Cheapest Car Insurance In Pasadena, CA
GEICO offers the lowest-priced minimum coverage car insurance in Pasadena, averaging $48 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cheapest car insurance in Pasadena, CA, typically comes from providers like GEICO and AAA, with minimum liability policies currently starting around $47 per month. For drivers needing full coverage, average rates range from $137 to $152 monthly, though individual premiums depend heavily on your driving record, age, and ZIP code.
Because local traffic density in Los Angeles County often inflates area rates, avoiding overpayment requires comparing multiple carriers. Evaluating quotes side-by-side helps Pasadena residents secure the most cost-effective auto policy for their specific coverage needs.
What’s Changed In 2026?
- California’s recent increase in state minimum liability requirements currently raises baseline policy costs for Pasadena drivers.
- Several major insurers that paused new policies in California have resumed writing auto coverage, increasing competition in Pasadena.
- Carriers are placing greater emphasis on mileage-based discounts to offset rising base rates for local commuters.
Cheapest Car Insurance Companies In Pasadena, CA 2026
Cheapest Liability-only Car Insurance In Pasadena: GEICO
In Pasadena, GEICO offers the most affordable minimum coverage car insurance, costing an average of $47 per month.
Check the table below to compare insurance rates from various providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $47 | $564 |
| Kemper | $55 | $660 |
| Farmers | $61 | $732 |
| AAA | $64 | $768 |
| State Farm | $69 | $828 |
Cheapest Full Coverage Insurance Rates In Pasadena: AAA
AAA offers the most affordable full coverage car insurance in Pasadena, with an average monthly rate of $140
The table below shows average car insurance quotes from budget-friendly providers in Pasadena.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $140 | $1,680 |
| CIG | $142 | $1,704 |
| Mercury | $143 | $1,716 |
| Kemper | $150 | $1,800 |
| Progressive | $152 | $1,824 |
Cheapest Car Insurance Rates For Seniors: Mercury
In Pasadena, Mercury offers the lowest car insurance rates for seniors, averaging $115 per month.
The table below displays average quotes from the most affordable auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $115 | $1,380 |
| USAA | $130 | $1,560 |
| 21st Century | $132 | $1,584 |
| Direct Auto | $240 | $2,880 |
| Farmers | $251 | $3,012 |
Cheapest Rates In Pasadena For Teenagers: GEICO
GEICO offers the lowest car insurance rates for teenage drivers in Pasadena, with an average monthly premium of $278.
The table below lists the companies offering the lowest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $278 | $3,336 |
| CIG | $306 | $3,672 |
| State Farm | $285 | $3,420 |
| Allstate | $314 | $3,768 |
| Progressive | $376 | $4,512 |
Cheapest Auto Insurance For Young Adults in Pasadena: Direct Auto
For young adults in Pasadena, Direct Auto offers the most affordable car insurance, with average monthly rates of $77.
The table below helps you compare the lowest auto insurance rates in Pasadena for young adults.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $77 | $924 |
| Kemper | $101 | $1,212 |
| Safeco | $100 | $1,200 |
| 21st Century | $187 | $2,244 |
| Mercury | $110 | $1,320 |
Cheapest Car Insurance In Pasadena For Good Drivers: GEICO
GEICO offers the most affordable car insurance for good drivers in Pasadena, with rates averaging $48 per month.
If you’re a safe driver, check the table below to compare average quotes from the most affordable insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $47 | $564 |
| Kemper | $55 | $660 |
| Farmers | $61 | $732 |
| AAA | $64 | $768 |
| State Farm | $69 | $828 |
Find affordable Pasadena rates
Cheapest Car Insurance In Pasadena After A Speeding Ticket: National General
National General stands out as one of the most affordable options in Pasadena, with average monthly rates of $138 for drivers with a speeding ticket.
The table below shows the average rates for drivers who have a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $138 | $1,656 |
| CIG | $164 | $1,968 |
| Mercury | $187 | $2,244 |
| Kemper | $199 | $2,388 |
| GEICO | $173 | $2,076 |
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Cheapest For Drivers With After At-Fault Accident: CIG
For drivers with an at-fault accident, CIG offers the lowest car insurance rates, averaging $167 a month.
Below are the insurance companies offering the lowest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| CIG | $167 | $2,004 |
| AAA | $212 | $2,544 |
| GEICO | $195 | $2,340 |
| Farmers | $321 | $3,852 |
| State National | $218 | $2,616 |
Cheapest Rates In Pasadena For Drivers After A DUI: National General
National General offers the lowest rates for drivers in Pasadena after a DUI, with average monthly premiums of $140.
The table below shows the lowest car insurance rates for drivers in Pasadena with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $140 | $1,680 |
| CIG | $257 | $3,084 |
| Mercury | $233 | $2,796 |
| Farmers | $399 | $4,788 |
| GEICO | $276 | $3,312 |
Best Car Insurance Companies In Pasadena
GEICO offers the cheapest car insurance in Pasadena at $47 a month, but you can also look at Progressive for $53 or Kemper for $55 a month.
Below are the top 10 car insurance providers in Pasadena, CA, listed by their average monthly rates.
| Company | Monthly Premium |
| GEICO | $47 |
| Kemper | $55 |
| Farmers | $61 |
| AAA | $64 |
| State Farm | $69 |
| Progressive | $53 |
| Mercury | $61 |
| CIG | $64 |
| State National | $67 |
| National General | $71 |
Average Auto Insurance Rates In Pasadena – By Age
Age plays a major role in determining car insurance rates. Young drivers usually face higher premiums because they have less experience and are more likely to be involved in accidents or traffic violations. Teenagers typically pay about $2,005 annually for car insurance.
Once drivers turn 25, their insurance rates typically start to drop, provided they have a clean driving record.
Drivers in their 50s and early 60s typically get the best insurance rates. Insurance companies use age to measure driving experience and risk, which affects premium costs.
| Age | Average Yearly Rate |
| Teenagers | $2,005 |
| 20s | $2,165 |
| 30s | $1,704 |
| 40s | $1,575 |
| 50s | $1,692 |
| 60s | $1,507 |
| 70s | $1,765 |
Average Cost Of Auto Insurance In Pasadena – By Zip Code
Insurers use zip codes to assess crime rates in your area, which is why car insurance rates can vary by zip code.
The table below shows average car insurance rates for various zip codes in Pasadena.
| Zip Code | Average Monthly Rate |
| 91101 | $157 |
| 91103 | $146 |
| 91105 | $155 |
| 91107 | $158 |
| 91106 | $142 |
How Much Is Car Insurance In Other Cities in California?
Where you live plays a major role in determining your car insurance rates. Insurers take into account factors like the likelihood of accidents, vehicle theft, and vandalism, which tend to be higher in cities. This increased risk often leads to higher premiums.
For instance, car insurance in Los Angeles averages $247 a month, whereas in Bakersfield, the average rate is $134 per month.
| City | Average Monthly Rate |
| Los Angeles | $247 |
| San Diego | $179 |
| San Jose | $153 |
| San Francisco | $228 |
| Fresno | $160 |
| Sacramento | $159 |
| Long Beach | $223 |
| Oakland | $236 |
| Bakersfield | $134 |
| Anaheim | $235 |
Average Rates In Pasadena – By Vehicle
The kind of car you drive is an important factor in determining your insurance costs. Insurance companies consider the make, model, year, and body style of your vehicle. Generally, newer cars, especially luxury models with expensive technology and replacement costs, have higher insurance rates.
The table below shows the average insurance rates in Pasadena for various types of vehicles.
| Vehicle | Average Monthly Rate |
| Jeep Patriot | $82 |
| Kia Optima | $91 |
| Volkswagen Jetta | $75 |
| Audi A8 | $159 |
| Nissan Altima | $108 |
Find affordable Pasadena rates
Our Methodology
After analyzing factors like customer service, product options, pricing, and online reviews, I've put together a detailed look at the car insurance providers in Pasadena, CA.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Pasadena?
In Pasadena, GEICO offers the cheapest rates for minimum coverage, while AAA provides the lowest prices for full coverage, including comprehensive and collision protection.
What is the average cost of car insurance in Pasadena?
The typical cost of car insurance in Pasadena is around $152 per month. However, rates can differ depending on factors like your zip code, car make and model, driving history, and more.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.