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Pasadena is one of the most expensive places to live in California, with a cost of living assessment of 189, against 150 for the State. The average cost of auto insurance in Pasadena is $ 924 for minimum coverage and $ 2,433 for full coverage, according to Bankrate’s 2022 Annual Quoted Premiums Study. The city drivers are most often stopped or fined for speeding and distracted driving. Both types of violations can result in serious accidents or cause injury or death to pedestrians. Having the best car insurance in Pasadena financially protects you from the dangers of driving, whether you are at fault or a victim.

It is quite expensive to live in Los Angeles County. Residents of the quaint town, home to the annual Rose Parade, can save on their vehicle coverage if they know how to find the cheapest car insurance in Pasadena. To get you started, we’ve compared insurance companies based on criteria such as annual rates, coverage options, and good reputation with customers.

Best Car Insurance Companies in Pasadena

To refine Bankrate data collected from 20 of the top insurance companies operating in Pasadena, we turned to JD Power for policyholder opinions on auto insurance companies. In addition, AM Best and Moody’s credit ratings have played an important role in finding companies with the most financial stability. Last but not least, Pasadena’s top four auto insurance companies had the lowest rates in town.

Insurance company JD Power Score Average annual premium for minimum coverage Average annual premium for full coverage
Geico 828 / 1,000 $ 629 $ 1,763
barn NR $ 654 $ 2,130
AAA 848 / 1,000 $ 737 $ 2,370
Mercury NR $ 767 $ 1,924

Geico

Geico premiums for Pasadena vehicle owners are lowest for minimum and full coverage. The rates are on average $ 629 per year for liability insurance. When you expand coverage to include your vehicle with Comprehensive and Collision Damage Insurance, the annual premiums are $ 1,763. Among the discounts, vehicle owners can save by taking advantage of lower rates for military personnel and other professions, vehicle safety and security equipment, automated payments, safe drivers, and good students.

Learn more: Geico Assurance review

barn

Grange Assurances a discounts that you will not find elsewhere, such as New Beginning for policyholders in a situation of separation or divorce. Safe drivers save the most money. Being violation free for three years or more can lower your premiums. In addition, the OnTrack program uses an application on your smartphone to track your driving and reduce your premiums according to your habits.

Learn more: Grange Assurance review

AAA

If you are already an AAA member, you might be happy to know that the company’s auto liability insurance is one of the cheapest of the top carriers. You can pay an average of $ 737 per year on top of the annual club membership which ranges between $ 56 and $ 119, depending on the membership level you choose. Full coverage is also available through AAA although the prices aren’t as competitive. However, it is always worth getting a quote before choosing an insurance company.

Learn more: AAA Assurance Review

Mercury

Drivers who have multiple speeding tickets, one or more at-fault accidents, or a DUI may have a hard time finding coverage. Even if they find insurance, the rates can be considerably higher. Los Angeles-based Mercury Insurance is known for providing affordable, no-frills coverage for drivers who struggle to find insurance elsewhere. Besides the standard insurance options most drivers need it, Mercury offers ridesharing insurance and roadside assistance. As you can see, the options are not extensive, but if you don’t have unique coverage needs, they are more than enough.

Learn more: Mercury Insurance Review

The cheapest car insurance in Pasadena

The cheapest auto insurance companies in Pasadena could save you hundreds of dollars a year. California’s average annual full insurance premiums of $ 2,065 are already higher than the national average of $ 1,674. Pasadena is one of the most expensive areas in the state to live in, and vehicle owners could benefit from some expense relief. One of the ways to save the most on auto insurance is to choose the right insurance company. Take a look at how the premiums offered by the biggest and cheapest insurance companies can vary.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $ 629 $ 1,763
AAA $ 737 $ 2,370
Mercury $ 767 $ 1,924
Travelers $ 833 $ 2,058
Progressive $ 836 $ 2,246

Pasadena vehicle owners who are service-oriented may prefer AAA for in-person tours. In addition to insurance, vehicle owners have access to travel discounts and DMV services at the nearest AAA branch. For strictly lower prices, Geico or Mercury are the cheapest. Young drivers looking for innovative insurance options should check out Progressive Insurance or Travelers. Insured travelers can take out carpooling insurance or take out automobile insurance even if they do not own a vehicle, so they can safely borrow someone else’s car. Progressive also offers carpooling coverage, as well as optional insurance for custom parts and equipment.

Pasadena Insurance Requirements

Pasadena car owners and drivers must have at least civil liability insurance with a minimum of:

  • $ 5,000 for property damage
  • $ 15,000 in death / bodily injury per person
  • $ 30,000 in accidental death / bodily injury

However, the minimum requirements are only a baseline. Raising the minimum 15/30/5 requirements could help you avoid having to pay larger damages out of pocket. And if you own or lease your vehicle, you will likely need comprehensive auto insurance that includes full coverage and collision coverage to pay for damage or loss to your vehicle.

Discounts on auto insurance in Pasadena

Once you’ve found the cheapest carrier with the coverage options you like, check to see if the following discounts are available. They could save you more on your Pasadena auto insurance premiums:

  • Multi-car: Consolidating your vehicles into a single policy could result in reduced coverage across the board.
  • Defensive driving course: Vehicle owners can improve their driving skills and can get a discount if they take an approved online driver safety course.
  • Security equipment: Cars equipped with advanced airbags, collision prevention systems and / or anti-theft devices may benefit from lower fares.
  • Safe Driver: It goes without saying that drivers without an accident, claim or ticket generally have lower insurance premiums. Drivers with no criminal record for three years or more can benefit from the largest discount.

Young adults and older drivers can take advantage of the biggest discounts after taking a defensive driving course. Depending on the number of vehicles in your household, the multi-car discount can also significantly lower your vehicle prices.

Frequently Asked Questions

What is the best auto insurance company?

The best auto insurance company depends on the criteria you prioritize. If you are looking for inexpensive, quality coverage, Geico and USAA are good options. For comprehensive auto insurance, State Farm and Travelers have many coverage options to extend vehicle protection. High risk drivers should consider Mercury Insurance.

What auto insurance do I need in Pasadena?

The amount of auto insurance you might need depends on your personal situation. If you are renting your car or have a loan, the lender will require full coverage. If you own a home or have assets such as investments or a savings account, consider increasing your policy limits well beyond the minimum amount required.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record , good credit and the following comprehensive coverage limits:

  • $ 100,000 of civil liability for bodily injury per person
  • $ 300,000 liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.

These are sample rates and should only be used for comparison purposes.

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