Compare Rates and Save on Auto Insurance

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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.

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2023

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.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$312

$26

State Farm

$353

$29

Texas Farm Bureau

$359

$30

State Farm

$380

$32

Allstate

$432

$36

Allstate

$444

$37

Texas Farm Bureau

$459

$38

State Farm

$464

$39

Mercury

$490

$41

Mercury

$535

$45

Allstate

$541

$45

AAA Texas

$553

$46

Nationwide

$571

$48

AAA Texas

$581

$48

Nationwide

$599

$50

Mercury

$640

$53

GEICO

$640

$53

Texas Farm Bureau

$643

$54

Chubb

$658

$55

GEICO

$673

$56

Progressive

$685

$57

State Farm

$689

$57

Progressive

$701

$58

National General

$708

$59

AAA Texas

$710

$59

Chubb

$722

$60

National General

$731

$61

GEICO

$737

$61

State Farm

$756

$63

Texas Farm Bureau

$776

$65

Nationwide

$808

$67

Progressive

$831

$69

Allstate

$854

$71

Foremost

$870

$73

National General

$900

$75

Allstate

$926

$77

Nationwide

$949

$79

Texas Farm Bureau

$953

$79

State Farm

$972

$81

Foremost

$1,024

$85

Mercury

$1,058

$88

AAA Texas

$1,089

$91

AAA Texas

$1,093

$91

GEICO

$1,109

$92

GEICO

$1,118

$93

Mercury

$1,121

$93

Nationwide

$1,165

$97

Foremost

$1,199

$100

Allstate

$1,241

$103

Chubb

$1,268

$106

GEICO

$1,314

$110

Dairyland

$1,321

$110

Chubb

$1,329

$111

Dairyland

$1,370

$114

Nationwide

$1,413

$118

AAA Texas

$1,425

$119

Mercury

$1,453

$121

Chubb

$1,526

$127

National General

$1,552

$129

Dairyland

$1,621

$135

Progressive

$1,631

$136

National General

$1,692

$141

Progressive

$1,692

$141

Foremost

$1,783

$149

National General

$1,918

$160

Foremost

$1,936

$161

Progressive

$2,121

$177

Dairyland

$2,123

$177

Dairyland

$2,341

$195

Chubb

$2,391

$199

Foremost

$2,410

$201

Dairyland

$2,864

$239

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.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$312

$26

State Farm

$353

$29

Texas Farm Bureau

$359

$30

State Farm

$380

$32

Allstate

$432

$36

Allstate

$444

$37

Texas Farm Bureau

$459

$38

State Farm

$464

$39

Mercury

$490

$41

Mercury

$535

$45

Allstate

$541

$45

AAA Texas

$553

$46

Nationwide

$571

$48

AAA Texas

$581

$48

Nationwide

$599

$50

Mercury

$640

$53

GEICO

$640

$53

Texas Farm Bureau

$643

$54

Chubb

$658

$55

GEICO

$673

$56

Progressive

$685

$57

State Farm

$689

$57

Progressive

$701

$58

National General

$708

$59

AAA Texas

$710

$59

Chubb

$722

$60

National General

$731

$61

GEICO

$737

$61

State Farm

$756

$63

Texas Farm Bureau

$776

$65

Nationwide

$808

$67

Progressive

$831

$69

Allstate

$854

$71

Foremost

$870

$73

National General

$900

$75

Allstate

$926

$77

Nationwide

$949

$79

Texas Farm Bureau

$953

$79

State Farm

$972

$81

Foremost

$1,024

$85

Mercury

$1,058

$88

AAA Texas

$1,089

$91

AAA Texas

$1,093

$91

GEICO

$1,109

$92

GEICO

$1,118

$93

Mercury

$1,121

$93

Nationwide

$1,165

$97

Foremost

$1,199

$100

Allstate

$1,241

$103

Chubb

$1,268

$106

GEICO

$1,314

$110

Dairyland

$1,321

$110

Chubb

$1,329

$111

Dairyland

$1,370

$114

Nationwide

$1,413

$118

AAA Texas

$1,425

$119

Mercury

$1,453

$121

Chubb

$1,526

$127

National General

$1,552

$129

Dairyland

$1,621

$135

Progressive

$1,631

$136

National General

$1,692

$141

Progressive

$1,692

$141

Foremost

$1,783

$149

National General

$1,918

$160

Foremost

$1,936

$161

Progressive

$2,121

$177

Dairyland

$2,123

$177

Dairyland

$2,341

$195

Chubb

$2,391

$199

Foremost

$2,410

$201

Dairyland

$2,864

$239

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.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$312

$26

State Farm

$353

$29

Texas Farm Bureau

$359

$30

State Farm

$380

$32

Allstate

$432

$36

Allstate

$444

$37

State Farm

$455

$38

Texas Farm Bureau

$459

$38

State Farm

$464

$39

State Farm

$484

$40

Allstate

$541

$45

Texas Farm Bureau

$569

$47

State Farm

$578

$48

Texas Farm Bureau

$612

$51

Texas Farm Bureau

$643

$54

Nationwide

$676

$56

State Farm

$689

$57

Mercury

$691

$58

Nationwide

$704

$59

State Farm

$706

$59

Texas Farm Bureau

$708

$59

Mercury

$709

$59

Chubb

$711

$59

GEICO

$730

$61

State Farm

$735

$61

Allstate

$740

$62

AAA Texas

$743

$62

State Farm

$756

$63

Allstate

$759

$63

Progressive

$764

$64

GEICO

$771

$64

Texas Farm Bureau

$776

$65

Chubb

$781

$65

AAA Texas

$781

$65

Texas Farm Bureau

$784

$65

Allstate

$789

$66

GEICO

$803

$67

National General

$804

$67

Allstate

$811

$68

National General

$816

$68

Texas Farm Bureau

$819

$68

Progressive

$827

$69

State Farm

$828

$69

National General

$830

$69

Mercury

$833

$69

AAA Texas

$835

$70

Progressive

$837

$70

National General

$848

$71

Mercury

$850

$71

Allstate

$854

$71

State Farm

$867

$72

Mercury

$868

$72

AAA Texas

$876

$73

AAA Texas

$878

$73

GEICO

$890

$74

Mercury

$904

$75

Progressive

$906

$76

AAA Texas

$922

$77

Nationwide

$925

$77

Progressive

$926

$77

Allstate

$926

$77

Allstate

$927

$77

State Farm

$940

$78

Texas Farm Bureau

$953

$79

AAA Texas

$954

$80

Nationwide

$956

$80

GEICO

$965

$80

State Farm

$972

$81

Foremost

$980

$82

Chubb

$983

$82

GEICO

$985

$82

Allstate

$990

$83

Nationwide

$992

$83

Progressive

$1,001

$83

National General

$1,019

$85

National General

$1,022

$85

Foremost

$1,048

$87

Mercury

$1,052

$88

Texas Farm Bureau

$1,067

$89

AAA Texas

$1,073

$89

Chubb

$1,079

$90

Texas Farm Bureau

$1,110

$92

National General

$1,110

$92

Progressive

$1,115

$93

AAA Texas

$1,126

$94

GEICO

$1,154

$96

GEICO

$1,155

$96

National General

$1,161

$97

Foremost

$1,161

$97

State Farm

$1,178

$98

Nationwide

$1,189

$99

Nationwide

$1,195

$100

Nationwide

$1,225

$102

Progressive

$1,231

$103

Allstate

$1,241

$103

Mercury

$1,251

$104

Foremost

$1,251

$104

GEICO

$1,267

$106

Nationwide

$1,269

$106

Texas Farm Bureau

$1,273

$106

Texas Farm Bureau

$1,278

$106

Chubb

$1,285

$107

Progressive

$1,298

$108

GEICO

$1,305

$109

State Farm

$1,309

$109

Foremost

$1,314

$110

GEICO

$1,318

$110

National General

$1,329

$111

Dairyland

$1,340

$112

Nationwide

$1,362

$113

Chubb

$1,370

$114

Mercury

$1,371

$114

Foremost

$1,381

$115

State Farm

$1,382

$115

Dairyland

$1,389

$116

Allstate

$1,399

$117

Chubb

$1,412

$118

Nationwide

$1,429

$119

AAA Texas

$1,430

$119

AAA Texas

$1,434

$119

Chubb

$1,436

$120

Mercury

$1,460

$122

GEICO

$1,460

$122

Allstate

$1,477

$123

Allstate

$1,490

$124

Texas Farm Bureau

$1,524

$127

Mercury

$1,539

$128

Allstate

$1,568

$131

Texas Farm Bureau

$1,577

$131

GEICO

$1,589

$132

AAA Texas

$1,590

$133

AAA Texas

$1,592

$133

Nationwide

$1,610

$134

State Farm

$1,620

$135

Nationwide

$1,630

$136

GEICO

$1,640

$137

Dairyland

$1,644

$137

Chubb

$1,649

$137

AAA Texas

$1,661

$138

AAA Texas

$1,662

$138

Mercury

$1,676

$140

Nationwide

$1,746

$146

Dairyland

$1,769

$147

GEICO

$1,775

$148

National General

$1,806

$151

Mercury

$1,850

$154

Mercury

$1,870

$156

AAA Texas

$1,875

$156

Dairyland

$1,884

$157

Chubb

$1,896

$158

Progressive

$1,919

$160

Texas Farm Bureau

$1,921

$160

National General

$1,922

$160

Progressive

$1,949

$162

Mercury

$1,950

$163

Dairyland

$1,966

$164

Chubb

$1,986

$166

Allstate

$1,999

$167

GEICO

$2,015

$168

Dairyland

$2,016

$168

National General

$2,018

$168

Nationwide

$2,022

$169

National General

$2,034

$169

Foremost

$2,037

$170

AAA Texas

$2,084

$174

Progressive

$2,084

$174

GEICO

$2,093

$174

Allstate

$2,106

$176

GEICO

$2,121

$177

Progressive

$2,124

$177

Dairyland

$2,133

$178

Nationwide

$2,138

$178

Dairyland

$2,143

$179

National General

$2,174

$181

AAA Texas

$2,176

$181

Foremost

$2,177

$181

Mercury

$2,207

$184

Foremost

$2,217

$185

Foremost

$2,225

$185

Nationwide

$2,241

$187

Chubb

$2,283

$190

Dairyland

$2,329

$194

Dairyland

$2,361

$197

Progressive

$2,371

$198

Foremost

$2,394

$200

National General

$2,399

$200

Chubb

$2,482

$207

National General

$2,493

$208

Progressive

$2,537

$211

Chubb

$2,584

$215

Chubb

$2,602

$217

Foremost

$2,639

$220

Foremost

$2,671

$223

Nationwide

$2,672

$223

Progressive

$2,693

$224

National General

$2,699

$225

Mercury

$2,722

$227

Mercury

$2,739

$228

National General

$2,768

$231

Foremost

$2,790

$233

Progressive

$2,801

$233

Foremost

$2,812

$234

Dairyland

$2,887

$241

Dairyland

$2,894

$241

Dairyland

$2,957

$246

Chubb

$2,989

$249

Progressive

$3,191

$266

Dairyland

$3,262

$272

Dairyland

$3,275

$273

Dairyland

$3,499

$292

Chubb

$3,576

$298

Dairyland

$3,645

$304

Foremost

$4,219

$352

Chubb

$4,685

$390

Foremost

$4,960

$413

Foremost

$5,017

$418

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$694

$3,276

State Farm

$808

$3,817

State Farm

$829

$4,456

State Farm

$871

$4,112

Nationwide

$1,126

$2,569

Nationwide

$1,139

$2,764

State Farm

$1,159

$3,936

Nationwide

$1,190

$3,448

Nationwide

$1,261

$3,960

Nationwide

$1,267

$2,892

State Farm

$1,270

$4,718

Nationwide

$1,286

$3,228

State Farm

$1,302

$4,419

Nationwide

$1,336

$3,048

Nationwide

$1,346

$3,267

Nationwide

$1,358

$3,694

State Farm

$1,375

$5,451

Nationwide

$1,427

$3,464

State Farm

$1,432

$4,861

State Farm

$1,524

$6,507

State Farm

$1,551

$5,762

State Farm

$1,592

$6,000

Nationwide

$1,599

$5,619

Nationwide

$1,631

$6,606

Nationwide

$1,668

$4,835

Allstate

$1,684

$2,254

Nationwide

$1,716

$7,142

State Farm

$1,752

$7,388

Nationwide

$1,753

$7,097

Nationwide

$1,809

$7,188

Allstate

$1,813

$2,323

GEICO

$1,834

$3,459

GEICO

$1,853

$4,175

GEICO

$1,857

$3,333

Nationwide

$1,859

$8,361

Nationwide

$1,878

$5,899

GEICO

$1,879

$3,545

GEICO

$1,884

$3,380

State Farm

$1,894

$8,223

GEICO

$1,896

$4,172

State Farm

$1,908

$7,191

GEICO

$1,923

$3,810

State Farm

$1,947

$8,211

State Farm

$1,952

$9,091

Nationwide

$1,956

$9,045

GEICO

$1,962

$3,701

GEICO

$1,964

$3,821

GEICO

$1,987

$3,565

Nationwide

$1,998

$8,988

Allstate

$2,042

$2,733

Allstate

$2,075

$3,208

State Farm

$2,120

$9,235

GEICO

$2,177

$5,591

Allstate

$2,177

$2,914

GEICO

$2,195

$4,946

GEICO

$2,260

$5,694

GEICO

$2,295

$5,049

State Farm

$2,353

$10,250

State Farm

$2,360

$11,364

GEICO

$2,361

$6,689

Progressive

$2,377

$3,703

Allstate

$2,381

$3,051

Allstate

$2,433

$3,733

Allstate

$2,459

$3,639

GEICO

$2,460

$6,877

Progressive

$2,471

$6,067

Progressive

$2,473

$3,662

Allstate

$2,624

$3,362

GEICO

$2,633

$7,457

Progressive

$2,686

$6,568

GEICO

$2,705

$8,838

Foremost

$2,735

$4,533

GEICO

$2,786

$7,787

Foremost

$2,811

$3,900

Progressive

$2,820

$4,176

GEICO

$2,862

$9,341

Allstate

$2,875

$4,252

Progressive

$2,879

$4,485

Foremost

$2,947

$4,088

Progressive

$2,953

$8,236

Foremost

$2,959

$4,291

Progressive

$2,977

$5,257

Foremost

$2,986

$4,142

Foremost

$3,021

$5,160

Progressive

$3,022

$5,685

Progressive

$3,036

$7,456

Foremost

$3,053

$4,094

Progressive

$3,064

$4,537

Progressive

$3,185

$4,963

Allstate

$3,269

$5,891

Foremost

$3,282

$4,401

Foremost

$3,344

$4,852

Progressive

$3,344

$9,401

Allstate

$3,368

$4,984

Foremost

$3,422

$4,589

Progressive

$3,502

$8,565

Foremost

$3,609

$12,102

Foremost

$3,712

$12,264

Progressive

$3,752

$16,904

Foremost

$3,762

$12,615

Allstate

$3,857

$6,975

Foremost

$3,905

$12,904

Allstate

$3,980

$5,886

Foremost

$4,003

$7,882

Foremost

$4,042

$7,984

Progressive

$4,176

$18,971

Progressive

$4,193

$19,704

Foremost

$4,259

$18,130

Foremost

$4,431

$7,569

Foremost

$4,437

$18,809

Progressive

$4,453

$20,059

Foremost

$4,518

$7,489

Progressive

$4,613

$21,750

Progressive

$4,873

$22,137

Allstate

$5,004

$7,101

Allstate

$5,884

$8,363

Allstate

$6,127

$8,694

Allstate

$6,635

$12,448

Allstate

$7,204

$10,241

Allstate

$7,808

$14,695

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.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$312

$26

State Farm

$353

$29

Texas Farm Bureau

$359

$30

State Farm

$380

$32

Allstate

$432

$36

Allstate

$444

$37

USAA

$455

$38

Texas Farm Bureau

$459

$38

State Farm

$464

$39

USAA

$486

$41

Mercury

$490

$41

Mercury

$535

$45

Allstate

$541

$45

USAA

$548

$46

AAA Texas

$553

$46

Nationwide

$571

$48

AAA Texas

$581

$48

Nationwide

$599

$50

Mercury

$640

$53

GEICO

$640

$53

Texas Farm Bureau

$643

$54

Chubb

$658

$55

GEICO

$673

$56

Progressive

$685

$57

State Farm

$689

$57

Progressive

$701

$58

National General

$708

$59

AAA Texas

$710

$59

Chubb

$722

$60

National General

$731

$61

GEICO

$737

$61

State Farm

$756

$63

Texas Farm Bureau

$776

$65

Nationwide

$808

$67

Progressive

$831

$69

Allstate

$854

$71

Foremost

$870

$73

National General

$900

$75

Allstate

$926

$77

Nationwide

$949

$79

USAA

$951

$79

Texas Farm Bureau

$953

$79

USAA

$961

$80

State Farm

$972

$81

Foremost

$1,024

$85

Mercury

$1,058

$88

AAA Texas

$1,089

$91

AAA Texas

$1,093

$91

GEICO

$1,109

$92

GEICO

$1,118

$93

Mercury

$1,121

$93

Nationwide

$1,165

$97

USAA

$1,171

$98

Foremost

$1,199

$100

Allstate

$1,241

$103

Chubb

$1,268

$106

GEICO

$1,314

$110

Dairyland

$1,321

$110

Chubb

$1,329

$111

Dairyland

$1,370

$114

Nationwide

$1,413

$118

AAA Texas

$1,425

$119

Mercury

$1,453

$121

Chubb

$1,526

$127

National General

$1,552

$129

Dairyland

$1,621

$135

Progressive

$1,631

$136

National General

$1,692

$141

Progressive

$1,692

$141

Foremost

$1,783

$149

National General

$1,918

$160

Foremost

$1,936

$161

Progressive

$2,121

$177

Dairyland

$2,123

$177

Dairyland

$2,341

$195

Chubb

$2,391

$199

Foremost

$2,410

$201

Dairyland

$2,864

$239

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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Click an insurer below to visit their review page or continue to your personalized quote.

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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

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.

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

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?

Texas Farm Bureau

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.

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 is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.