Car Insurance in Pasadena
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Car Insurance in Pasadena, TX
Located just southeast of Houston, Pasadena is the 24th largest city in Texas. Pasadena residents get the best of both worlds — proximity to the Gulf of Mexico coastline and a major metropolitan area, plus great weather! While Pasadena has just under 144,000 residents, it's near several exciting attractions, including the Johnson Space Center and the San Jacinto Battleground State Historic Site.
Commute times in Pasadena align with national averages, but drivers aren't limited to their vehicles. Residents who work in Houston may also use the Metro, saving time and headaches. If you do drive, abide by Texas driving laws to reduce the chances of an accident.
Pasadena drivers must carry state-approved car insurance with a minimum coverage of 30/60/25. Depending on your lender's requirements, you may need additional comprehensive coverage if you finance your vehicle.
Your Pasadena location and zip code may influence your insurance costs. With EverQuote, you can compare car insurance quotes in Pasadena and reduce your expenses.
How much is car insurance in Pasadena, TX?
In Pasadena, the total cost of car insurance can vary significantly depending on the coverage you select. Below is an overview of the average prices for the three most commonly chosen coverage options in the region:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Pasadena?
It is rather challenging to assess and rank the insurance costs for every car make, model, and year in the city. However, if you're interested in which newer models are generally more affordable to insure, here are the top 10 most budget-friendly car makes and models to consider in Pasadena:| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Honda Odyssey | $215 |
| 2 | Subaru Forester | $217 |
| 3 | Honda Cr-V | $218 |
| 4 | Toyota Corolla | $220 |
| 5 | Kia Sedona | $222 |
| 6 | Ford Fusion | $223 |
| 7 | Toyota Rav4 | $223 |
| 8 | Kia Sol | $225 |
| 9 | Toyota Tacoma | $225 |
| 10 | Ford F-150 | $232 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
If you've experienced a minor fender bender, a major accident, received a few speeding tickets, been charged with a DUI, or been involved in a hit-and-run, it is important to know that these factors can all influence your insurance costs in the city. The following breakdown illustrates how rates adjust based on common claims and violations in Pasadena, ranked from least to most significant:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $223 | 0% |
| Not at-fault Accident | $238 | +7% |
| Driving with expired registration | $255 | +14% |
| Speeding Ticket | $273 | +22% |
| DUI | $305 | +37% |
| Driving with a suspended license | $327 | +47% |
| Hit and Run | $334 | +50% |
| At-fault Accident | $362 | +62% |
What car insurance discounts can I get in Pasadena?
There are a number of discounts in Pasadena that can help reduce your insurance expenses. These include bundling multiple policies, paying in full upfront, opting for paperless transactions, and receiving renewal discounts for loyalty. The list below, ordered from the most significant to the least, highlights potential ways to save on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $196 | +$27 |
| Paid in Full | $210 | +$13 |
| Multi-Policy Renters | $213 | +$10 |
| Low Mileage | $214 | +$9 |
| Renewal discount | $215 | +$8 |
| Paperless | $219 | +$4 |
| Electronic Funds Transfer | $221 | +$2 |
| None | $223 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.