Pearland, TX Car Insurance

Residents of Pearland pay around $69 monthly for their car insurance coverage. To learn more about what you're likely to pay in the Pearland area, read our guide below.
Compared to their surrounding area, how do rates in Pearland stack up? What about against the rest of Texas? How much can residents of Pearland expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Pearland?

Area Average Monthly Car Insurance Premium
Pearland$69
TX$64
United States$80

Car insurance policies across the rest of Texas are about $5 a month cheaper than the rates drivers pay in Pearland.

On the flip side, when compared to the national average, the cost for auto insurance in Pearland is lower. You can expect to pay about $11 less for your policy in Pearland than in the rest of U.S.

Keep in mind that while these are the average car insurance rates for Pearland, it isn't guaranteed that it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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.

But don't worry, we've broken down the average rates for Pearland residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$108
25-34$61
35-44$55
45-54$52
55-64$48
65+$55

More time behind the wheel makes you a more experienced driver. When it comes to car insurance bills, that experience pays off. As you can see, 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. Pearland drivers may see their rates start to rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$72
Female$64

Car insurance rates for women are generally cheaper than they are for men. The difference in Pearland is about $8 a month. As you can see in the table above, male drivers in the area typically pay $72 on average, while female drivers typically pay $64 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$79
Multiple Accidents$113
1 Ticket$102
Multiple Tickets$82

One of the key factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Pearland with a single accident will pay around $79 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $102.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$59
2-3 Years$58
4-5 Years$64
6-7 Years$64
8-10 Years$72
11-14 Years$74
15 Years or Older$69

According to the first table above, the cheapest vehicles to insure in Pearland are typically SUVs, at $59 per month.

Car owners can expect to pay an average of around $71 a month for their policy, while truck and van drivers are usually around $67 to insure each month.

Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Pearland, vehicles 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)$76
Married$56
Divorced$55
Widowed$58

Generally, those who have settled down into marriage will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

At a national level, single drivers usually pay more than married couples do for auto insurance. Pearland follows that pattern, with the difference totaling to around $20 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$60
Rent$67
Live with parents$100

Your housing status is another factor that affects your monthly rate. If you rent your home or apartment in Pearland, expect to pay around $7 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.

Car Insurance Companies in Pearland, TX

Recent trends in car insurance for Pearland drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Car insurance rates in Pearland had been increasing from 2016-2018, but shifted in 2019. They decreased until 2020, when they reached a low of $58, and finished at $90 in 2021.

How does Pearland compare to neighboring areas?

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

Car insurance companies look at numerous factors when they're figuring out how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:

  • Total number of drivers in the area
  • Road safety
  • Regional crime rates
  • Off-street parking accessibility
  • Community regulations

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge 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 Pearland?

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.

Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Pearland.

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Pearland Insurance FAQs

What factors affect car insurance quotes in Pearland?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, 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 Pearland?

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 Pearland?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 Pearland 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.

Find your best rate in just a few minutes