Compare the Cheapest Car Insurance Quotes in Pearland

The average cost of car insurance in Pearland is $1,287 per year, which is less than the state average. MoneyGeek analyzed the cheapest providers based on coverage amount and driver’s profile. State Farm offers the cheapest car insurance at an average annual cost of $824. MoneyGeek also found the best companies balancing cost and service.

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Last Updated: 5/16/2022
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State Farm is the cheapest overall insurer in Pearland. MoneyGeek found that, for a state minimum policy, Farmers charges the cheapest annual rate, while State Farm is the cheapest for drivers with a speeding violation.

If you are part of a military family, USAA might be your best option.

Based on MoneyGeek’s research, GEICO is the best company balancing cost and service.

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The Cheapest and Best Car Insurance in Pearland

The Cheapest Car Insurance Companies in Pearland

On average, the most affordable options for drivers looking for a full coverage policy in Pearland are:

  • State Farm: $824 per year
  • Farmers: $835 per year

State Farm offers the most affordable coverages and policies. It is approximately 234% less expensive than a similar coverage with the city’s most expensive car insurance company, The General.

A full-coverage policy includes liability, comprehensive and collision insurance, in addition to any optional coverages. Your prices may change depending on how much liability insurance you select.

Cheapest Car Insurance in Pearland
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    State Farm
    $824
  • 2.
    Farmers
    $835
  • 3.
    USAA
    $846
  • 4.
    GEICO
    $888
  • 5.
    AAA
    $988
  • 6.
    Allstate
    $1,115
  • 7.
    Esurance
    $1,217
  • 8.
    Nationwide
    $1,232
  • 9.
    Mercury
    $1,407
  • 10.
    MetLife
    $1,611
  • 11.
    The General
    $2,753

MoneyGeek’s analysis is based on collected average rates for a 40-year-old male driver in Pearland with a full coverage policy, in accordance with our methodology.

A full coverage policy is more expensive than a liability-only coverage or a policy that only meets the state’s minimum requirements because it also includes comprehensive and collision insurance. Having these provides more financial protection to the policyholder in the event of an accident.

  • Comprehensive Insurance: Covers payments for the repair or replacement of your vehicle if it gets damaged due to a non-accident incident.
  • Collision Insurance: Helps cover fees for the repair or replacement of your vehicle if it gets damaged in an accident in an at-fault accident.

If you have an older car, your best option might be to buy liability-only insurance or the state minimum to get the cheapest rates. Otherwise, you might end up paying more in premiums than your car is worth.

Compare Car Insurance Rates in Pearland

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 Pearland for Minimum Coverage

​​State minimum policies offer the cheapest car insurance options in Pearland because they do not include comprehensive and collision coverages.

On average, the cheapest quotes for the minimum coverage in Pearland are from:

  • Farmers: $427 per year
  • State Farm: $447 per year

If you have a military background or are part of a military family, you could be eligible for USAA, which is the second cheapest car insurance company at roughly $422 per year.

Farmers is $970 less expensive on average than a similar coverage with the city’s most expensive car insurance company, The General. Although minimum coverage is generally the cheapest option, it may not cover all of your expenses after an accident.

Toggle the table below to see how costs change depending on liability coverage.

Cheapest Minimum Liability Car Insurance in Pearland
State Minimum

While the minimum car insurance in Texas is the cheapest insurance you can buy in Pearland, it also offers the least protection. It only includes 30/60/25 limits along with $2,500 in personal injury protection.

Going for this cheaper option may help you save on your monthly bill, but it could cause you to pay more should an accident occur. For example, if you are at fault for $75,000 in medical bills after an accident and you only have $60,000 in bodily injury liability insurance per accident, then you would have to pay $15,000 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 Pearland if You Have Driving Violations

​​A violation can increase your premiums. On average, the best insurers in Pearland with the cheapest rates for drivers with violations are:

  • Cheapest after a ticket: State Farm at $824 per year
  • Cheapest after an at-fault accident: State Farm at $995 per year
  • Cheapest after a DUI: Farmers at $1,231 per year

Someone with a poor driving history can improve their records over time and get cheaper insurance. In the meantime, it makes sense to shop around and find out which company offers the best deal.

Cheapest Car Insurance in Pearland With a Violation
Speeding Ticket

Average Cost of Car Insurance in Pearland

Pearland$1,287
Texas$1,316
U.S.$1,424

The average annual cost of car insurance in Pearland is $1,287, which is lower than both the state and national average annual rates. Drivers in Pearland enjoy insurance rates that are 2.2% cheaper than the average annual cost of car insurance in Texas and 9.6% below the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Pearland

Providers rely on several factors when determining your car insurance quotes, such as the driver’s age and gender, the make and model of the vehicle, insurance coverage level and ZIP code, among others.

Make sure you shop around and compare quotes from multiple providers because this is the only way for you to check which insurer charges the lowest premiums. We also recommend that you regularly ask for a personalized quote as your circumstances change.

Compare Car Insurance Rates in Pearland

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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The Best Car Insurance Companies in Pearland

MoneyGeek ranked the best insurance companies in Pearland if you are looking to find a balance between cost and service quality.

Our analysis revealed that the best insurers are:

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

USAA received the highest ratings and is the top choice for military personnel and their families.

We calculated these scores based on several data points, including J.D. Power user satisfaction, affordability and financial stability.


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

Your ZIP code also has a bearing on how much your premium costs in Texas. This is because insurance providers typically factor in the number of uninsured drivers, accidents and incidents of car theft in the area to evaluate how risky it is to cover you.

However, in Pearland, differences in average premiums based on ZIP code are not significant. For instance, the most affordable rates are given to drivers living in ZIP code 77584. They could pay around $49 less than someone from ZIP code 77581, the most expensive ZIP code in the city.

  • Zip Code
    State Minimumper year
  • 77584
    $1,262
  • 77581
    $1,311

Factors That Impact Insurance Costs in Pearland

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 Pearland. How Pearland 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 Fatalities288th/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

Methodology and Assumptions

MoneyGeek’s average premium rates for Pearland 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.