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.
Cheapest and Best Car Insurance in Pearland, TX








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.
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.
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.
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.
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.
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.
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.
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See how the Average Annual Auto Insurance Rates vary with the options chosen.
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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?

pros
Excellent affordability score and customer satisfaction ratings
Offers roadside assistance coverage and rental coverage
cons
Poor claims management score
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.
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?

pros
Excellent customer satisfaction rating and claims processing score
Offers rare coverages like original equipment manufacturer (OEM) coverage and antique car insurance
cons
Relatively thin selection of coverages
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?

pros
One of the cheapest in Pearland at $359 per year
Has bundling and driver’s education discounts
Perfect affordability score with excellent customer satisfaction rating
cons
No discount for paying in full or installing airbags
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.
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
