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How much is car insurance in Pasadena?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Pasadena are about $10 a month more expensive than the rest of Texas.
If you're thinking of moving to Pasadena from out of state, you may still be in luck. The average monthly payment for the U.S. as a whole is about $6 more expensive than in Pasadena.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't worry, we've done the work for you and broken down the average rates for Pasadena to help you understand what your monthly premium might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may start to rise again in Pasadena.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Pasadena, the difference comes out to about $8 a month. As illustrated in the table above, female drivers in the area pay about $71 on average, while male drivers pay around $79 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Pasadena, drivers with one accident on their record will experience rates around $93 a month. In addition, drivers with a single ticket on their record can expect to pay around $95 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$85|
|15 Years or Older||$70|
The most affordable vehicles to insure in Pasadena are typically trucks and vans, which run about $69 per month.
SUV drivers will see rates of about $75 to insure their car, while car owners by and large pay around $78 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Pasadena are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$83|
On average, 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.
According to the table above, the difference in rates based on relationship status in Pasadena can be as much as $20 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$111|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $14 a month more than those who own their own home in Pasadena. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Pasadena, TX
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.
In Pasadena, the rates for auto insurance went up from 2017-2018, before leveling out in 2019. Car insurance rates began increasing again in 2020, and finished down in 2022, at $88 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 a monthly rate, car insurance companies will consider a number of factors. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Off-street parking availability
- Community regulations
- Number of drivers
- Road Safety (frequency of local car accidents)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
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.
Don't worry, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing auto coverage in Pasadena.
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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 driving record, credit score, marital status, and address.
Why is the cost of car insurance in Pasadena different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
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 major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Pasadena or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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