Explore the best ways to save on auto insurance in Pasadena, Texas.
The average car insurance rate in Pasadena is $1,546 per year. That's more expensive than the statewide average in Texas ($1,415) and less expensive than the national average of $1,548. Our guide to car insurance in Pasadena — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status.
|Pasadena Average (per year)||Texas Average||U.S. Average|
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Pasadena, USAA offers the cheapest rates for the average insurance customer. Reference below the top options for affordable insurance in Pasadena. Don't forget to gather customized quotes based on your unique driving profile.
The age group that enjoys the lowest auto insurance rates in Pasadena are drivers in their 50s, who pay an average of $1,346 per year. Those in their 60s don't pay significantly more ($1,395).
Young drivers aged 16 to 19 pay the most for car insurance in Pasadena. One of the most effective ways to lower your car insurance rates as a driver in Pasadena is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Pasadena is $1,936. That's the biggest gap in premiums between any pair of age brackets.
|Age bracket||Average Yearly Rate|
In some cases, a driver's marital status and gender may affect their car insurance rates. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Pasadena pay $98 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Pasadena, single drivers pay more than those who are widowed.
Gender is yet another factor that can affect auto insurance premiums. In Pasadena, male drivers pay $7 more per year for car insurance than do female drivers.
|Marital Status/Gender||Average Annual Rate|
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Pasadena drivers found guilty of reckless driving face insurance rate increases of $847 per year, compared to the citywide average. A DUI violation may lead to an $867 increase, while a citation for speeding leads to a $132 rate hike.
|Violation/Incident||Average Annual Rate|
|At-fault Accident (damages < $1,000)||$1,971|
|At-fault Accident (damages > $2,000)||$2,349|
|Speeding Ticket (16-20 mph over speed limit)||$1,679|
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Pasadena drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 61% decrease in their auto insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Pasadena, improving your credit to "Fair" corresponds with a $1,340 decrease in annual car insurance rates.
|Credit Tier||Average Yearly Rate|