Best cheap car insurance in Pasadena for 2021

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Pasadena is one of the most expensive places to live in California, with a cost of living rating of 189, compared to 150 for the state. The average cost of car insurance in Pasadena is $924 for minimum coverage and $2,433 for full coverage, according to Bankrate’s 2021 study of quoted annual premiums. Drivers in the city are most commonly pulled over or ticketed for speeding and distracted driving. Both types of violations can lead to serious accidents or cause injuries or death to pedestrians. Having the best car insurance in Pasadena financially protects you against driving hazards, whether you are at-fault or a victim.

It is expensive enough to live in Los Angeles County. Residents of the picturesque city, which is home to the annual Rose Parade, can save on vehicle coverage if they know how to find the cheapest car insurance in Pasadena. To help you get started, we compared insurance companies based on criteria including annual rates, coverage options and a good reputation among customers.

Best car insurance companies in Pasadena

To narrow down the data Bankrate collected from 20 of the top insurance companies operating in Pasadena, we looked to J.D. Power for policyholder opinions about car insurance companies. In addition, credit ratings from AM Best and Moody’s played an important part to find the companies with the most financial stability. Last but certainly not least, the four best car insurance companies in Pasadena had the lowest rates in the city.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
Geico 828 / 1,000 $629 $1,763
Grange NR $654 $2,130
AAA 848 / 1,000 $737 $2,370
Mercury NR $767 $1,924

Geico

Geico’s premiums for Pasadena vehicle owners are the lowest for both minimum and full coverage. Rates average $629 per year for liability-only insurance. When you expand coverage to include your vehicle through comprehensive and collision insurance, annual premiums come in at $1,763. Among the discounts, vehicle owners can save by taking advantage of lower rates for military personnel and other occupations, for vehicle safety and security equipment, automated payments, safe drivers and good students.

Learn more: Geico Insurance review

Grange

Grange Insurance has discounts that you will not find elsewhere, such as New Beginning for policyholders going through a separation or divorce. Safe drivers stand to save the most. Being violation-free for three years or longer can lower your premiums. In addition, the OnTrack Program uses an app on your smartphone to track your driving and reduce your premiums based on your habits.

Learn more: Grange Insurance review

AAA

If you already have AAA membership, you may be pleased to find out that the company’s liability car insurance is one of the cheapest of the top carriers. You may pay an average of $737 per year in addition to the annual club membership fee that ranges between $56 to $119, depending on the level of membership you choose. Full coverage is also available through AAA although pricing is not as competitive. However, it is still worth getting a quote before you choose an insurance company.

Learn more: AAA Insurance review

Mercury

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

Learn more: Mercury Insurance review

Cheapest car insurance in Pasadena

The cheapest car insurance companies in Pasadena could save you hundreds of dollars per year. California’s average annual full insurance premiums of $2,065 are already higher than the nationwide average of $1,674. Pasadena is one of the more expensive areas in the state to live and vehicle owners could use some relief on their expenses. One of the ways to save the most on car insurance is by choosing the right insurance company. Take a look at how the premiums offered by the largest 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-focused may prefer AAA for in-person visits. In addition to insurance, vehicle owners have access to travel discounts and DMV services at the closest AAA branch. For strictly lower prices, Geico or Mercury are the cheapest. Younger drivers in search of innovative insurance options should check out Progressive or Travelers insurance. Travelers policyholders can add rideshare insurance or buy car insurance even if they do not own a vehicle, so they can safely borrow someone else’s car. Progressive also offers rideshare coverage, as well as optional insurance for custom parts and equipment.

Pasadena insurance requirements

Pasadena car owners and drivers must have at least liability insurance with minimums of:

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

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

Car insurance discounts in Pasadena

Once you find the cheapest carrier with the coverage options you like, check and see if the following discounts are available. They could save you more on your car insurance Pasadena premiums:

  • Multi-car: Bundling your vehicles into one policy could earn you a discount on coverage across the board.
  • Defensive driving course: Vehicle owners can improve their driving skills and may earn a discount if they complete an approved online driver safety course.
  • Safety equipment: Cars equipped with advanced airbags, collision prevention systems and/or anti-theft devices may qualify for lower rates.
  • Safe driver: It goes without saying that drivers with no accidents, claims or tickets typically have lower insurance premiums. Drivers with a clean record for three years or longer may earn the largest discount.

Young adults and elderly drivers may find the biggest discounts after passing a defensive driving course. Depending on the number of vehicles in your household, the multi-car discount can also lower your vehicles’ rates significantly.

Frequently asked questions

What is the best car insurance company?

The best car insurance company depends on what criteria you prioritize. If you are in search of quality cheap coverage, Geico and USAA are good options. For full car insurance, State Farm and Travelers have plenty of coverage options to expand on vehicle protection. High risk drivers should consider Mercury Insurance.

How much car insurance do I need in Pasadena?

The amount of car insurance you may need depends on your personal situation. If you lease 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’s limits well beyond the minimum required amount.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

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

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
Edited by
Insurance Editor