For drivers in Pasadena, one of the big things that aid in calculating auto insurance rates is your zip code. Areas with a lot of weather claims or more people likely pay more, whereas areas with less congestion can boast about having cheaper rates.
The following table lists the priciest cities in Texas in which to purchase auto insurance. Pasadena is ranked at #8 with an annual rate of $1,758 for the average insurance policy, which is about $147 each month.
|Rank||City||Premium Per Year|
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Premium amounts are approximated as the specific zip code location can increase or decrease price quotes significantly.
Now that we know where Pasadena ranks compared to other cities, deciphering which insurers offer the lowest-priced auto insurance rates in Pasadena takes a bit more work than just picking a company at random. Every car insurance company uses different criteria for establishing rates, so let's take a look at the lowest cost auto insurance companies in Pasadena, TX.
It's important to understand that Texas auto insurance rates are impacted by many things that can increase the cost of having a policy. Getting older, buying a home, or having an accident can trigger changes in premium that can cause some rates to be more affordable than others.
Find the Best Cheap Insurance in Pasadena
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,247|
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Travelers may have some of the lowest car insurance rates in Pasadena at around $1,052 each year. This is $852 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the cheaper Pasadena, TX car insurance companies.
As shown above, if you currently buy coverage from USAA and switched to Travelers, you may realize an annual savings of around $76. Texas drivers with Texas Farm Bureau could save as much as $195 a year, and Germania Mutual policyholders might reduce rates by $242 a year.
Understand that those premiums are averaged for all insureds and vehicles and do not take into consideration a specific vehicle garaging location in Pasadena. So the car insurance company that fits your needs best may not even be in the top 23 companies shown above. That underscores the importance of why you need to get rate quotes from many companies using your own driver data and vehicle information.
The vehicle model requiring coverage is one of the largest factors when comparing quotes for the cheapest auto insurance in Pasadena. Vehicles with average performance, modern passenger safety features, or a low likelihood of having liability claims will cost less to insure than high performance models. The next list outlines car insurance prices for some of the cheaper vehicles to insure in Texas.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,007|
|Hyundai Elantra GLS Touring Station Wagon||$1,040|
|Honda Accord LX 4-Dr Sedan||$1,045|
|Chevrolet Impala LS||$1,063|
|Honda CR-V EX-L 4WD||$1,071|
|Ford Escape XLT 4WD||$1,070|
|Toyota RAV4 Limited 4WD||$1,087|
|Chevrolet Equinox LT 2WD||$1,095|
|Toyota Camry SE||$1,144|
|Kia Optima LX||$1,163|
|Ford F-150 XL Super Cab 4WD||$1,168|
|Ford Explorer XLT 2WD||$1,163|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$1,165|
|Jeep Grand Cherokee Limited 2WD||$1,175|
|Ford Edge SEL AWD||$1,207|
|Chevrolet Silverado LS Regular Cab 2WD||$1,226|
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in specific Pasadena, TX garaging location which can increase or decrease rates considerably.
Looking at the numbers, we can infer that models like the Jeep Wrangler, Hyundai Elantra, Honda Accord, and Chevrolet Impala are going to be a few of the cheapest vehicles to insure for drivers in Pasadena.
How much more does full coverage cost in Pasadena?
Saving money on auto insurance should be important to most people, and one way to save on the cost of insurance in Pasadena is to not insure for full coverage. The diagram below shows the difference between yearly insurance costs with full physical damage coverage compared to only buying liability only. The costs are based on no claims or driving citations, $500 deductibles, marital status is single, and no policy discounts are applied.
If averaged for all ages, comprehensive and collision coverage on your policy costs an additional $1,963 per year more than just buying liability only. That may make you wonder if physical damage coverage is worth the money. There is no clear-cut rule for eliminating physical damage insurance, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let's pretend your vehicle's book value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $5,000 after paying the physical damage deductible. If premiums are more than $500 annually for comprehensive and collision coverage, then it might be time to buy liability only.
There are some scenarios where removing full coverage is not a good plan. If you still have a lienholder on your title, you have to keep full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
How violations and accidents impact rates
The easiest method to find the cheapest auto insurance rates in Texas for drivers in Pasadena is to drive attentively and avoid at-fault accidents and violations. The diagram below illustrates how speeding tickets and accident claims drive up car insurance rates for different ages of insureds. The data is based on a single female driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
The data above shows the average cost of auto insurance in Pasadena per year with no accidents or violations is $1,649. Factor in two speeding tickets and the average cost swells to $2,202, an increase of $553 each year. Then include one accident along with the two speeding tickets and the 12-month cost of auto insurance in Pasadena goes up to an average of $2,762. That's an increase of $1,113, or $93 per month, just for not keeping your driving record clean!
The example below illustrates how your choice of deductibles can influence insurance prices when researching cheap insurance in Pasadena. The rates are based on a married female driver, full coverage, and no discounts are taken into consideration.
In the chart above, a 50-year-old driver could lower their policy premium by $352 a year by switching from a $100 deductible to a $500 deductible, or save $528 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old, could drop their prices up to $870 annually just by using higher deductibles. If you do decide to increase your deductibles, it will be necessary to have enough in a savings account to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.
Tips to find cheaper auto insurance in Pasadena
The list below details some of the recommended thrifty suggestions that can help Texas drivers get more affordable car insurance.
- Be a safe driver
- Avoid filing excessive claims
- Vehicles with good safety ratings are usually cheaper to insure
- Full coverage may not be needed on older vehicles
- Having at-fault accidents will increase rates
- Save money by insuring your home and auto with the same company
- Shop around for lower rates once a year
That last tip is especially important, as was affirmed in the article above. Prices charged by auto insurers go up and down frequently, so drivers shouldn't be resistant to switch companies if you can save money.
Having brand loyalty is commendable, but it isn't a good idea if that inflexibility results in costing you potentially thousands of dollars a year. In less than five minutes you could shop around and find cheaper car insurance in Pasadena.