Table of contents
How much is car insurance in Pasadena?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Pasadena are about $6 a month more expensive than the rest of Texas.
On the flip side, when compared to the national average, the cost for auto insurance in Pasadena is lower. Auto insurance coverage in Pasadena is about $10 cheaper than it is for the rest of the United States.
While these are the average monthly costs for auto insurance coverage in Pasadena, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
But worry not, we've done the heavy lifting and broken down the average rate for Pasadena to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates creep back up in Pasadena.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This rings true in Pasadena, where women pay around $5 less per month than men. As you can see in the table above, male drivers in the area typically pay $72 on average, while female drivers typically pay $67 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Pasadena with a single accident will pay around $90 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $114.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$71|
|15 Years or Older||$65|
The cheapest vehicles to insure in Pasadena are usually trucks and vans, with each type typically costing about $68 per month.
Cars and SUV, on the other hand, usually cost about $70 to insure their vehicle.
The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Pasadena are vehicles four-to-five years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
More often than not, those who are currently married will pay slightly less for auto insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Pasadena is about $13 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$111|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $10 a month more than if you own your own home in Pasadena. Those who live with their parents, however, can expect to pay a lot 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, TX
Recent trends in car insurance for Pasadena drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Pasadena, the rates for car insurance dropped from 2016-2018, before steadying out in 2019. Insurance rates went up again recently, hitting a high of $92 in 2021.
How does Pasadena compare to neighboring areas?
Why are car insurance rates in Pasadena different from other areas?
There are several factors car insurance companies will consider when figuring out how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Road Safety (how many accidents each locality has)
- Local laws
- Number of drivers in the region
- Off-street parking accessibility
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Pasadena?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer 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 gender and age, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Pasadena different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Pasadena?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Pasadena or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?