Table of contents
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 $8 a month more expensive to insure your vehicle in Pasadena than it is in the rest of California.
Drivers relocating from out of state may enjoy some cost savings in Pasadena. The average monthly payment in Pasadena is about $16 less than the rate for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Pasadena, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for Pasadena 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|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $44 more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may rise again in Pasadena.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. While female drivers pay a little bit less than male drivers on their monthly auto coverage, the difference in Pasadena is only about $3 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay much less than those with multiple infractions. Drivers in Pasadena with a single accident will pay around $80 a month. Likewise, drivers with one ticket will be looking at a rate of around $81 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$70|
|15 Years or Older||$65|
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 for auto insurance coverage.
SUV drivers will see rates of about $61, while the rates for car owners average out to about $65 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Pasadena, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
On average, people who are married will pay slightly less for car insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Pasadena is no exception, with the difference totaling to around $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
Your living situation is another factor that affects your monthly rate. Homeowners in Pasadena can expect to pay around $12 a month less than those who rent. 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 car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
The rates for auto insurance in Pasadena rose from 2016-2017, when they reached a high of $86. This trend leveled out in 2018, when they began to decrease, and have continued on that path through the present, when car insurance rates hit a low of $54 a month.
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 coverage, car insurance companies will review numerous factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Total number of drivers in the community
- Crime rates
- Community laws
- Frequency of car accidents
- Availability of off-street parking
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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Pasadena?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Pasadena.
Pasadena Insurance FAQs
What factors affect car insurance quotes in Pasadena?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Pasadena different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Pasadena?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Pasadena or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?