How much does car insurance cost in Pasadena?
Car insurance costs an average of $2,218 per year in Pasadena. That's more than the average across California ($1,868) and more expensive than the national average of $1,548. Our guide to Pasadena auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
CAR INSURANCE: PASADENA RATES VS. STATE + NATIONAL AVERAGES
|Pasadena Average (per year)||California Average||National Average|
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Pasadena car insurance rates by insurer
The difference in auto insurance rates from company to company can be substantial. In Pasadena, GEICO provides the most affordable rates for the typical insurance customer. See below the best companies for cheap auto insurance in Pasadena — but don't forget to get personalized car insurance quotes to match your driving profile.
PASADENA CAR INSURANCE PREMIUMS BY COMPANY
|Insurer||Average Annual Rate|
Auto insurance premiums by age in Pasadena
The age group that pays the least for car insurance in Pasadena are drivers in their age_60s ($1,997per year). Those in their age_50s don't pay significantly more ($1,998).
The Pasadena drivers who face the priciest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Pasadena is to age out of your teenage years. In Pasadena, teenage drivers pay $8,189 — a full $6,190 more than the second-most expensive rate paid by an age group.
PASADENA CAR INSURANCE RATES BY DRIVER AGE
|Age||Average Annual Rate|
Pasadena car insurance rates by gender and marital status
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 Pasadena 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 Pasadena, single drivers pay more than those who are widowed.
Gender is another factor that can impact auto insurance costs. In Pasadena, female drivers pay $5 per year more than do male drivers.
INSURANCE RATES IN PASADENA BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Annual Rate|
Pasadena auto insurance costs by citation and accident history
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
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 $3,749 per year, compared to the citywide average. A DUI violation may lead to a $3,623 increase, while a citation for speeding leads to a $904 rate hike.
PASADENA CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$2,227|
|At-fault Accident (damages greater than $2,000)||$3,918|
|Speeding Ticket (16-20 mph over speed limit)||$3,122|
Pasadena car insurance premiums by credit score
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. Pasadena drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their car insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Pasadena, moving into the "Fair" credit tier corresponds to an average of $0 in savings on insurance each year.
PASADENA AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Score||Average Yearly Rate|