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How much is car insurance in Pasadena?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $6 a month more expensive to insure your vehicle in Pasadena than it is in the rest of California.
Compared to the rest of the country, auto insurance in Pasadena is more affordable. You can expect to pay about $19 less for your policy in Pasadena than in the rest of U.S.
Keep in mind that these are the average auto insurance rates for Pasadena, and that the rate you get could end up being something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down the average rate for Pasadena residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement, your rates may begin to go back up in Pasadena.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Pasadena, however, male and female drivers both pay, on average, $62 for their monthly policy premium.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Pasadena, drivers with one accident on their record will experience rates around $77 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $74 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$63|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Pasadena, with drivers paying around $57 per month to insure their vehicle.
Car owners can expect to pay an average of around $63 a month for their policy, while SUVs usually cost around $60 a month to insure.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Pasadena, vehicles less than or equal to one-year-old and eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
On average, married policyholders will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Pasadena follows that pattern, with the difference totaling to around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $10 a month more than homeowners in Pasadena. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Pasadena, CA
Recent trends in car insurance for Pasadena drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
Auto insurance rates in Pasadena dropped steadily from 2017 through the present, where they reached $50 a month in 2022.
How does Pasadena compare to neighboring areas?
Why are car insurance rates in Pasadena different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Total number of drivers
- Area laws
- Crime rates
- Off-street parking accessibility
- Number of car accidents
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Pasadena?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But wait! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Pasadena.
Pasadena Insurance FAQs
What factors affect car insurance quotes in Pasadena?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Pasadena different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Pasadena?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Pasadena?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Pasadena or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.