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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 17, 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.

Monthly Pasadena, TX Car Insurance Rates by ZIP Code

Find more info about the monthly Pasadena, TX auto insurance rates by ZIP Code below:

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Pasadena, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Pasadena, TX against other top US metro areas’ auto insurance rates.

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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 cheapest Pasadena, TX car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Texas car insurance company rates?” We cover that as well.

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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.

Pasadena, Texas car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Pasadena, TX car insurance rates. Find the cheapest Pasadena, Texas car insurance rates by coverage level below:

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Your credit score will play a major role in your Pasadena, TX car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Pasadena, Texas car insurance rates by credit score below.

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Your driving record will affect your Pasadena car insurance rates. For example, a Pasadena, Texas DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Pasadena, Texas car insurance rates by driving record.

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Factors affecting car insurance rates in Pasadena, TX may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Pasadena, Texas car insurance.

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These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Pasadena. TX does use gender, so check out the average monthly car insurance rates by age and gender in Pasadena, TX.

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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.

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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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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Pasadena, TX Car Insurance Rates by ZIP Code
Pasadena, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
Pasadena, TX Car Insurance Rates by Company vs. City Average
Pasadena, TX Car Insurance Rates by Company and Age
The Cheapest Pasadena, TX Car Insurance Rates by Coverage Level
The Cheapest Pasadena, TX Car Insurance Rates by Credit Score
The Cheapest Pasadena, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Pasadena, TX
Average Monthly Car Insurance Rates by Age & Gender in Pasadena, TX
Monthly Pasadena, TX Car Insurance Rates by ZIP Code
Pasadena, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
Pasadena, TX Car Insurance Rates by Company vs. City Average
Pasadena, TX Car Insurance Rates by Company and Age
The Cheapest Pasadena, TX Car Insurance Rates by Coverage Level
The Cheapest Pasadena, TX Car Insurance Rates by Credit Score
The Cheapest Pasadena, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Pasadena, TX
Average Monthly Car Insurance Rates by Age & Gender in Pasadena, TX