Table of contents
How much is car insurance in Pearland?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Pearland are about $5 a month more expensive than the rest of Texas.
That being said, car insurance rates in Pearland are often favorable when viewed against the rest of the country. The average monthly payment for the United States as a whole is about $11 more expensive than in Pearland.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down average rates for Pearland to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may climb back up a bit in Pearland.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Pearland, the difference comes out to about $8 per month. Based on the chart above, you can see that female drivers pay around $65 on average, while male drivers typically pay $73 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. Those with clean records can expect to pay a lot less than those with infractions. In Pearland, drivers with one accident on their record will experience rates around $81 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $86 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$70|
If you look at the first table above, the cheapest vehicles to insure in Pearland are typically SUVs, at $61 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 $72 to insure each month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is around 5 years old. In Pearland, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
Overall, married policyholders will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Pearland is about $19 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||$99|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $10 a month more than if you own your own home in Pearland. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Pearland, TX
Recent trends in car insurance for Pearland drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
Auto insurance rates in Pearland had been increasing from 2017-2018, but changed in 2019. They decreased until 2020, when they hit a low of $58, and finished down in 2022, at $77 a month.
How does Pearland compare to neighboring areas?
Why are car insurance rates in Pearland different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Off-street parking accessibility
- Total amount of drivers in the area
- Road Safety (frequency of local car accidents)
- Area crime rates
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing 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?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Pearland.
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 like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Pearland different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Pearland?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Pearland?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Pearland or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.