Cheapest and Best Car Insurance Companies in Pearland, TX


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ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

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The cheapest car insurance provider will depend on your needs and driving record. For example, Texas Farm Bureau is the cheapest and best company overall in Pearland, Texas, but Nationwide and State Farm are the cheapest for teens and military personnel, respectively. State Farm is also the least expensive if you have a DUI, at-fault accident or speeding on your record. Chubb has the best customer service.

MoneyGeek Logo IconCheapest + BestCar InsurancePearland
2024

Cheapest and Best Car Insurance in Pearland, TX

Why Trust MoneyGeek? MoneyGeek used data from Quadrant Information Services and the Texas Department of Insurance to analyze Pearland car insurance rates.

328,384Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Liability Car Insurance in Pearland

The following companies provide the most affordable minimum coverage car insurance rates in Pearland, Texas.

  • Texas Farm Bureau: $359 per year
  • State Farm: $380 per year

State Farm offers the cheapest car insurance in Texas at an average of $300 a year as of October 2022. However, the company’s Pearland rate is much higher, illustrating how premiums can vary depending on where you live. Dairyland’s minimum coverage insurance, which costs $1,370 annually, is the most expensive in the city.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Texas Farm BureauAnnual Premium$359Monthly Premium$30
State FarmAnnual Premium$380Monthly Premium$32
AllstateAnnual Premium$432Monthly Premium$36
MercuryAnnual Premium$490Monthly Premium$41
AAA TexasAnnual Premium$553Monthly Premium$46
NationwideAnnual Premium$599Monthly Premium$50
GEICOAnnual Premium$640Monthly Premium$53
ProgressiveAnnual Premium$685Monthly Premium$57

According to Texas state law, minimum coverage insurance must include property damage and bodily injury coverage, with the following limits:

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

These limits mean that regardless of how many people are injured, insurance companies will only pay up to $60,000 per accident, with a maximum of $30,000 for each person hurt. Any costs beyond the maximum are the policyholder’s responsibility.

Cheapest Full Coverage Car Insurance in Pearland

The following auto insurance providers in Pearland provide the cheapest full coverage plans:

  • State Farm: $756 per year
  • Texas Farm Bureau: $776 per year

Dairyland offers the most expensive full coverage insurance in the city at $2,341 per year as of October 2022. State Farm also offers the most affordable full coverage auto insurance in Texas.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$756Monthly Premium$63
Texas Farm BureauAnnual Premium$776Monthly Premium$65
AllstateAnnual Premium$926Monthly Premium$77
MercuryAnnual Premium$1,058Monthly Premium$88
AAA TexasAnnual Premium$1,093Monthly Premium$91
GEICOAnnual Premium$1,118Monthly Premium$93
NationwideAnnual Premium$1,165Monthly Premium$97
ChubbAnnual Premium$1,526Monthly Premium$127

Full coverage insurance includes comprehensive and collision coverage.

  • Collision Insurance: Pays to repair or replace your car after hitting another car or a stationary object.
  • Comprehensive Insurance: Protects against the cost of vehicle damage caused by incidents other than collisions, like explosions and vandalism.

Full coverage may not be worth the cost if you have an older car. You could pay more for the policy than the car is worth.

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Cheapest Car Insurance in Pearland After a Driving Offense

State Farm offers the most competitive rates to Pearland drivers with traffic infractions.

  • Speeding ticket: State Farm ($756 per year)
  • At-fault accident: State Farm ($940 per year)
  • DUI: State Farm ($1,382 per year)

Chubb has the highest rate for drivers who have been charged with DUI ($2,989), Dairyland after a speeding ticket ($2,894) and Foremost after an accident ($4,219).

Drivers with bad records pay higher rates than policyholders with spotless records, demonstrating that driving history significantly influences premium costs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$756Monthly Premium$63
Texas Farm BureauAnnual Premium$776Monthly Premium$65
AllstateAnnual Premium$926Monthly Premium$77
GEICOAnnual Premium$1,305Monthly Premium$109
NationwideAnnual Premium$1,362Monthly Premium$113
AAA TexasAnnual Premium$1,434Monthly Premium$119
MercuryAnnual Premium$1,539Monthly Premium$128
ChubbAnnual Premium$1,649Monthly Premium$137

Rates typically increase depending on the seriousness of the offense. For instance, in Pearland, premiums increase by $321 after a speeding ticket and by $643 after a DUI. Finding affordable car insurance if you have a bad driving record is still possible if you shop around.

Cheapest Car Insurance in Pearland for Teens and Their Families

The following companies offer the least expensive options for adding a teen to the family policy:

  • Nationwide: $1,956 per year for males and $1,716 per year for female teens
  • State Farm: $2,360 per year for males and $1,952 per year for female teens

Allstate offers the most expensive teen family insurance plans in Pearland, with annual rates of $6,635 (females) and $7,808 (males). Insurers consider male teens riskier to cover and charge them higher rates. However, this gap lessens by the time a policyholder reaches early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,716Individual Plan Monthly Premium$7,142
State FarmFamily Plan Annual Premium$1,952Individual Plan Monthly Premium$9,091
GEICOFamily Plan Annual Premium$2,705Individual Plan Monthly Premium$8,838
ProgressiveFamily Plan Annual Premium$4,193Individual Plan Monthly Premium$19,704
ForemostFamily Plan Annual Premium$4,259Individual Plan Monthly Premium$18,130
AllstateFamily Plan Annual Premium$6,635Individual Plan Monthly Premium$12,448

Teenagers who purchase their own car insurance will pay significantly more than those who are covered by the family plan. For example, purchasing an individual teen policy in Pearland costs $3,267 more than adding the teen to a family policy. Families can save thousands each year by shopping around for the cheapest car insurance for teenagers.

Cheapest Car Insurance in Pearland for Military Drivers

MoneyGeek compared the cheapest car insurance providers for military-affiliated policyholders like current service members, veterans and their families. The following companies are the most affordable:

  • State Farm: $756 per year
  • Texas Farm Bureau: $776 per year

USAA is also a great option, with an annual premium of $961. The company specifically caters to customers with a background in the military. For minimum coverage, Texas Farm Bureau becomes the cheapest at $359 per year, and State Farm is second at $380 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$756Monthly Premium$63
Texas Farm BureauAnnual Premium$776Monthly Premium$65
AllstateAnnual Premium$926Monthly Premium$77
USAAAnnual Premium$961Monthly Premium$80
MercuryAnnual Premium$1,058Monthly Premium$88
AAA TexasAnnual Premium$1,093Monthly Premium$91
GEICOAnnual Premium$1,118Monthly Premium$93
NationwideAnnual Premium$1,165Monthly Premium$97

How to Compare Cheap Pearland Car Insurance Quotes Online

You can spend 15 minutes or more providing personal information to get a quote from just one auto insurance provider in Pearland. MoneyGeek's online car insurance calculator can provide quick quotes from multiple providers. You just need to enter your age, driving record, vehicle type and the desired coverage amount.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 13, 2024

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Best Car Insurance in Pearland: Summary

The best insurer for you will depend on how important factors like price, customer service and coverage are. To give you a better sense of the landscape, we've compiled a list of the best car insurers in Pearland for various categories.

  • Best overall: Texas Farm Bureau (MoneyGeek score of 80 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: Texas Farm Bureau (MoneyGeek score of 81 out of 100)

The MoneyGeek score for a company can vary depending on how we weigh criteria for a category. Texas Farm Bureau is also the best car insurance provider in the Lone Star State. Also, USAA (MoneyGeek score of 81/100) offers great car insurance to members of the military.

Best Overall Car Insurance in Pearland

Based on MoneyGeek’s analysis, the following are the best car insurance companies in Pearland:

  • Texas Farm Bureau: MoneyGeek score of 80 out of 100 ($776 per year)
  • State Farm: MoneyGeek score of 76 out of 100 ($756 per year)

Texas Farm Bureau offers high-quality services at affordable rates, as evidenced by its high affordability and customer satisfaction scores. With this car insurance company, clients don’t have to choose between reasonable rates and excellent service.

USAA has an impressive MoneyGeek score of 81 out of 100, making it one of the best options for service members and veterans looking for auto insurance in Pearland.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

checkmark

Excellent affordability score and customer satisfaction ratings

checkmark

Offers roadside assistance coverage and rental coverage

cons

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Poor claims management score

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Doesn’t offer gap insurance or accident forgiveness

COMPANY HIGHLIGHTS

Texas Farm Bureau sets itself apart from competitors, thanks to a winning combination of low prices and high service standards. However, it does not offer many add-on coverages.

The company does offer some of the essentials like roadside assistance. Texas Farm Bureau’s 24-hour dispatch service can help you in a non-collision emergency, such as if you get a flat tire, your car won’t start or your car breaks down due to a mechanical or electrical system failure. In addition, the company’s rental reimbursement coverage can help pay for a rental car while your vehicle is being fixed due to a covered loss.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in Pearland for Customer Service

The following companies offer the best customer service when price is not a factor:

  • Chubb: MoneyGeek score of 76 out of 100 ($2,341 per year)
  • Foremost: MoneyGeek score of 67 out of 100 ($1,526 per year)

In particular, Chubb is well-known for its efficient claims processing and great customer service. It's one of the city's most costly insurers, so policyholders pay extra for excellent service.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Excellent customer satisfaction rating and claims processing score

checkmark

Offers rare coverages like original equipment manufacturer (OEM) coverage and antique car insurance

cons

close

Relatively thin selection of coverages

close

No roadside assistance or new car replacement insurance

COMPANY HIGHLIGHTS

Despite offering relatively few coverages, Chubb does have a few unique add-ons. If your car is destroyed or stolen, for instance, diminished value coverage will reimburse you for the agreed-upon value of your vehicle.

Another rare benefit is Chubb's OEM coverage, which will pay for factory-made replacement parts to repair your vehicle after a covered incident. Chubb also offers vintage/classic car insurance for vehicles that are at least 30 years old, special editions or part of a larger collection.

In addition, the company offers rental car reimbursement, which pays for a rental while your vehicle is in the shop after a covered incident.

Best Cheap Car Insurance in Pearland

We compared rates and customer satisfaction for policies that provide the minimum coverage mandated by Texas law. The following offer the best budget-friendly options for car insurance in Pearland:

  • Texas Farm Bureau: MoneyGeek score of 81 out of 100 ($359 per year)
  • State Farm: MoneyGeek score of 77 out of 100 ($380 per year)

Minimum coverage policies cost the least but do not offer enough liability protection and do not cover damages to your car.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

checkmark

One of the cheapest in Pearland at $359 per year

checkmark

Has bundling and driver’s education discounts

checkmark

Perfect affordability score with excellent customer satisfaction rating

cons

close

No discount for paying in full or installing airbags

close

Low claims management rating

COMPANY HIGHLIGHTS

A high client satisfaction rating indicates that Texas Farm Bureau provides excellent service. It also offers discounts that make its already affordable policies even more so, making it a top choice for those looking for cheap insurance in Pearland, Texas.

Premium discounts are available for customers who bundle auto insurance with other eligible Texas Farm Bureau insurance products, such as home and renters policies. The same holds true if you insure multiple vehicles, have not filed any claims in a long time or have a high school or college student on your policy who maintains a 3.0 GPA.

In addition, if you're under 25 and have finished a certified driver's education program, you can save money on your insurance. Texas Farm Bureau will also give you a discount if you install anti-theft equipment.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Average Cost of Car Insurance in Pearland

As of October 2022, Pearland residents pay an annual average rate of $1,298 for auto insurance. This is $33 more than the national average of $1,265 and $97 more than the $1,201 average annual car insurance premium in Texas. Location is just one of many factors that influence the cost of car insurance.

The premiums quoted above are for liability limits of $100,000 for property damage and $100,000 for bodily injury per individual, up to a $300,000 total per accident.

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.