Cheapest and Best Car Insurance in Pearland, TX (August 2024)


fact checked icon

Updated: October 3, 2024

Advertising & Editorial Disclosure

In Pearland, Texas, economical auto insurance choices vary by coverage and driver profiles. Texas Farm Bureau is the most affordable provider for full and minimum coverage car insurance. Nationwide is the cheapest option for families with teens. Chubb provides top-notch service and is the best overall for balancing cost and service. Choosing the best insurer depends on individual needs and coverage preferences.

MoneyGeek Logo IconBest & CheapestCar InsurancePearland
2024

Cheapest and Best Car Insurance in Pearland

Why Trust MoneyGeek? We analyzed 328,384 quotes in Texas from 14 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Pearland insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

recency icon

These rates reflect the cheapest car insurance quotes in Pearland, TX, as of August 2024.

328,384Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Coverage Car Insurance in Pearland

MoneyGeek found that Texas Farm Bureau is the cheapest option in Pearland for minimum coverage car insurance, offering remarkable savings for residents looking to insure their vehicle. These are the most affordable options:

  • Texas Farm Bureau: $359 per year
  • State Farm: $514 per year

Dairyland has the most expensive minimum coverage policy in Pearland, with an annual premium of $2,516 — $2,157 more than Texas Farm Bureau. This substantial price disparity highlights the importance of comparing quotes to secure the best car insurance rates.

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$514Monthly Premium$43
MercuryAnnual Premium$540Monthly Premium$45
National GeneralAnnual Premium$674Monthly Premium$56
ProgressiveAnnual Premium$724Monthly Premium$60
AAA TexasAnnual Premium$768Monthly Premium$64
ChubbAnnual Premium$864Monthly Premium$72
AllstateAnnual Premium$878Monthly Premium$73
GEICOAnnual Premium$986Monthly Premium$82
NationwideAnnual Premium$1,176Monthly Premium$98
ForemostAnnual Premium$1,465Monthly Premium$122
DairylandAnnual Premium$2,516Monthly Premium$210

State Minimum Liability Requirements

For drivers across Texas, state-mandated minimum car insurance coverage includes:

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

For example, if you're at fault in an accident and the other driver's injuries cost $35,000, your policy will cover up to $30,000 per person. This means you'll be responsible for the remaining $5,000. Similarly, if the total injuries for all persons are $65,000 and your policy only covers $60,000 per accident, you would pay $5,000 out of pocket. Remember, these limits are the baseline, and costs beyond that come from your wallet.

Cheapest Full Coverage Car Insurance in Pearland

MoneyGeek found that Texas Farm Bureau offers the cheapest full coverage car insurance in Pearland, providing significant savings for drivers looking for comprehensive protection.

  • Texas Farm Bureau: $776 per year
  • State Farm: $1,086 per year

Dairyland has the most expensive full coverage policy in Pearland at around $4,833 annually, a stark contrast to the Texas Farm Bureau's rate. The rate difference highlights the need to compare car insurance rates. Full coverage policies are pricier than minimum coverage because they include comprehensive and collision insurance, offering broader asset protection.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Texas Farm BureauAnnual Premium$776Monthly Premium$65
State FarmAnnual Premium$1,086Monthly Premium$91
ProgressiveAnnual Premium$1,448Monthly Premium$121
AAA TexasAnnual Premium$1,510Monthly Premium$126
National GeneralAnnual Premium$1,516Monthly Premium$126
AllstateAnnual Premium$1,654Monthly Premium$138
GEICOAnnual Premium$1,737Monthly Premium$145
ChubbAnnual Premium$1,827Monthly Premium$152
MercuryAnnual Premium$2,012Monthly Premium$168
NationwideAnnual Premium$2,190Monthly Premium$183
ForemostAnnual Premium$2,997Monthly Premium$250
DairylandAnnual Premium$4,833Monthly Premium$403

Do You Need Full Coverage in Texas?

Along with the higher liability limits, full coverage policies encompass comprehensive and collision coverage.

  • Collision Coverage: This ensures that your vehicle is financially protected if it's damaged by an impact with another vehicle or object, such as a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Coverage: This addresses non-collision-related damage to your automobile, such as that caused by theft, vandalism, fires, extreme weather conditions or being hit by an animal like a deer.

For owners of new vehicles, investing in a full coverage insurance plan is prudent to protect your monetary outlay. However, for older vehicles, the benefit of additional protection may not justify the expense of higher premiums. Assessing how much car insurance you need involves a careful comparison of increased coverage against the potential risk of being underinsured and the associated costs.

Cheapest Car Insurance in Pearland After a Driving Offense

MoneyGeek found that Texas Farm Bureau is the cheapest company for drivers with a poor driving record in Pearland. These are the cheapest rates for each incident:

  • Speeding Ticket: Texas Farm Bureau ($776 per year)
  • At-Fault Accident: Texas Farm Bureau ($1,278 per year)
  • DUI: Texas Farm Bureau ($1,524 per year)

Dairyland has the most expensive rates for all three offenses, at around $6,060 per year after a speeding ticket, $6,877 after an at-fault accident and $4,881 after a DUI. Notably, there's a marked difference in annual premiums based on the type of infraction, which shows how significantly the severity of a violation can influence car insurance rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Accident
Texas Farm BureauAnnual Premium$1,278Monthly Premium$106
State FarmAnnual Premium$1,348Monthly Premium$112
AAA TexasAnnual Premium$2,167Monthly Premium$181
National GeneralAnnual Premium$2,399Monthly Premium$200
ProgressiveAnnual Premium$2,435Monthly Premium$203
GEICOAnnual Premium$2,470Monthly Premium$206
AllstateAnnual Premium$2,706Monthly Premium$225
ChubbAnnual Premium$2,849Monthly Premium$237
NationwideAnnual Premium$3,284Monthly Premium$274
MercuryAnnual Premium$4,047Monthly Premium$337
ForemostAnnual Premium$6,825Monthly Premium$569
DairylandAnnual Premium$6,877Monthly Premium$573

Insurance premiums in Pearland and other cities tend to escalate with the severity of driving infractions due to the increased risk perceived by insurers. For example, drivers in Pearland with a DUI offense may face an annual insurance rate of approximately $3,955, while those caught speeding might see a rate of around $3,209. This notable difference highlights the importance for drivers with offenses to diligently compare insurance rates, as finding the most favorable terms can lead to substantial savings.

Cheapest Car Insurance in Pearland for Teens and Their Families

MoneyGeek found that Nationwide offers the cheapest full coverage car insurance for male and female teens in Pearland. These companies have the cheapest car insurance for teens:

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

These rates are for a policy covering two parents and a teen driver. Allstate has the highest annual premium for female teen drivers at around $6,635, showcasing a stark difference of $4,919 compared to Nationwide. The substantial rate disparity reinforces the importance of comparing options, especially when adding high-risk drivers like teens to an insurance policy.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,716Individual Plan Monthly Premium$4,247
State FarmFamily Plan Annual Premium$1,952Individual Plan Monthly Premium$2,741
GEICOFamily Plan Annual Premium$2,705Individual Plan Monthly Premium$3,744
ProgressiveFamily Plan Annual Premium$4,193Individual Plan Monthly Premium$12,496
ForemostFamily Plan Annual Premium$4,259Individual Plan Monthly Premium$12,038
AllstateFamily Plan Annual Premium$6,635Individual Plan Monthly Premium$7,716

In Pearland, parents and guardians may find it economically advantageous to include their teenagers in a joint family car insurance plan rather than opting for an individual policy for the young driver. The average individual premium for a teenager in Pearland is a steep $8,025 per year, in sharp contrast to the significantly more affordable average family premium of $4,006. High rates for teens reflect the increased risk insurers attribute to young, inexperienced drivers. Obtaining approval for an individual teen policy can also be challenging due to their lack of driving history and being perceived as higher risk. It is strategically and financially sound for families to opt for a joint policy to secure the best possible rates.

Cheapest Car Insurance in Pearland for Military Drivers

MoneyGeek found that Texas Farm Bureau offers the cheapest car insurance for military backgrounds in Pearland. Here are the top two providers with the lowest annual premiums:

  • Texas Farm Bureau: $776 per year
  • State Farm: $1,086 per year

Even though USAA is not the cheapest option, ranking third with an average annual rate of $1,186, it offers dedicated service to meet the unique needs of active-duty military members. It is known for its competitive pricing, which makes it a valuable option for service members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Texas Farm BureauAnnual Premium$776Monthly Premium$65
State FarmAnnual Premium$1,086Monthly Premium$91
USAAAnnual Premium$1,186Monthly Premium$99
ProgressiveAnnual Premium$1,448Monthly Premium$121
AAA TexasAnnual Premium$1,510Monthly Premium$126
National GeneralAnnual Premium$1,516Monthly Premium$126
AllstateAnnual Premium$1,654Monthly Premium$138
GEICOAnnual Premium$1,737Monthly Premium$145
ChubbAnnual Premium$1,827Monthly Premium$152
MercuryAnnual Premium$2,012Monthly Premium$168
NationwideAnnual Premium$2,190Monthly Premium$183
ForemostAnnual Premium$2,997Monthly Premium$250
DairylandAnnual Premium$4,833Monthly Premium$403

How to Compare Cheap Pearland Car Insurance Quotes Online

Seeking optimal car insurance rates in Pearland can be daunting. Evaluating three or more providers often takes over an hour.

MoneyGeek's car insurance calculator streamlines this process. You can instantly receive tailored rate estimates by entering personal details such as age, driving record, credit score and desired coverage level. This tool concentrates on key variables influencing Pearland's car insurance costs, delivering immediate savings with minimal effort.

Car Insurance Calculator

MoneyGeek'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.

High
Average
Low

Rates updated:

Oct 04, 2024

Shield Insurance
Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

Best Car Insurance in Pearland: Overview

Choosing the right auto insurance is a balance of valuing service, cost, coverage and other factors. MoneyGeek’s comprehensive research scores insurance providers in Pearland differently across categories to help you find your best match.

  • Best overall: Chubb (MoneyGeek score 91 out of 100)
  • Best for service: Chubb (MoneyGeek score 92 out of 100)
  • Best cheap: Chubb (MoneyGeek score 90 out of 100)

Chubb is the leading car insurance provider in Pearland, excelling in overall value, top-tier service and affordability. If you prioritize a blend of service quality and cost-effectiveness, Chubb's best overall ranking indicates its strong performance in both areas. Those seeking the highest standard of customer care will find Chubb's service-oriented focus aligns with their preferences, as evidenced by its leading service score. For consumers where budget is the main concern, Chubb's position as the best cheap option suggests competitive pricing without compromising on service.

Overall Best Car Insurance in Pearland

MoneyGeek found that Chubb offers the best option for car insurance in Pearland. When it comes to finding the best car insurance, these providers stand out:

  • Chubb: MoneyGeek score of 91 out of 100 ($1,827 per year)
  • State Farm: MoneyGeek score of 74 out of 100 ($1,086 per year)

Chubb distinguishes itself with a remarkable MoneyGeek score, excelling in customer satisfaction and claims. These are significant factors for a full coverage policy.

Company logo for Chubb
Best OverallChubb
MoneyGeek Score:
91/ of 100

Overview

Chubb's high MoneyGeek score is bolstered by strong satisfaction and claims handling. It is a solid choice for those who value excellent service. Although Chubb lacks roadside assistance, it does provide rental car and/or travel reimbursement. It also offers original equipment manufacturer (OEM) coverage, which is invaluable for maintaining vehicle integrity with original factory parts after an accident.

Chubb also offers optional agreed value coverage, which ensures drivers receive a pre-set amount, not just the market value, in case of a total loss. Chubb's offerings and high ratings solidify its position as a top-tier insurance provider.

Best Car Insurance in Pearland for Customer Service

MoneyGeek found that Chubb is the best car insurance provider in terms of customer service in Pearland. This ranking does not consider cost and is based solely on general customer satisfaction, claims handling and the variety of coverages offered.

  • Chubb: MoneyGeek score of 92 out of 100 ($1,827 per year)
  • Foremost: MoneyGeek score of 77 out of 100 ($2,997 per year)

Chubb stands out thanks to its high customer satisfaction and claims handling scores. These factors are the biggest contributors to its overall MoneyGeek score, highlighting its commitment to delivering exceptional service and reliable coverage to policyholders.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
92/ of 100

Overview

Chubb leads with exceptional claims and financial stability scores, contributing significantly to its impressive MoneyGeek score. Although it lacks roadside assistance, it does offer rental car and/or travel reimbursement. Even without some popular coverages, Chubb remains a great option, given its high score.

Chubb's coverages cater to various needs. It offers original equipment manufacturer (OEM) coverage, which is particularly valuable for owners who prioritize maintaining their vehicle with factory-original parts after an accident. The company also presents a unique option for collectors with antique/class car insurance, providing specialized protection for vintage and collectible vehicles. Customers benefit from clarity and assurance with Chubb's agreed value coverage, where the settlement amount is determined at the policy's outset. These offerings underscore Chubb's strong satisfaction, claims and stability scores, collectively reinforcing its top-tier status in the insurance market.

Best Cheap Car Insurance in Pearland

MoneyGeek found that Chubb is the best option in Pearland for drivers seeking cheap car insurance without compromising on quality. This recognition comes with a MoneyGeek score that factors in affordability, claims handling and customer satisfaction.

  • Chubb: MoneyGeek score of 90 out of 100 ($864 per year)
  • Mercury: MoneyGeek score of 77 out of 100 ($540 per year)

Chubb stands out for its competitive premiums and exceptional customer satisfaction and claims scores. The top MoneyGeek score emphasized Chubb's excellent value for those seeking a minimum coverage policy.

Company logo for Chubb
Best Cheap CompanyChubb
MoneyGeek Score:
90/ of 100

Overview

Chubb's top MoneyGeek score reflects its excellence in claims and satisfaction. With an average annual premium of just $864, Chubb clients pay a modest amount for minimum coverage. Notably, Chubb offers discounts for defensive driving, anti-theft devices, owning a vehicle with VIN etching and daytime running lights.

Chubb offers the common bundling discount. The company also provides extra savings for those with vehicles with anti-lock brakes, which enhance safety and reduce the likelihood of accidents. Its discount for cars equipped with daytime running lights acknowledges the safety benefits of increased vehicle visibility. Chubb's top scores in affordability, satisfaction and claims make it an attractive choice for consumers who value a balanced blend of cost-efficiency, customer satisfaction and comprehensive claims handling.

Average Cost of Car Insurance in Pearland

Drivers in Pearland, Texas, face an average car insurance cost of $1,967 per year. When compared to the average car insurance cost in Texas, around $1,782, Pearland's premium is higher by $185. Texas' average cost is only higher by $1 than the national average car insurance cost of $1,781.

Various factors influence car insurance premiums, with location being one of the most significant. Urban areas with dense traffic tend to have higher rates due to increased risks of accidents and theft. In Texas, Houston has the most expensive city premium at around $2,177 per year, while Wichita Falls has the cheapest premium at around $1,414. This variance of $763 illustrates the impact of location on insurance costs. Areas with lower traffic density, usually non-city regions, may have even more favorable rates.

AbileneAnnual Premium$1,484
AllenAnnual Premium$1,750
AmarilloAnnual Premium$1,790
ArlingtonAnnual Premium$1,740
AustinAnnual Premium$1,727
BeaumontAnnual Premium$1,851
BrownsvilleAnnual Premium$1,845
CarrolltonAnnual Premium$1,882
College StationAnnual Premium$1,537
Corpus ChristiAnnual Premium$1,664
DallasAnnual Premium$1,966
DentonAnnual Premium$1,669
El PasoAnnual Premium$1,603
Fort WorthAnnual Premium$1,728
FriscoAnnual Premium$1,751
GarlandAnnual Premium$1,971
Grand PrairieAnnual Premium$1,922
HoustonAnnual Premium$2,177
IrvingAnnual Premium$1,890
KilleenAnnual Premium$1,551
LaredoAnnual Premium$1,816
League CityAnnual Premium$1,835
LewisvilleAnnual Premium$1,700
LubbockAnnual Premium$1,598
McAllenAnnual Premium$1,996
McKinneyAnnual Premium$1,745
MesquiteAnnual Premium$1,960
MidlandAnnual Premium$1,532
OdessaAnnual Premium$1,658
PasadenaAnnual Premium$1,906
PearlandAnnual Premium$1,967
PlanoAnnual Premium$1,819
RichardsonAnnual Premium$1,884
Round RockAnnual Premium$1,620
San AngeloAnnual Premium$1,458
San AntonioAnnual Premium$1,791
Sugar LandAnnual Premium$1,868
The WoodlandsAnnual Premium$1,877
TylerAnnual Premium$1,635
WacoAnnual Premium$1,519
Wichita FallsAnnual Premium$1,414

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.