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How much is car insurance in Pearland?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Texas are about $4 a month cheaper than the rates drivers pay in Pearland.
Conversely, when compared to the national average, the cost for auto insurance in Pearland is lower. It's around $11 less to insure your vehicle compared to the average rate for the United States as a whole.
Although these are the average rates for auto insurance in Pearland, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't worry, we've done the work for you and broken down the average rates for Pearland to help you understand what your monthly premium might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Pearland Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates rise again in Pearland.
Pearland Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Pearland, this difference shakes out to about $8 per month. Looking at the table above, you can see that female drivers pay around $65 on average, while male drivers typically pay $73 each month.
Pearland Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Pearland, a driving record with one accident will usually get you a rate around $80 a month. Similarly, drivers with one ticket will typically pay around $86 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Pearland Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$68|
If you look at the first table above, the cheapest vehicles to insure in Pearland are typically SUVs, at $61 per month.
Cars, trucks, and vans, however, usually cost about $71 to insure their vehicle.
Depending on your vehicle's age, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Pearland, vehicles eleven-to-fourteen years old are the most expensive to insure.
Pearland Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
Generally, people who are married will pay slightly less for insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
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 $19 a month.
Pearland Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$98|
Your housing status is another component of how insurance companies calculate your monthly rate. In Pearland, homeowners can expect to pay around $10 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Pearland, TX
Recent trends in car insurance for Pearland 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.
The rates for car insurance in Pearland had been increasing from 2017-2018, but decreased until 2020, when they hit a low of $58. Insurance rates finished down in 2022, at $66 a month.
How does Pearland compare to neighboring areas?
Why are car insurance rates in Pearland different from other areas?
Car insurance companies will take into account a number of factors when they're choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Area laws
- Regional crime rates
- Road safety
- Amount of off-street parking
- Number of drivers in the community
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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 Pearland?
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 has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Pearland in no time.
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Pearland Auto 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 gender and age but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Pearland different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 Pearland?
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 Pearland?
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 Pearland 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?
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