Car Insurance Costs Ranges Between $1,075 and $2,889 in Pasadena, CA

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The average cost of auto insurance in Pasadena, CA, according to Zimlon, is $1,701. This is much lower than the average cost of auto insurance in the state and neighboring places such as Temple City and South San Gabriel. Residents of Pasadena can save up to $680 by comparing multiple auto insurance quotes. The cost of auto insurance is dependent on numerous factors ranging from the make and model of the vehicle to the age of the driver.

According to the U.S. Census Bureau, Pasadena has a population of 141,371. The median household income here is $78,941, and the per capita income is $45,306.

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Insurance Requirements:

Car insurance is mandatory for all vehicle owners in California. The minimum liability insurance requirements for private passenger vehicles are as follows:

  • $15,000 for injury/death to a person.

  • $30,000 for injury/death to more than a person.

  • $5,000 for damage to property.

Demographics:

The cost of auto insurance is dependent on the age and gender of the driver. Women are considered to be safer drivers, which makes auto insurance cheaper for them. As the above infographic indicates, married women pay the least on auto insurance in Pasadena, at $1,598. Auto insurance is expensive for teenagers since they lack driving experience. Male teenagers have to pay $3,708 on auto insurance while female teenagers pay $3,691.

Deductible:

Deductibles are one of the most common factors affecting the cost of auto insurance in the country and Pasadena is no different. A higher deductible leads to a decrease in the cost of auto insurance, while a low deductible can lead to an increase.

Neighborhood:

The neighborhood one lives in Pasadena can also have an impact on the cost of auto insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. This difference in rate within a city could be due to several factors such as the make and model of the vehicle and the rate of auto thefts in the neighborhood. 

Driving Record:

The driving record of car owners also has a direct impact on the cost of auto insurance. Getting charged for offenses such as DUI and driving without a proper license can have a long-term impact on the cost of auto insurance in Pasadena.  

Credit Score:

A healthy credit score will also determine the cost of one’s auto insurance. Possessing a good credit score will reduce the cost of auto insurance for the car owner.