Pasadena, TX Car Insurance

How do rates in Pasadena measure up compared to neighboring areas, including Texas as a whole? What can Pasadena residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Pasadena?

As you can see in the chart above, it is around $12 a month more expensive to insure your vehicle in Pasadena than it is in the rest of Texas.

Compared to the national average cost of auto insurance coverage, Pasadena has lower rates. It's about $3 cheaper to insure your vehicle in Pasadena compared to the average rate for the United States as a whole.

While these are the average monthly costs for auto insurance coverage in Pasadena, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

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 your policy will cost you. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Pasadena Car Insurance Rates by Age

Generally, the older you are, the more experienced you are on the roads. That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may climb back up a bit in Pasadena.

Pasadena Car Insurance Rates by Gender

Female drivers pay, on average, slightly less than their male counterparts. The difference in Pasadena is about $5 per month. As you can see in the table above, female drivers in the area typically pay $75 on average, while female drivers typically pay $80 each month.

Pasadena Auto Insurance Rates by Driving Record

Your driving record can have a tremendous 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 $96 a month. In addition, drivers with one ticket can expect to pay around $98 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Pasadena Insurance Rates by Vehicle

As you can see in the first table above, the cheapest vehicles to insure in Pasadena are typically trucks and vans, which run about $72 per month.

Car owners can expect to pay an average of around $78 a month for their policy, while SUVs usually cost around $81 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Pasadena are vehicles less than one year old.

Pasadena Car Insurance Rates by Relationship Status

Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

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 $21 a month.

Pasadena Car Insurance Rates by Housing Situation

One other element taken into consideration is your housing status. If you rent your home or apartment in Pasadena, expect to pay around $13 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Pasadena, TX

Recent trends in car insurance for Pasadena drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

In Pasadena, the rates for car insurance decreased from 2017-2018, where they hit a high of $75, before steadying out in 2019. Rates increased again in 2020, and finished down at $107 in 2022.

How does Pasadena compare to neighboring areas?

Why are car insurance rates in Pasadena different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you live. These factors include things like:

• Total number of drivers in the community
• Area crime rates
• General road safety (how many accidents each locality has)
• Local laws
• Availability of off-street parking

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Pasadena?

While knowing 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.

Fortunately, Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Pasadena.

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Pasadena Auto Insurance FAQs

What factors affect car insurance quotes in Pasadena?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Pasadena different from other neighboring cities?

Things like crime rates, parking situations, and local laws, 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?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using 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?