Compare Pasadena, CA Car Insurance Rates (2021)

The cheapest Pasadena, CA car insurance is from GEICO, but rates will vary for each driver. However, low-income drivers in Pasadena may qualify for the California Low-Cost Auto (CLCA) program if they meet certain criteria. Pasadena, CA auto insurance must meet the state minimums of 15/30/5 in liability coverage, although drivers are encouraged to carry additional coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Mar 19, 2021

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Here's what you need to know...

  • GEICO offers the lowest average car insurance rates to all drivers in Pasadena, CA
  • Pasadena is part of the larger Los Angeles area and shares a high volume of traffic
  • California Low-Cost Auto (CLCA) program is available for low-income drivers who meet certain requirements.

Pasadena, CA car insurance is more expensive than average, That’s not surprising since California car insurance rates, in general, are higher than the national average.

The good news is that you can still find affordable Pasadena, CA car insurance by shopping around. Compare rates from several companies to find who can offer you cheap car insurance.

Enter your ZIP code now to compare Pasadena, CA car insurance quotes from multiple companies near you for free.

What is the cheapest car insurance company in Pasadena, CA?

Although USAA actually has the lowest average car insurance rates in Pasadena, it only offers coverage to the military, veterans, and their families. The company that offers the lowest average rates to all drivers in the city is GEICO.

The top Pasadena, CA car insurance companies listed from least to most expensive are:

  • USAA – $3,158.35
  • GEICO – $3,201.01
  • Progressive – $3,404.29
  • Liberty Mutual – $3,504.91
  • Travelers – $3,978.26
  • State Farm – $4,809.28
  • Allstate – $5,339.93
  • Nationwide – $5,356.52
  • Farmers – $6,017.82

Your car insurance rates are affected by many different factors, such as your age and driving record. Although many companies will also use gender to determine your rates, California is one of the few states that doesn’t allow it.

Where you live and the size of your city affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, Los Angeles car insurance is more expensive than coverage in Pasadena, even though the cities are near each other.

California does also offer low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain income requirements.

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What car insurance coverage is required in Pasadena, CA?

Almost every state requires at least a minimum amount of auto insurance for drivers to drive legally. California is no exception.

The minimum auto insurance requirements in California for Pasadena drivers are:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered. Drivers should consider raising these limits and carrying additional coverages.

Consider adding additional coverages such as collision and comprehensive. Collision insurance helps pay for damages from an accident that you caused. Comprehensive insurance covers damages not resulting from an accident, such as damages from Pasadena, CA weather like hail or falling debris.

What affects car insurance rates in Pasadena, CA?

Traffic can also affect your auto insurance rates because more cars on the road equal a higher chance of an accident.

Although INRIX doesn’t have data for Pasadena, it does rank nearby Los Angeles, CA as the fifth most congested city in the U.S. and the 37th most congested city in the world.

In fact, City-Data reports that most drivers in Pasadena, CA commute around 35 minutes, and a large number of drivers commute an hour or more.

Car theft can also raise your insurance rates. According to the FBI, there were 359 motor vehicle thefts in Pasadena in one year.

Pasadena, CA Car Insurance: The Bottom Line

Pasadena car insurance is more expensive than the state and national averages, although there is some help available for low-income drivers.

Before you buy Pasadena, CA car insurance, shop around and compare quotes from multiple companies to find the best deal.

Enter your ZIP code now to compare Pasadena, CA car insurance rates from companies near you.

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