Pasadena is the most expensive place to live in California. It has a cost-of-living rating of just 189, which compares to 150 elsewhere in the state. According to Bankrate’s 2021 study on annual premiums, Pasadena has an average car insurance cost of $924 for basic coverage and $2433 for comprehensive coverage. Most drivers in the city are pulled over or ticketed because of speeding or distracted driving. These violations can cause serious injuries to pedestrians or even death. The best Pasadena car insurance will financially protect you from driving hazards, regardless of whether you are at fault or a victim.
Los Angeles County is expensive enough. Pasadena is a picturesque city that hosts the annual Rose Parade. Residents can save money on their vehicle coverage by knowing how to find the cheapest auto insurance. We compared different insurance companies using criteria such as annual rates, coverage options, and customer satisfaction.
The best car insurance companies near Pasadena
J.D. was used to narrow down the data Bankrate gathered from 20 top Pasadena insurance companies. J.D. provides power for policyholder opinions on car insurance companies. Credit ratings from Moody’s and AM Best played an important role in determining which companies had the highest financial stability. The city’s lowest car insurance rates were also attained by the best four Pasadena companies.
Geico
Pasadena vehicle owner Geico’s premiums are the lowest, for full and minimum coverage. Liability-only insurance rates average $629 annually. Annual premiums for comprehensive and collision insurance can be increased to cover your vehicle. Vehicle owners can take advantage of discounts for military personnel and other occupations. These include lower rates for vehicle safety and security equipment.
Grange
Grange Insurance offers discounts you won’t find anywhere else, like New Beginning for policyholders who are going through a divorce or separation. Safe drivers will save the most. Your premiums can be reduced if you are a clean driver for at least three years. The OnTrack Program also uses an app to track your driving habits and lower your premiums.
AAA
AAA membership is a great way to save money on your car insurance. On average, you’ll pay $737 annually. The annual club membership fee ranges from $56 to $119 depending on your level of membership. AAA also offers full coverage, although the pricing isn’t as competitive. It is worth getting a quote before choosing an insurance company.
Mercury
Drivers with multiple speeding tickets, at-fault injuries or DUIs may struggle to find coverage. The rates could be significantly higher even if they find insurance. Mercury Insurance, a Los Angeles-based company, is well-known for offering affordable, no-frills insurance for drivers who are having difficulty finding insurance elsewhere. Mercury also offers roadside assistance and rideshare insurance, in addition to the standard insurance options drivers need. Although the options may not be extensive enough for you, if you don’t have specific coverage requirements, they will suffice.
Pasadena has the lowest car insurance
You could be saving hundreds of dollars each year by finding the cheapest Pasadena car insurance company. California’s annual full coverage premiums are $2,065 on average. This is higher than the national average premium of $1,674. Pasadena is a costly area to live in and vehicle owners may be able to get some relief. The best way to save money on car insurance is to choose the right insurance company. Look at the differences in the premiums of the largest and most affordable insurance companies.
AAA may be the preferred choice for Pasadena car owners who value service. Vehicle owners can also get travel discounts and DMV services at their nearest AAA branch. Mercury or Geico are the most affordable for those who want to pay a lower price. For young drivers looking for innovative insurance options, Progressive or Travelers insurance is a good choice. Ridershare insurance and car insurance can be added to Travelers policyholders even if they don’t own a car. This allows them to borrow another car. Progressive offers rideshare insurance and optional insurance for custom parts.
Pasadena Insurance requirements
Pasadena car drivers and owners of Pasadena cars must have minimum liability insurance with the following:
- $5,000 for property damage
- $15,000 per person in death/bodily Injury
- $30,000 per accident in death/bodily injuries
The minimum requirements are only a guideline. You could save money by increasing the minimum requirements to 15/30/5. If you lease or own your vehicle, you’ll likely need comprehensive and collision insurance to cover any damages to the vehicle.
Pasadena car insurance discounts
After you have found the lowest priced carrier that offers the coverage you want, you can check to see if there are any discounts. These discounts could help you save more on your Pasadena car insurance premiums.
- Multi-car: If you bundle multiple vehicles, you could get a discount across all policies.
- Online defensive driving course: Vehicle owners may be able to improve their driving skills, and possibly get a discount, if they take an approved online driver safety program.
- Safety equipment: Vehicles with advanced airbags and collision prevention systems, as well as anti-theft devices, may be eligible for lower rates.
- Safe driver: Drivers with no claims, accidents or tickets are more likely to have lower insurance premiums. Drivers who have a clean driving record for at least three years may be eligible for the biggest discount.
After completing a defensive driving course, young adults and elderly drivers might be eligible for the greatest discounts. The multi-car discount may be able to lower the vehicle’s rates depending on how many vehicles you have.
Questions frequently asked
Which is the best auto insurance company?
It all depends on which criteria you place emphasis on when choosing the best car insurer. USAA and Geico are great options if you’re looking for quality coverage at a low price. State Farm and Travelers offer full coverage for car insurance. They also have many options for vehicle protection. Mercury Insurance is a good option for high-risk drivers.
What amount of car insurance do you need in Pasadena
Your personal situation will determine how much car insurance you need. Lenders will require you to have full coverage if your vehicle is leased or financed. Consider increasing the limits of your policy if you have assets like investments or savings accounts.