Updated: December 29, 2025
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State Farm: Cheapest across most driver profiles. At $47 monthly for minimum coverage and $102 for full coverage, State Farm saves drivers 48% compared to Pearland's average.
AAA: Second cheapest at $69 monthly minimum and $137 full coverage. It's affordable across multiple driver categories.
GEICO: Third cheapest at $73 monthly minimum and $141 full coverage, with rates 25% below city average.
Cheapest Monthly Rates by Coverage and Driver Profile in Pearland:
State Farm offers the cheapest minimum coverage at $47 monthly, while AAA is the second cheapest at $69. For full coverage, State Farm stays the cheapest at $102 monthly, with AAA second at $137. Both save you over 28% compared to Pearland's average. Get quotes from at least three companies because rates vary by ZIP code and driving history.
| State Farm | $47 | $102 | -48% |
| AAA | $69 | $137 | -28% |
| Geico | $73 | $141 | -25% |
| Germania Insurance | $76 | $145 | -22% |
| Mercury Insurance | $78 | $163 | -15% |
Not in Pearland? Read more about the cheapest car insurance in Texas or the best car insurance in Texas.
Teens and drivers in their early 20s pay the highest rates due to inexperience. State Farm offers the cheapest full coverage at $231 monthly. GEICO charges $259, and Germania Insurance costs $285.
Young drivers can cut costs by hundreds of dollars annually by staying on a parent's policy instead of buying separate coverage. Defensive driving courses earn 5% to 15% discounts.
| State Farm | $231 | $2,775 | -47% |
| Geico | $259 | $3,112 | -40% |
| Germania Insurance | $285 | $3,418 | -35% |
| AAA | $314 | $3,766 | -28% |
| Allstate | $412 | $4,946 | -5% |
Senior drivers in Pearland pay lower rates than most age groups. State Farm charges the least at $115 monthly for full coverage. Germania Insurance costs $153, and GEICO charges $173. Defensive driving courses earn seniors up to 10% discounts that last three years. Most insurers offer accident forgiveness programs for drivers 65 and older. State Farm provides mature driver discounts and defensive driving course credits.
| State Farm | $115 | $1,384 | -50% |
| Germania Insurance | $153 | $1,832 | -34% |
| Geico | $173 | $2,075 | -26% |
| AAA | $179 | $2,145 | -23% |
| Progressive | $231 | $2,774 | -1% |
Violations increase your rates, though insurers charge different amounts for the same infraction. State Farm charges drivers with at-fault accidents $56 monthly for minimum coverage, compared to Germania's $77. For speeding tickets, State Farm costs $47 a month, and Germania charges $76. State Farm offers the best DUI rates at $77 monthly, with Mercury at $107.
Compare quotes after a violation, as rates differ by hundreds of dollars across insurers. Speeding tickets stay on your record for three to five years. DUIs and serious violations affect rates for up to 10 years.
| At-Fault Accident | State Farm | $56 | -57% |
| At-Fault Accident | Germania Insurance | $77 | -40% |
| DUI | State Farm | $77 | -45% |
| DUI | Mercury Insurance | $107 | -23% |
| Speeding Ticket | State Farm | $47 | -57% |
| Speeding Ticket | Germania Insurance | $76 | -30% |
Pearland rates span from $164 to $203 monthly for full coverage, depending on your ZIP code. High-risk areas like 77581 cost $203. Safer neighborhoods like 77584 cost $164.
Your ZIP code matters more than your neighborhood when insurers calculate rates. Crime rates, traffic density and accident frequency create a $39 monthly gap between Pearland's most and least expensive ZIP codes.
| 77581 | $203 |
| 77584 | $164 |
| 77584 | $164 |
| 77581 | $203 |
State Farm leads Pearland's insurance market with a MoneyGeek score of 95 out of 100. It combines the lowest average premiums with outstanding customer service scores and comprehensive coverage options.
AAA, GEICO, Mercury and Progressive are also great options. These insurers offer competitive rates, quality customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| AAA | 91 | 2 | 4 | 6 |
| Geico | 89 | 3 | 6 | 6 |
| Mercury Insurance | 89 | 5 | 5 | 4 |
| Progressive | 88 | 6 | 2 | 2 |
Cheapest rates across all driver profiles
Full coverage rates 48% below city average
4.5 out of 5 customer service rating
Limited coverage options compared to competitors
Slower claims processing than expected
Restricted flexibility for high-risk drivers
State Farm ranks first in Pearland with the lowest rates across all driver profiles and a 4.5 out of 5 customer service rating. It charges full coverage rates 48% below the city average and provides 24/7 support through its Pocket Agent mobile app.
State Farm handles hurricane season emergencies with comprehensive weather-related coverage for storms and theft protection. Its Drive Safe & Save program rewards safe driving with additional discounts, and its local agents understand Texas regulations.
Second cheapest rates across most profiles
Competitive pricing for young and senior drivers
Roadside assistance for highway emergencies
Requires AAA membership to qualify for coverage
Limited online services for policy management
Less flexible coverage customization options
AAA ranks second in Pearland with competitive rates for young and senior drivers and strong customer service scores. It provides 24/7 digital tools and prompt claims handling during severe weather. AAA handles Pearland's hurricane risks with comprehensive coverage options and specialized roadside assistance across Texas highways. Its accident forgiveness programs provide additional protection for drivers.
Pearland drivers pay elevated car insurance rates. Finding affordable coverage requires comparing quotes from multiple insurers.
Bundle auto with home or renters (15% to 25% off). Add multi-car discounts (10% to 25% per vehicle). Combine good driver, paperless billing and automatic payment for 30% to 40% total savings.
Move from $500 to $1,000 and save 10% to 15% annually. Choose only what you can afford in cash.
Rates change yearly as companies adjust for Pearland's risk profile. Your driving record improves after three years, unlocking lower rates.
Our Pearland insurance experts break down local coverage options and pricing to help you secure affordable protection.
Pearland car insurance is moderately expensive. It costs $183 a month for full coverage. The most expensive location in Texas costs $225 per month, and the cheapest costs $48.
Finding affordable car insurance in Pearland starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Texas' insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 77581 often pay much more than those in 77584.
We partnered with the Texas Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Pearland ZIP code.
Our ratings for the best car insurance in Pearland are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Pearland neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
