Best Auto Insurance Rates in Pasadena, Texas

On average, your neighbors pay $77 a month.

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In celebration of San Jacinto Day, the first Strawberry Festival of Pasadena was held in 1974. For 42 years, this festival has grown to be an essential celebration of Pasadena's heritage. Now, Pasadena residents can get car insurance savings that are as sweet as the strawberries that grow in their city.

Average Pasadena Car Insurance Rates

How much is car insurance in Pasadena, TX? Residents shouldn't be surprised that average rates in Pasadena are higher than the national average. The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01.

Prices may vary depending on your driving history, age, policy limits, coverage, and the number of claims filed in your zip code.

Texas Average Annual Car Insurance Rates
Coverage Rates
Liability $516.26
Collision $357.61
Comprehensive $192.33
Total Cost Per Year $934.22
Price Per Month $77.85
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.

Texas average car insurance rates

QuoteWizard helps consumers compare quotes from the top national insurance companies and independent local agents. Comparing quotes can help you find cheap car insurance rates near Pasadena, Texas and save up to 40% on your premium.

Last year, 3,481 people used QuoteWizard to compare car insurance quotes in Pasadena, TX from multiple companies and find the cheapest rates.

Best Car Insurance Companies in Pasadena, TX

These are the most common car insurance companies reported by the 3,481 QuoteWizard users in Pasadena, Texas last year. Of these users, 193 were uninsured.

Top 10 Vehicles in Pasadena

These are the most common vehicles owned by Pasadena, TX drivers requesting quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet C1500 Silverado
  3. Honda Accord EX/LX
  4. Chevrolet Impala LS
  5. Ford Mustang
  6. Chevrolet C1500 Tahoe
  7. Ford F150 Supercrew
  8. Nissan Altima 2.5
  9. Ford Explorer
  10. Dodge Ram 1500
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Minimum Car Insurance Requirements in Pasadena, TX

Pasadena, Texas has a minimum liability coverage requirement known as the 30/60/25 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The maximum your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The most your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The total your insurance carrier will pay for property damage caused by a car accident.

Pasadena Drivers

Allstate Insurance recently published a report ranking cities by how safe drivers in those cities are. Pasadena, TX drivers are far from the worst, but there's plenty of room for improvement: Pasadena ranked 89th out of 200 cities. While most US drivers go 10 years between accidents, drivers here are involved in car accidents every 8.8 years. Out of 3,481 QuoteWizard users in Pasadena, 67 reported incidents on their driving records.

Pasadena drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Major factors that can influence insurance rates are weather and road conditions.

Weather

Summers in Pasadena are hot and humid, winters are mild and usually snow-free. Frequent downpours of rain coupled with a below sea level elevation creates many problems for local drivers in the form of urban flooding.

Road Conditions

TRIP reports that 80% of Greater Houston's roads are in either poor or mediocre condition. These roads are in such a sorry state of repair that they're estimated to cost each driver an average of $722 per year in extra vehicle operating costs. These additional costs are due to traffic congestion, crashes, and repairs.

Traffic Congestion

TomTom has ranked Houston as the 12th worst major city for traffic congestion in the United States. An average commuter spends 85 hours per year stuck in heavy traffic on poorly maintained roads. Pasadena is 14 miles away from Houston, however to get there you would have to take I-45 or I-610; these highways are the most congested in the area.

Moving Violations

Moving violations like speeding tickets, accidents, and drunk driving will go on your driving record and raise your rates.

Traffic Tickets

The City of Pasadena Municipal Courts website allows you to pay traffic ticket, provides information on disputing traffic tickets and provides important information about traffic court.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Get a quote and we will connect you with local insurance agents from top insurance companies that specialize in Pasadena DWI insurance.

Car Accident Statistics

Pasadena officials reported 4,129 car crashes in 2016. These crashes resulted in 1,311 injuries, 97 of them incapacitating.

DWI Crashes and Injuries

Pasadena reported 169 crashes involving alcohol or drugs in 2016. These accidents involving impaired drivers caused 64 injuries and two fatalities.

Traffic Fatalities

Pasadena experienced 12 fatal collisions in 2016 resulting in 13 deaths in motor vehicle crashes.

This works out to a fatality rate of 8.4 per 100,000 residents. All traffic deaths are a tragic loss, and considering Pasadena's estimated population of 153,351, this is one of the nation's safer cities in terms of traffic fatalities.

Vehicle Theft Rates

Pasadena reported 562 vehicle thefts in 2016. This is a rate of 3.65 per 1,000 residents, well above the national rate of 2.20 stolen cars per 1,000 people.

Save With Car Insurance Discounts

If you want to find affordable car insurance, discounts are one of the best ways to lower your insurance rates. Below are only some of the car insurance discounts available to drivers in Pasadena, TX.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 15% off your premium
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. Keep your driving record clean. Tickets and accidents are guaranteed to raise your rates
  4. Maintain at least a B grade point average in school to qualify for the good student discount
  5. Are you married or getting married soon? Many insurers offer a discount for married couples
  6. Install anti-theft devices or a car alarm system
  7. Live in a safe zip code with lower crime rates. People that live in zip code where lots of insurance claims are filed pay higher rates
  8. Take a defensive driving course from an accredited driving school
  9. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  10. Shop around and compare low-cost Pasadena car insurance quotes and discover all the discounts you qualify for

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