Cheapest Car Insurance Quotes in Pasadena

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Pasadena Car Insurance

^$ 31

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Pasadena

The car insurance rate in Pasadena is $1223 for a six-month policy, which is $212 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $777, making it a popular choice for budget-conscious drivers. Rates in Pasadena can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Pasadena

$1223

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Pasadena

1st place: CSAA

At $777 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $985 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1042 for six months, making it the third cheapest auto insurance company in Pasadena.

Pasadena Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pasadena, CA is CSAA, offering policies at just $777 for a six-month term. This is followed by USAA, which has an average six-month premium of $985.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $934 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pasadena drivers find the best deals.

Cheap Car Insurance Companies in Pasadena, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$777	$131
USAA	$985	$166
Mercury	$1042	$175
AAA SoCal	$1142	$195
Progressive	$1200	$202
Allstate	$1315	$221
Wawanesa	$1323	$223
AAA NorCal	$1337	$227
Auto Club	$1379	$230
State Farm	$1459	$246
AAA	$1660	$277
Kemper	$1718	$292
Farmers	$1919	$319
Capital Insurance Group	$855	$143
National General	$870	$148
State National	$885	$148
Hartford	$934	$159

Key Takeaways

Way's key takeaways about car insurance in Pasadena

The auto insurance costs in Pasadena fall around $777 for six months.
The cheapest auto insurance company in Pasadena is CSAA.
Teen drivers pay the highest rate in Pasadena at $81 per month.

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Cheapest Minimum Liability Car Insurance in Pasadena

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Pasadena are given below.

CSAA provides the cheapest minimum car insurance coverage in Pasadena. Their Average 6 Month Premium is $186. 21st Century is the most expensive at $489 for the same period.

Cheapest Liability Coverage in Pasadena, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$186	$31
AAA	$330	$56
USAA	$345	$58
AAA NorCal	$359	$61
AAA SoCal	$410	$70
Progressive	$417	$70
Auto Club	$424	$73
State Farm	$438	$74
Wawanesa	$445	$75
Mercury	$474	$80
Allstate	$511	$86
Farmers	$611	$102
Kemper	$338	$57
Capital Insurance Group	$367	$63
State National	$388	$67
National General	$482	$80
21st Century	$489	$83

Cheapest Full Coverage Car Insurance in Pasadena

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Pasadena is CSAA at $131 per month and $777 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pasadena, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$777	$131
USAA	$985	$166
Mercury	$1042	$175
AAA SoCal	$1142	$195
Progressive	$1200	$202
Allstate	$1315	$221
Wawanesa	$1323	$223
AAA NorCal	$1337	$227
Auto Club	$1379	$230
State Farm	$1459	$246
AAA	$1660	$277
Kemper	$1718	$292
Farmers	$1919	$319
Capital Insurance Group	$855	$143
National General	$870	$148
State National	$885	$148
Hartford	$934	$159

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Average Car Insurance in Pasadena by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Pasadena, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Pasadena, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Pasadena's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Pasadena

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$708
30s	Wawanesa	$571
40s	Wawanesa	$571
50s	Wawanesa	$571
60s	Wawanesa	$571
70s	Wawanesa	$559

Cheapest Car Insurance Rates for Teen Drivers in Pasadena,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Pasadena at $47 per month. At $474 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$281	$47
Capital Insurance Group	$633	$105
USAA	$1509	$254
Mercury	$1531	$258
Wawanesa	$1682	$286
Progressive	$1761	$296
CSAA	$2120	$357
State Farm	$2516	$424
AAA SoCal	$2724	$463
Allstate	$2919	$491
Auto Club	$3112	$529
AAA NorCal	$4147	$691
Farmers	$4234	$720
State National	$453	$75
Marcury	$474	$81

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Pasadena.

As young drivers face the highest rates in Pasadena, Wawanesa offers the cheapest auto insurance rates at $708 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

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Save up to $971/yr on car insurance rates in Pasadena.

Car Insurance Rates with An Accident in Pasadena

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Pasadena, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Pasadena

The cheapest car insurance companies after an at-fault accident in Pasadena include AAA and Capital Insurance Group, offering $460 and $661, respectively. 21st Century is an expensive provider with an average six-month premium of $826.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$460	$77
Capital Insurance Group	$661	$113
CSAA	$885	$149
USAA	$1323	$223
Progressive	$1531	$258
Mercury	$1624	$276
Wawanesa	$1868	$311
AAA SoCal	$1963	$334
Auto Club	$2070	$345
Farmers	$2127	$358
State Farm	$2530	$426
AAA NorCal	$2709	$461
Allstate	$3256	$548
State National	$546	$91
Hartford	$633	$108
National General	$726	$121
Nationwide	$783	$133
21st Century	$826	$138

Pasadena Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pasadena CA. For example, the car insurance in Pasadena after a DUI increases to $2106 for a six month policy. While the rate increases by $553 for a six-month policy in the case of a speeding ticket.

Pasadena auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1315	$219
Not-at-fault accident	$1315	$224
One comp claim	$1315	$219
One Med/PIP claim	$1315	$224
Two comp claims	$1315	$219
Two Med/PIP claims	$1315	$224
At-fault accident - less than $1000	$1344	$224
Failure to show documents	$1733	$294
Driving with expired registration	$1768	$295
Driving without lights	$1768	$300
Failure to wear a seat belt	$1775	$296
Child safety restraint	$1790	$304
Speeding 11 - 15 MPH over limit	$1861	$310
Speeding 16 - 20 MPH over limit	$1861	$317
Driving too slowly	$1868	$311
Failure to stop at a red light	$1868	$318
Failure to yield	$1868	$311
Following too closely	$1868	$318
Illegal turn	$1868	$311
In 65 MPH zone	$1868	$318
Speeding 21 - 25 MPH over limit	$1868	$311
Speeding 6 - 10 MPH over limit	$1868	$318
Speeding in school zone	$1868	$311
Improper passing	$1876	$319
Cell phone violation	$1883	$313
Texting while driving	$1883	$321
Passing school bus	$1905	$317
Wrong way/wrong lane	$2228	$379
Operating a vehicle without permission	$2278	$380
At-fault accident - $1000-$2000	$2293	$390
At-fault accident - greater than $2000	$2293	$382
Open container	$2300	$391
Driving with a suspended license	$2667	$444
Reckless driving	$3249	$553
Racing	$3285	$547
Leaving scene of an accident/hit and run	$3298	$561
DUI	$3421	$570
Refusal to submit to a chemical test	$3421	$582

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Pasadena after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Pasadena.

The cheapest car insurance premiums in Pasadena are offered by AAA at $905 for a six-month policy. However, it can be as expensive as $762 with companies like Kemper.

Pasadena car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$905	$154
Capital Insurance Group	$985	$165
Mercury	$1171	$197
Progressive	$1733	$292
Wawanesa	$2105	$358
Farmers	$2235	$376
USAA	$2379	$401
CSAA	$2516	$424
AAA SoCal	$3637	$618
Auto Club	$4161	$693
AAA NorCal	$4794	$816
State Farm	$5117	$862
Allstate	$5268	$887
Travelers	$1014	$169
National General	$474	$79
Kemper	$762	$127

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Pasadena are offered by CSAA at $115. However, it can be as expensive as $546 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Pasadena after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$115	$19
Capital Insurance Group	$633	$105
Mercury	$1078	$182
USAA	$1129	$188
Progressive	$1215	$204
AAA NorCal	$1682	$281
AAA SoCal	$1804	$307
Allstate	$1855	$309
State Farm	$1963	$334
Farmers	$2716	$453
AAA	$352	$59
Kemper	$445	$76
National General	$474	$79
State National	$546	$93

Car Insurance Price Trends in Pasadena, California

Car insurance rates in Pasadena have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Pasadena rose by $232 in December compared to $230 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Pasadena rose to $65 in December, compared to $63 in November. This represents an increase of $2 when comparing December and November.

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Average Car Insurance Cost in Pasadena by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Pasadena. At $1382 for a six-month policy, insuring your car at 91101 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
91101	$1382	$232
91105	$1321	$222
91106	$1419	$238
91103	$1431	$240
91104	$1516	$255
91107	$1467	$246

Frequently Asked Questions

How much is car insurance in Pasadena?

The car insurance in Pasadena is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Pasadena?

The cheapest car insurance in Pasadena is $131 per month for full coverage.

How much is car insurance in Pasadena for teenagers?

Car insurance for teenagers costs $281 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Pasadena?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $206 per month to insure your car in Pasadena.

Is car insurance expensive in Pasadena?

Car insurance can be expensive in Pasadena if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Pasadena can be affordable.

Cheapest Car Insurance Quotes in Pasadena

Why you can trust Way?

How Much Is Car Insurance in Pasadena

Avg. Car Insurance in Pasadena

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Pasadena

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Pasadena Car Insurance Rates by Company

Cheap Car Insurance Companies in Pasadena, CA

Way's key takeaways about car insurance in Pasadena

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pasadena

Cheapest Liability Coverage in Pasadena, CA

Cheapest Full Coverage Car Insurance in Pasadena

Cheapest Full Coverage Car Insurance Quotes in Pasadena, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pasadena by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Pasadena, CA increasing?

Car Insurance Premiums by Age in Pasadena

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pasadena,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Pasadena.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Pasadena

Cheapest Car Insurance Companies after an At-Fault Accident in Pasadena

Pasadena Car Insurance Rates by Violation

Pasadena auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pasadena after a DUI

Pasadena car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pasadena after Speeding ticket

Car Insurance Price Trends in Pasadena, California

Average Car Insurance Cost in Pasadena by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pasadena, CA

Car Insurance Rates by State in the USA (2025 Update)

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