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Plutus Award winner
Over 12 years writing about insurance and personal finance
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Licensed property and casualty insurance agent
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NPN: 20461358
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
The average cost of liability insurance in Pasadena is $122 per month. This basic coverage provides only the minimums needed to meet California car insurance requirements. Full-coverage auto insurance in Pasadena has an average monthly premium of $242. Typically, full coverage includes collision and comprehensive coverage on top of the liability coverage required by law.
Average rates for Pasadena car insurance are higher than the average cost of car insurance across California. On average, drivers in California pay $96 in monthly premiums for liability coverage and $200 monthly for full coverage.
Pasadena is part of Los Angeles County and sits just outside of L.A. Los Angeles County has the highest vehicle theft rates in the country, according to Insurify data, which affects rates in Pasadena, too.
But Pasadena, California, is a smaller city than L.A., with a population of just over 135,000, according to the U.S. Census Bureau. Its smaller size may explain why the average rates Pasadena drivers pay are lower than in nearby Glendale (population: 187,000) and Los Angeles (population: 3.8 million).
If you’re looking for affordable Pasadena car insurance that meets the minimum California car insurance requirements, USAA offers the lowest average rates for liability insurance.
As an at-fault state, California law requires you to pay for the other party’s damages if you cause an auto accident. That’s why you must carry state-minimum levels of property damage and bodily injury liability insurance to legally get behind the wheel in California.[1]
In the table below, you’ll find the most affordable car insurance companies in Pasadena for liability-only coverage.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $80 |
| Aspire General | $85 |
| GEICO | $86 |
| Sun Coast | $87 |
| Mercury | $90 |
| National General | $90 |
| Dairyland | $100 |
| Root | $106 |
| Direct Auto | $108 |
| Allstate | $111 |
| Farmers | $113 |
| Anchor | $117 |
| Bristol West | $123 |
| State Farm | $123 |
| Kemper Special | $128 |
| Travelers | $129 |
| 21st Century | $141 |
| Kemper Rsvp | $141 |
| First Acceptance | $189 |
| Chubb | $220 |
Liability quotes start at $80/mo.
If you want full coverage, Aspire General offers the most affordable car insurance in Pasadena, with an average rate of $149 per month.
This coverage includes collision and comprehensive coverage on top of basic liability insurance.
California requires drivers to carry minimum levels of property damage and bodily injury liability insurance, but Pasadena residents may want more protection than this basic coverage provides.
This part of the Golden State is vulnerable to wildfires, as well as earthquakes and flooding.[2] Add in the high crime rates in Los Angeles County, and full-coverage auto insurance may make the most financial sense.[3]
Compare other options for cheap full-coverage car insurance in Pasadena in the table below:
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $149 |
| Root | $165 |
| Mercury | $172 |
| GEICO | $173 |
| USAA | $177 |
| Kemper Special | $194 |
| Kemper Rsvp | $198 |
| Sun Coast | $205 |
| Anchor | $218 |
| Dairyland | $235 |
| National General | $239 |
| Allstate | $245 |
| Farmers | $252 |
| Bristol West | $262 |
| Direct Auto | $262 |
| State Farm | $272 |
| Travelers | $287 |
| 21st Century | $311 |
| First Acceptance | $417 |
| Chubb | $485 |
The average car insurance quotes in Pasadena are higher than what drivers pay elsewhere in California, but not as high as in some of the major cities. Nearby Los Angeles and Glendale have some of the highest car insurance quotes in the state, in part because of their population density and crime rates.
All three of these cities are vulnerable to annual natural disasters like wildfires, earthquakes, and flooding, which may make full-coverage insurance more important for drivers to carry. But this vulnerability may also mean comprehensive coverage premiums are more expensive.
Pasadena drivers do have a slightly shorter commute than drivers in Los Angeles, averaging 29 minutes behind the wheel on the way to work compared to 32 minutes in L.A., according to the U.S. Census Bureau. A shorter commute means fewer daily opportunities to get into a car accident, which may contribute to lower average rates.
The table below compares the average car insurance quotes in Pasadena with quotes from other cities around California.
City | Average Monthly Quote |
|---|---|
| Anaheim | $159 |
| Bakersfield | $128 |
| Berkeley | $151 |
| Chula Vista | $125 |
| Corona | $149 |
| Elk Grove | $139 |
| Fairfield | $136 |
| Fontana | $157 |
| Fremont | $133 |
| Fresno | $128 |
| Garden Grove | $157 |
| Glendale | $263 |
| Hayward | $148 |
| Lancaster | $174 |
| Long Beach | $168 |
| Los Angeles | $220 |
| Modesto | $139 |
| Moreno Valley | $146 |
| Oakland | $168 |
| Oceanside | $130 |
| Oxnard | $134 |
| Palmdale | $179 |
| Pasadena | $182 |
| Pomona | $165 |
| Rancho Cucamonga | $157 |
| Riverside | $146 |
| Roseville | $136 |
| Sacramento | $154 |
| San Bernardino | $155 |
| San Diego | $128 |
| San Francisco | $166 |
| San Jose | $133 |
| Santa Ana | $151 |
| Santa Barbara | $118 |
| Santa Maria | $111 |
| Santa Rosa | $125 |
| Simi Valley | $163 |
| Stockton | $142 |
| Temecula | $128 |
| Torrance | $165 |
| Vallejo | $147 |
| Victorville | $157 |
While Pasadena is a relatively smaller city of 135,000 residents, it’s located in Los Angeles County, which has the highest number of vehicle thefts in the nation. Los Angeles County vehicular crime rates, even if they’re mostly representative of car thefts in the city of Los Angeles, may have an effect on Pasadena car insurance rates.
In addition, Pasadena has a dedicated Complete Streets Coalition that’s working to make the city safer for cyclists and pedestrians. The group of volunteers organizes to hold Pasadena accountable for implementing a more comprehensive bicycling plan and cycling safety features for the city.
The coalition’s safety concerns and the city’s work to mitigate those concerns may also affect Pasadena car insurance compared to the average cost of car insurance in California.
Finally, more than 6% of Pasadena drivers have an accident on their record, which is higher than the state average and nearby Los Angeles, according to Insurify data. Orange Grove Boulevard is particularly accident-prone, according to Pasadena’s record of traffic collisions.[4]
*Quotes generated for Insurify users in and around Pasadena, California within the last 10 days. Last updated on August 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Pasadena, California within the last 10 days. Last updated on August 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving history is the single biggest factor affecting your premiums. Below, you’ll find the cheapest car insurance companies in Pasadena depending on your specific driving history:
Cheapest car insurance for Pasadena drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Pasadena: USAA
Cheapest car insurance for Pasadena drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Pasadena: USAA
If you get a speeding ticket in California, you’ll pay a base fine of as little as $35, but your citation will come with additional penalties that can increase the cost of your ticket to nearly $240.[5]
Unfortunately for the 2% of Pasadena drivers with a speeding ticket, the financial hit doesn’t end with the cost of the citation. Average rates for drivers with speeding tickets are higher than the premiums for people with clean driving records.
More than 6% of Pasadena drivers also have an at-fault accident in their driving history, according to Insurify data. This may also increase their monthly premiums, especially considering California is an at-fault state. With an at-fault car accident on your driving record, insurance companies will consider you a higher risk than a driver with a clean history.
One of the most serious traffic violations in California is driving under the influence (DUI), which comes with penalties like long-term license suspension, fees, and even jail time.[6] The 0.61% of Pasadena drivers with a DUI on their driving history may struggle to get basic coverage after the citation, and standard insurance companies may drop coverage for drivers after a DUI.
The Pasadena Police Department routinely conducts DUI checkpoints as a matter of public safety.[7]
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $182 |
| Speeding ticket | $231 |
| At-fault accident | $232 |
| DUI | $246 |
Pasadena is a small city, spanning less than 23 square miles. But the small size of this city doesn’t mean drivers don’t encounter their fair share of headaches on the road. Here are some things to be aware of when driving in Pasadena:
The Rose Parade: Every New Year’s Day at 8 a.m., Pasadena welcomes approximately 800,000 spectators for the annual Rose Parade, an iconic parade that travels 5.5 miles along Colorado Boulevard. This enormous annual influx of visitors is excellent for Pasadena tourism, but it puts a strain on local transportation and traffic and increases the likelihood of car accidents.
Cycling culture: Pasadena is home to a number of cyclists, and the city provides dedicated bike lanes and more than 1,000 bicycle racks for parking. This is excellent for both the environment and the health of Pasadenans, but drivers need to exercise caution while behind the wheel to make sure they’re paying attention to all cyclists on the road.
No overnight on-street parking: Unless otherwise posted, there’s no parking allowed on streets in Pasadena between 2 a.m. and 6 a.m. This could potentially make visiting the city difficult if you’re not staying somewhere with a dedicated parking spot.
Despite its small geographical footprint and modest population, Pasadena drivers have an average commute time of 29 minutes, according to the U.S. Census Bureau, which is about the same as most Californians. This average may be skewed by the fact that more than 27% of Pasadena commuters drive to Los Angeles every day for work.[8]
The most direct route between Pasadena and L.A. is the 110, also known as the historic Arroyo Seco Parkway. It was one of the first divided-lane, high-speed parkways in the western United States and was built before modern engineering standards and safety features, according to the National Park Service.
That means Pasadena drivers may experience more traffic congestion and traffic accidents on the 110 than on more recently built freeways.
Pasadena teens pay an average of$328 per month for car insurance. Teen drivers pay the highest premiums of any age group because of their inexperience behind the wheel.
California teenagers may apply for a learner’s permit at age 15 and a half and a driver’s license at age 16.[9]
Check out the cheapest teen car insurance in Pasadena in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $146 |
| Aspire General | $153 |
| GEICO | $154 |
| Sun Coast | $157 |
| Root | $159 |
| Mercury | $163 |
| Dairyland | $173 |
| National General | $178 |
| Direct Auto | $209 |
| Bristol West | $216 |
| Allstate | $217 |
| Anchor | $222 |
| Farmers | $224 |
| Kemper Special | $230 |
| State Farm | $236 |
| 21st Century | $251 |
| Kemper Rsvp | $254 |
| Travelers | $265 |
| First Acceptance | $340 |
| Chubb | $449 |
Monthly rates start at $146 for Pasadena teen drivers
Senior drivers pay the lowest average rates of any age group because of their experience on the road. That’s good news for the 17% of Pasadena’s population who are 65 and older, but it’s always good to look for the cheapest premiums you can find.[10]
USAA offers the cheapest car insurance quotes in Pasadena for senior drivers, with an average liability rate of $67 per month.
Here are the cheapest liability rates for senior drivers in Pasadena.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $67 |
| GEICO | $70 |
| National General | $73 |
| Mercury | $73 |
| Aspire General | $77 |
| Sun Coast | $79 |
| Dairyland | $87 |
| Direct Auto | $91 |
| Farmers | $92 |
| Allstate | $93 |
| Anchor | $97 |
| State Farm | $99 |
| Root | $100 |
| Bristol West | $105 |
| Travelers | $106 |
| 21st Century | $114 |
| Kemper Special | $116 |
| Kemper Rsvp | $128 |
| Chubb | $171 |
| First Acceptance | $172 |
If you need affordable car insurance in Pasadena, the answers to the following common questions can help you find what you need, whether you’re looking for basic liability insurance or full-coverage insurance.
In Pasadena, California, drivers pay average rates of $122 per month for liability insurance and $242 per month for full-coverage insurance. But these are average rates, and your car insurance quote may be higher or lower, depending on your driving history, deductible, car insurance discounts, age, and other factors.
USAA, Aspire General, and GEICO are the cheapest companies in Pasadena, according to Insurify data. But the best car insurance company for you may be different, which is why it’s so important to compare auto insurance quotes from multiple insurers.
A number of issues may affect your monthly premiums in Pasadena, including the annual tourism to the city for the Rose Parade and Rose Bowl, which increases the traffic on the street, the Los Angeles County crime rates, which include a very high rate of vehicle theft, and the city’s vulnerability to wildfires, earthquakes, and floods. Personal factors like your driving history, ZIP code, vehicle make and model, deductible, and coverage level also affect your rates.
First, comparing multiple quotes is the easiest way to save. Bundling your auto insurance with home insurance or renters insurance can save you money on both policies. Asking about other car insurance discounts can help you save money, and keeping your driving history clean is the best way to make sure your monthly premiums stay low.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Plutus Award winner
Over 12 years writing about insurance and personal finance
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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