Pearland, TX Car Insurance

In Pearland, the average monthly cost for full coverage car insurance is $159. Rates can range from a low of $154 to as high as $491, depending on the driver's profile and vehicle type. To help drivers understand what they might pay, the table below shows average car insurance costs for different driver profiles.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Pearland, full coverage car insurance costs about $1,923 per year, while minimum coverage is around $949. These rates are higher than the Texas averages, where full coverage is $1,705 and state minimum coverage is $816. Consider comparing options to find more affordable plans.

Even though premiums are rising in the Lone Star State, you can still find cheap car insurance in Pearland. Texas Farm Bureau offers the lowest rate for minimum coverage at $30 monthly. For full coverage, their rate is $65, making it the best choice.

Texas Farm Bureau often offers the cheapest car insurance, but rates vary for each driver. To find the best deal, get quotes from multiple providers. Below is a table with the cheapest car insurance rates for different driver profiles.

Car insurance companies in Pearland set their own prices. To find the best deal, compare rates from several providers. Below, we detail the most affordable options for minimum coverage and full coverage car insurance.

Texas Farm Bureau offers the cheapest minimum coverage auto insurance at $30 per month. State Farm follows with a rate of $43 monthly. See the breakdown of the cheapest options in the table below.

Texas Farm Bureau offers the cheapest full coverage car insurance in Pearland at $65 per month. Below is a list of other providers and their rates.

To find affordable car insurance in Pearland, compare quotes from several companies. Texas Farm Bureau offers the cheapest rate at $567 annually. Chubb, with a MoneyGeek score of 90, is the best-rated provider. Check the table below for more options.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,923 per year for 40-year-olds and $1,858 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Nationwide offers the cheapest overall car insurance for teens in Pearland for full coverage, saving $129 compared to the average state cost. The table below also breaks down some of the most affordable providers in the city for this age group.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

Texas Farm Bureau offers the lowest minimum coverage rate for young drivers in Pearland at $38 per month. For full coverage, their rate is the most affordable at $79 per month. Check the table below to find out which providers offer the cheapest rates for different young driver profiles.

Texas Farm Bureau offers the most affordable auto insurance for young drivers at $59 per month. Other companies with competitive rates are shown in the table below.

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Texas Farm Bureau is one of the cheapest car insurance providers for minimum coverage and drivers with a speeding ticket. Rates can vary based on factors like driving history and coverage needs.

The table below shows the cheapest providers for different driver and coverage profiles that may better fit you.

Texas Farm Bureau offers the cheapest monthly premium for seniors when considering both minimum and full coverage options. State Farm follows as the second most affordable at $61 per month. The table below shows more top car insurance providers for seniors in Pearland.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

In Pearland, high-risk drivers pay less for car insurance than the state average. The city’s minimum coverage costs $1,385 annually, while full coverage is $2,739. Compared to the state average of $1,998 for minimum and $3,982 for full coverage, Pearland is more affordable. However, drivers with bad credit and DUIs pay the most, while accidents and speeding tickets have a smaller effect on rates.

Mercury offers the cheapest minimum coverage for drivers with a DUI in Pearland at $764 annually. Texas Farm Bureau provides the most affordable full coverage policy at $1,524 per year. Check the table below for more low-cost coverage options.

*Rates are for a 40-year-old driver with good credit and a DUI.

Texas Farm Bureau, State Farm, and Progressive offer the most affordable car insurance for drivers with an at-fault accident record in Pearland. You can explore more about cheapest auto insurance after an at-fault accident. The table below highlights various providers offering budget-friendly coverage for such drivers.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

Texas Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket, offering rates of $30 for minimum coverage and $65 for full coverage in Pearland. Check the table below to see how other providers charge drivers with a speeding ticket on their record.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

Discover the most affordable rates for drivers with bad credit in Pearland. Mercury offers minimum coverage at $63/month, and Texas Farm Bureau provides full coverage at $144/month. See the table below for other affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

In the Lone Star State, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:

• $30,000 for bodily injury liability per person.
• $60,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.

For Texans, this minimum coverage helps cover costs if you're at fault in an accident, ensuring some financial protection against injuries and damages.

Texas Farm Bureau shines as the cheapest for both minimum and full coverage car insurance in Pearland. No matter your age or credit, you'll find providers with competitive rates to fit your budget. Remember, your policy must include Texas's mandatory coverage like bodily injury and property damage. By comparing car insurance, you can secure affordable rates that still follow Texas law.

This section offers quick answers to common questions about finding affordable and best car insurance options in Pearland. Learn about minimum coverage and other choices to make informed decisions easily.

MoneyGeek conducted an analysis of Pearland auto insurance prices using data from the Texas Department of Insurance and Quadrant Information Services.

Pearland Driver Profile

To assess the best and most affordable auto insurance options for Pearland residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Pearland

In assessing the car insurance quotes for Pearland, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Texas's mandated liability insurance parameters:

The minimum coverage requirements in Texas are:

• $30,000 for bodily injury liability per person.
• $60,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

We adjusted the scoring in certain categories as follows:

• In the best customer service category, affordability was assigned a score of zero, while the scores for customer satisfaction, claims and coverage received an additional 10 possible points each.
• For the best minimum coverage category, the maximum points for satisfaction were reduced to 25, and maximum points for affordability increased to 40.
• We calibrated the affordability scores based on the quoted rates, which varied with the sample driver’s age or driving record.
• We also made qualitative evaluations for instances where certain insurers had coverage options that their competitors did not offer.

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Texas providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Pearland
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Pearland.

For more details on the methodology, visit MoneyGeek's methodology.