Pasadena, TX Car Insurance

What is the average cost of car insurance in Pasadena?


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. Read on for more information.


PASADENA AUTO INSURANCE PREMIUMS
Pasadena Average (per year)Texas AverageU.S. Average
$1,546$1,415$1,548

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Pasadena car insurance rates by company


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 get car insurance quotes based on your unique driving profile.


PASADENA AUTO INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
USAA$1,304
GEICO$1,341
State Farm$1,414
Allstate$2,577

Check out our guide to learn how to find the best cheap car insurance.



Pasadena auto insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Pasadena are drivers in their age_50s, who pay an average of $1,346per year. Those in their age_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.


CAR INSURANCE RATES BY AGE TIER IN PASADENA
Age bracketAverage Yearly Rate
Teenagers$3,943
20s$2,008
30s$1,523
40s$1,485
50s$1,346
60s$1,395
70s$1,720

Learn more about the impact of age on car insurance premiums.



Pasadena auto insurance rates by gender and marital status


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.


PASADENA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,539
Male$1,546
Single$1,448
Married$1,448
Divorced$1,546
Widowed$1,411

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



Pasadena auto insurance costs by violation history


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.


PASADENA CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage Annual Rate
DUI/DWI$2,413
Reckless Driving$2,394
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

Learn more about how citations can raise your auto insurance rates.



Pasadena car insurance rates by credit tier


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.


PASADENA AUTO INSURANCE RATES BY CREDIT TIER
Credit TierAverage Yearly Rate
Very Poor$3,267
Fair$1,927
Good$1,546
Very Good$1,435
Exceptional$1,271

Get additional information on how credit impacts car insurance costs.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.