Compare Pasadena, TX Car Insurance Rates (2021)

The cheapest Pasadena, TX car insurance is offered by State Farm, although rates will be different for each driver. Auto insurance in Pasadena must meet the state minimum liability requirements of 30/60/25, but drivers should consider raising these limits and adding additional coverage. Compare online rates to find the cheapest Pasadena, TX auto insurance.

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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 22, 2021

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Here's what you need to know...

  • State Farm offers the cheapest car insurance to all drivers in Pasadena, TX
  • Pasadena is part of the larger Houston, TX metropolitan area
  • Pasadena, TX car insurance is higher than the state average

Pasadena, TX car insurance is higher than the Texas car insurance average, but it’s still close to the national average.

To find the most affordable Pasadena, TX car insurance, shop around and compare multiple companies. Each company will charge different rates so comparison shopping is a must.

To find the best rates and compare free Pasadena, TX car insurance quotes, enter your ZIP code now.

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

Although USAA offers on average the cheapest car insurance in Pasadena, it only offers coverage to the military, veterans, and their families. State Farm offers the cheapest car insurance to all drivers in Pasadena.

The top Pasadena, TX car insurance companies listed from cheapest to most expensive are:

  • USAA – $2,703.96
  • State Farm – $3,273.83
  • GEICO – $3,719.94
  • Nationwide – $4,282.92
  • Progressive – $5,055.87
  • Allstate – $6,037.52
  • American Family – $6,098.85

Your car insurance rates are affected by many different factors, including your age, gender, driving record, ZIP code, and credit history. Each company will charge different rates based on those factors, so shopping around is a must.

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What car insurance coverage is required in Pasadena, TX?

Most states require at least a minimum amount of car insurance coverage. Drivers in Pasadena must carry at least:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

You can see that this is not a lot of coverage, especially in a serious accident. Consider increasing your limits and adding additional coverages so that any damages to your vehicle and bodily injuries are covered.

Collision insurance will cover any damages to your car, and personal injury protection covers your bodily injuries if you cause an accident.

Comprehensive covers damages to your car that aren’t the result of an accident, such as theft, vandalism, and acts of nature. This is especially helpful considering TX weather like hurricanes can damage your car.

Adding these coverages to your car insurance policy will ensure you are covered for damages.

What affects car insurance rates in Pasadena, TX?

Traffic can have a large impact on your auto insurance rates because more cars mean a higher chance of being in an accident.

INRIX doesn’t have data for Pasadena, but it does list nearby Houston as the eighth most congested city in the U.S. This contributes to the high Houston car insurance rates.

In fact, City-Data reports that most Pasadena drivers spend around 20 minutes commuting, but a significant number of drivers in Pasadena commute an hour or more.

Theft can also raise your car insurance rates. According to the FBI, there were 379 motor vehicle thefts in one year in Pasadena.

Pasadena, TX Car Insurance: The Bottom Line

Pasadena car insurance is expensive, but you can still find cheap coverage. Before you buy Pasadena, TX car insurance, shop around and compare quotes from multiple companies.

Enter your ZIP code now to compare Pasadena, TX car insurance rates for free today.

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