Pasadena, TX Car Insurance

The Zebra
July 25, 2018

Car Insurance in Pasadena

On average, Texas premiums are $383 higher than the national average. Premiums run even higher in the city, so being knowledgeable about premiums while insuring a vehicle in Pasadena is crucial. Let’s take a look at how to save on car insurance in Pasadena.

  • City Average: $2,014
  • State Average: $1,810
  • National Average: $1,427

Pasadena Car Insurance by Age

In Pasadena, drivers see the largest fall in premiums when they hit their 20s, as they pay an average of $4,173 less after moving out of the teenage age bracket. The first time drivers can expect their age to trigger an increase in premiums is when they turn 60. Drivers in their 50s save money on car insurance premiums, as they have the smallest rates among all age groups, paying only $1,714 a year. However, people in their 60s ($1,791) aren’t paying significantly more. With average car insurance payments of $6,630, teenage drivers have the largest premiums of any age group.

  • Teenagers: $6,630
  • 20s: $2,456
  • 30s: $1,983
  • 40s: $1,917
  • 50s: $1,714
  • 60s: $1,791
  • 70s: $2,233

Pasadena Car Insurance by Gender and Marital Status

In Pasadena, gender as well as marital status can influence your car insurance premiums. In your city, marital status actually has a substantial impact on premiums. You can save close to $210 per year if you're married as opposed to single or divorced. Rates for those who are widowed are also strikingly cheaper than rates for those who are single. Normally, females have premiums that are cheaper than those for males, but not by much.

  • Female: $1,995
  • Male: $2,014
  • Single: $2,014
  • Married: $1,807
  • Divorced: $2,014
  • Widowed: $1,830

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Pasadena Car Insurance by Credit Rating

Improving your credit can save you a sizable chunk of money. Those in the bottom credit tier (300-579) generally pay more than twice as much on premiums than those in the top credit tier (800-850). Drivers can save around $415 per year when they improve their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $3,542
  • Fair: $2,994
  • Good: $2,480
  • Very Good: $2,085
  • Exceptional: $1,670

Pasadena Car Insurance by Accident or Violation History

By avoiding driving mishaps that can inflate your premiums, you can not only save yourself money, but become a safer driver. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. Nobody plans on getting into an accident, but things happen, so be aware of how your rates can change following one. Expect your yearly car insurance premiums to rise by 50% if you are found at-fault in an accident in Pasadena. $846 is the extra cost per year for drivers with a DUI in Pasadena, compared to the city average of $2,014. Reckless driving will drive your rates up as well, with typical rates of $2,785, which are 38% higher than the city average.

  • DUI: $2,860
  • Reckless Driving: $2,785
  • At-fault Accident (damages less than $1000): $3,028
  • At-fault Accident (damages greater than $2000): $3,028
  • Speeding Ticket (16-20 mph over speed limit): $2,106