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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 Average||National Average|
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Pearland car insurance rates by company
The best way to save on auto insurance is to compare quotes 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
The age group that enjoys the lowest auto insurance rates in Pearland are drivers in their 50s, who pay an average of $1,232 per year. Those in their 60s pay similar rates ($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
|Age||Average Yearly Rate|
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/Gender||Average Yearly Rate|
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 costliest citations 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/Violation||Average Yearly Rate|
|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|
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 Level||Average Rate (annual)|
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.