Pearland Car Insurance

The Zebra
May 30, 2018

Car Insurance in Pearland

Texas premiums are 27% greater than the national average, which is why the state is recognized for its costly rates. Premiums run high in the city as well, so being knowledgeable about premiums while insuring a vehicle in Pearland is especially important. Going over some ways to save on Pearland car insurance can save you money.

  • City Average: $1,815
  • State Average: $1,810
  • National Average: $1,427

Pearland Car Insurance by Gender and Marital Status

In Pearland, a lot of driver traits, including gender and marital status, impact car insurance premiums. However, premiums for women tend to be only a little cheaper than for men. Did you know that in your city marital status can actually change your premiums substantially? Single individuals spend roughly $190 more per year compared to those who are married. Rates for those who are widowed are also much cheaper than rates for those who are single.

  • Female: $1,801
  • Male: $1,815
  • Single: $1,815
  • Married: $1,628
  • Divorced: $1,815
  • Widowed: $1,641

Pearland Car Insurance by Age

At $1,545, drivers in their 50s have the smallest insurance payments among any age group. Those in their 60s ($1,619) have premiums that aren't much higher. Teenage drivers have the biggest premiums out of all the age groups. They have average car insurance payments of $6,010 per year. The biggest fall in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Pearland start paying $3,804 less in premiums. Car insurance premiums for drivers in Pearland continue to drop through their 50s, but they can anticipate an increase when they turn 60.

  • Teenagers: $6,010
  • 20s: $2,206
  • 30s: $1,788
  • 40s: $1,729
  • 50s: $1,545
  • 60s: $1,619
  • 70s: $2,030

Pearland Car Insurance by Accident or Violation History

By avoiding driving mishaps that can bloat the cost of rates, you can not only save yourself money, but become a safer driver. Drivers with a DUI in Pearland have rates that surpass the city average ($1,815) by $756. Reckless driving will push your premiums up as well, with average rates of $2,503, which are 38% higher than the city average. $928 is, on average, the additional cost for car insurance in Pearland if you have an at-fault accident on your driving record.

  • DUI: $2,571
  • Reckless Driving: $2,503
  • At-fault Accident (damages less than $1000): $2,743
  • At-fault Accident (damages greater than $2000): $2,743
  • Speeding Ticket (16-20 mph over speed limit): $1,898

Pearland Car Insurance by Credit Rating

Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you $1,658 every year on premiums. Drivers will see the greatest decrease in premiums when they raise their credit from Very Poor (300-579) to Fair (580-669). That change can save them $376 per year.

  • Very Poor: $3,160
  • Fair: $2,679
  • Good: $2,226
  • Very Good: $1,878
  • Exceptional: $1,502

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