set a yearly reminder to review your car insurance policy. Life changes like improved credit scores, newer vehicles, or changes in driving habits can affect your rates. Shopping around each year ensures you maintain the most competitive rate.
Cheapest Car Insurance in Pearland: Bottom Line
Car insurance rates in Pearland depend on your age, driving record and credit score. State Farm and AAA offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Pearland Car Insurance: FAQ
Get clear answers about finding affordable car insurance in Pearland. We analyzed local rates and coverage options to help you secure the best protection for your budget.
What is the cheapest car insurance company in Pearland, Texas?
State Farm offers the lowest rates in Pearland, with average annual premiums of $564 for minimum coverage and $1,226 for full coverage. Actual rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Pearland?
State Farm leads Pearland's insurance providers with a MoneyGeek score of 95 out of 100, scoring four points higher than AAA. The company delivers excellent service and competitive rates.
What is the average cost of car insurance in Pearland?
In Pearland, drivers pay $2,201 annually for full coverage and $1,026 for minimum coverage. Actual rates vary based on individual driving factors and circumstances.
Is car insurance in Pearland expensive?
Car insurance in Pearland costs more than average, ranking 1438th for minimum coverage affordability and 1454th for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Pearland, TX
To help Pearland drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
Pearland Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Pearland
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed August 19, 2025.