Best Cheap Auto Insurance in Pasadena, CA (2021)

The cheapest Pasadena, CA auto insurance is from GEICO, but rates will vary for each driver. However, low-income drivers in Pasadena may qualify for the California Low-Cost Auto (CLCA) program if they meet certain criteria. Pasadena, CA auto insurance must meet the state minimums of 15/30/5 in liability coverage, although drivers are encouraged to carry additional coverage.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 25, 2021

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Things to Remember

  • GEICO offers the lowest average auto insurance rates to all drivers in Pasadena, CA
  • Pasadena is part of the larger Los Angeles area and shares a high volume of traffic
  • California Low-Cost Auto (CLCA) program is available for low-income drivers who meet certain requirements

Pasadena, CA car insurance is more expensive than average, That’s not surprising since California auto insurance rates, in general, are higher than the national average.

The good news is that you can still find affordable Pasadena, CA car insurance by shopping around. Compare rates from several companies to find who can offer you cheap auto insurance.

Monthly Pasadena, CA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Pasadena, CA auto insurance rates by ZIP Code below:

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Pasadena, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Pasadena, CA against other top US metro areas’ auto insurance costs.

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Enter your ZIP code now to compare Pasadena, CA car insurance quotes from multiple companies near you for free.

What is the cheapest auto insurance company in Pasadena, CA?

Although USAA actually has the lowest average Pasadena, CA car insurance rates, it only offers coverage to the military, veterans, and their families. The Pasadena, CA car insurance company that offers the lowest average rates to all drivers is GEICO.

The cheapest Pasadena, CA car insurance providers can be found below. You also might be wondering, “How do those Pasadena, CA rates compare against the average California car insurance company rates?” We uncover that too.

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The best auto insurance companies in Pasadena, CA listed from least to most expensive are:

  • USAA – $3,158.35
  • GEICO – $3,201.01
  • Progressive – $3,404.29
  • Liberty Mutual – $3,504.91
  • Travelers – $3,978.26
  • State Farm – $4,809.28
  • Allstate – $5,339.93
  • Nationwide – $5,356.52
  • Farmers – $6,017.82

Your auto insurance rates are affected by many different factors, such as your age and driving record. Although many companies will also use gender to determine your rates, California is one of the few states that doesn’t allow it.

Where you live and the size of your city affects your rates also. Larger cities with more crime and traffic will pay more for auto insurance. For example, Los Angeles auto insurance is more expensive than coverage in Pasadena, even though the cities are near each other.

California also offers low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain income requirements.

Pasadena, California car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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Your coverage level will play a major role in your Pasadena, CA car insurance costs. Find the cheapest Pasadena, California car insurance costs by coverage level below:

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Your driving record will affect your Pasadena, CA car insurance costs. For example, a Pasadena, California DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Pasadena, California car insurance costs by driving record.

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Controlling these risk factors will ensure you have the cheapest Pasadena, California car insurance. Factors affecting car insurance rates in Pasadena, CA may include your commute, coverage level, tickets, DUIs, and credit.

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Age is a significant factor for Pasadena, CA car insurance rates. Young drivers are often considered high-risk. This Pasadena, California does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Pasadena, CA.

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What auto insurance coverage is required in Pasadena, CA?

Almost every state requires at least a minimum amount of auto insurance for drivers to drive legally. California is no exception.

The minimum auto insurance requirements in California for Pasadena drivers are:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered. Drivers should consider raising these limits and carrying additional coverages.

Consider adding additional coverages such as collision and comprehensive. Collision insurance helps pay for damages from an accident that you caused.

Comprehensive insurance covers damages not resulting from an accident, such as damages from Pasadena, CA weather like hail or falling debris.

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What affects auto insurance rates in Pasadena, CA?

Traffic can also affect your auto insurance rates because more cars on the road equal a higher chance of an accident.

Although INRIX doesn’t have data for Pasadena, it does rank nearby Los Angeles, CA as the fifth most congested city in the U.S. and the 37th most congested city in the world.

In fact, City-Data reports that most drivers in Pasadena, CA commute around 35 minutes, and a large number of drivers commute an hour or more.

Car theft can also raise your insurance rates. According to the FBI, there were 359 motor vehicle thefts in Pasadena in one year.

Pasadena, CA auto insurance: The Bottom Line

Pasadena auto insurance is more expensive than the state and national averages, although there is some help available for low-income drivers.

Before you buy Pasadena, CA auto insurance, shop around and compare quotes from multiple companies to find the best deal.

Enter your ZIP code now to compare Pasadena, CA auto insurance rates from companies near you.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Factors Affecting Auto Insurance Rates in Pasadena, CA
Pasadena, CA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Pasadena, CA Auto Insurance Rates by Company vs. City Average
Pasadena, CA Auto Insurance Rates by Company and Age
The Cheapest Pasadena, CA Auto Insurance Rates by Coverage Level
The Cheapest Pasadena, CA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Pasadena, CA
Average Monthly Auto Insurance Rates by Age & Gender in Pasadena, CA
Factors Affecting Auto Insurance Rates in Pasadena, CA
Pasadena, CA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Pasadena, CA Auto Insurance Rates by Company vs. City Average
Pasadena, CA Auto Insurance Rates by Company and Age
The Cheapest Pasadena, CA Auto Insurance Rates by Coverage Level
The Cheapest Pasadena, CA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Pasadena, CA
Average Monthly Auto Insurance Rates by Age & Gender in Pasadena, CA