Pearland, TX Car Insurance

What is the average cost of car insurance in Pearland?


The average car insurance rate in Pearland is $1,418 per year. That's more expensive than the average in Texas ($1,415) and cheaper than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Pearland.


PEARLAND CAR INSURANCE RATES
Pearland Average (per year)Texas AverageNational Average
$1,418$1,415$1,548

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Pearland car insurance rates by provider


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Pearland, State Farm offers the cheapest premiums for the typical insurance buyer. See below the best companies for cheap auto insurance in Pearland — but don't forget to get personalized car insurance quotes to match your driving profile.


PEARLAND CAR INSURANCE RATES BY COMPANY
InsurerAverage Rate (annual)
State Farm$1,238
USAA$1,240
GEICO$1,252
Allstate$2,293

Read our guide to finding the best cheap auto insurance.



Car insurance rates by age bracket in Pearland

The age group that enjoys the lowest auto insurance rates in Pearland are drivers in their age_50s, who pay an average of $1,232per year. Those in their age_60s don't pay significantly more ($1,279).

The Pearland drivers facing the priciest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Pearland is to celebrate your 20th birthday. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Pearland is $1,803, the largest such difference between any two age brackets.


PEARLAND AUTO INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Yearly Rate
Teenagers$3,647
20s$1,844
30s$1,396
40s$1,360
50s$1,232
60s$1,279
70s$1,585

Learn more about how age influences auto insurance rates.



Pearland car insurance rates by marital status and gender


Marital status and gender are contributing factors to car insurance rates in many cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Pearland pay $93 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 Pearland, single drivers pay more than those who are widowed.

Gender is another factor that can impact auto insurance costs. The typical male driver in Pearland pays $6 more each year for car insurance than does his female counterpart.


PEARLAND AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,412
Male$1,418
Single$1,325
Married$1,325
Divorced$1,418
Widowed$1,292

Learn more about how gender and marital status have on insurance rates.



Pearland car insurance rates by accident and citation history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most costly citations to receive are DUI and reckless driving. Pearland drivers found guilty of reckless driving face insurance rate increases of $788 per year, compared to the citywide average. A DUI violation may lead to an $806 increase, while a citation for speeding leads to a $123 rate hike.


PEARLAND CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident/ViolationAverage Yearly Rate
DWI/DUI$2,224
Reckless Driving$2,206
At-fault Accident (damages < $1,000)$1,809
At-fault Accident (damages greater than $2,000)$2,165
Speeding Ticket (16-20 mph over speed limit)$1,541

Learn more about citations' impact on your auto insurance rates.



Pearland car insurance rates by credit level


In many cases, a driver's credit level is closely correlated with their auto insurance rates. Pearland drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 61% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Pearland, improving your credit to "Fair" could help you earn a $1,224 decrease in annual car insurance rates.


PEARLAND AUTO INSURANCE RATES BY CREDIT TIER
Credit LevelAverage Rate (annual)
Very Poor$2,991
Fair$1,767
Good$1,418
Very Good$1,316
Exceptional$1,167

Learn more about the relationship between poor credit and car insurance.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.