Cheapest and Best Car Insurance Companies in Pearland, TX

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.