Car Insurance in Pasadena, California
Estimated full coverage in Pasadena runs about $1,620 a year ($135/month) — ▲ +4% versus the California average, ranking 41st most expensive of the 77 California cities we cover.
Why car insurance in Pasadena costs more than the California average
Insurers price by territory, and Pasadena's numbers explain most of the gap. With 137,195 residents on 23.0 square miles, the city's density (5,975 people per square mile) is 2.6 times the density where the typical California resident lives (2,278). The average commute is 26.9 minutes (California: 28.7), and 56% of workers drive alone. Together these put our location factor at 1.04× the state baseline for liability and collision, and 1.07× for comprehensive once FEMA weather risk for Los Angeles County is included.
| Factor | Pasadena | California ref. | Why it matters |
|---|---|---|---|
| Population density | 5,975 / sq mi | 2,278 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 26.9 min | 28.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 10.2% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 55.5% | — | Share of workers commuting by car. |
| Public transit to work | 3.8% | — | Transit use lowers how much residents drive. |
| Work from home | 27.6% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 9.4% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 76.0 | 64.0 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Pasadena
Rates can change from one ZIP code to the next. Across 7 Pasadena ZIP codes, our full-coverage estimate ranges from $1,525 in 91125 to $1,680 in 91104. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 91104 | 35,937 | 9,530 | 28.7 min | 7.1% | $1,680 | +4% |
| 91107 | 32,316 | 3,821 | 27.9 min | 5.0% | $1,595 | −2% |
| 91103 | 25,142 | 5,479 | 27.3 min | 10.2% | $1,615 | 0% |
| 91106 | 23,910 | 8,800 | 26.2 min | 8.9% | $1,640 | +1% |
| 91101 | 21,165 | 16,665 | 23.9 min | 15.1% | $1,665 | +3% |
| 91105 | 12,531 | 2,986 | 24.9 min | 7.9% | $1,540 | −5% |
| 91125 | 1,000 | 5,650 | 20.1 min | 18.6% | $1,525 | −6% |
Minimum car insurance in Pasadena
Pasadena drivers follow California's rules: at least 30/60/15 liability coverage. California is at-fault (tort). We estimate state-minimum coverage in Pasadena at $595 a year, and $830 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $15,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — California does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured motorist bodily injury and property damage coverage; declining it requires a signed waiver. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is offered with uninsured motorist coverage and can be waived in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Income-eligible good drivers can meet the law through the California Low Cost Automobile Insurance Program at lower limits of 10/20/3.
Minimums were raised recently from 15/30/5.
Risk factors that shape Pasadena premiums
Accidents
California recorded 3,876 traffic deaths, or 1.19 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
California's vehicle theft rate is 317 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Los Angeles County as relatively moderate for hail, very high for inland flooding and relatively moderate for strong wind.
Traffic & commuting
10.2% of Pasadena commuters spend an hour or more getting to work, and there are 1.61 vehicles per household. 27.6% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 93.0 | Comprehensive (car); roof claims (home) | |
| Tornado | 97.7 | Comprehensive; dwelling | |
| Hurricane | 0.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 100.0 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 90.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 75.2 | Comprehensive; dwelling | |
| Winter weather | 74.8 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Pasadena by driver profile
A clean-record driver in their 50s pays the least in our Pasadena model (about $1,490 for full coverage); an 18-year-old on their own policy pays about $4,450, and a DUI pushes a 30-something to $2,995.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,635 | $2,280 | $4,450 | $371 |
| Young adult (22) | $950 | $1,325 | $2,590 | $216 |
| Adult in their 30s | $595 | $830 | $1,620 | $135 |
| Adult in their 50s | $545 | $760 | $1,490 | $124 |
| Senior (72) | $665 | $930 | $1,815 | $151 |
| 30s, one at-fault accident | $860 | $1,200 | $2,345 | $195 |
| 30s, DUI on record | $1,100 | $1,535 | $2,995 | $250 |
Minimum vs. standard vs. full coverage in Pasadena
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $595 | $50 | $485–$700 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $830 | $69 | $680–$975 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,620 | $135 | $1,325–$1,910 |
Estimate your premium in Pasadena
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Cheap car insurance in Pasadena: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Pasadena's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $110 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $115 | You're among the 27.6% of Pasadena workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $435 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $790 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $355 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Pasadena
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 31 offices listed below.
- Check complaint records with the California Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Pasadena, our estimates differ by up to $155 a year between neighborhoods.
Car insurance agents near Pasadena, CA
We found 31 insurance offices within about 4 miles of central Pasadena, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Matthew Marsh - Allstate
596 N Lake Ave, Ste 205, Pasadena, CA 91101 -
Freeway Insurance
1253 N Lake Ave, Pasadena, CA 91104 -
Wilbert Smith - Allstate
1390 N Lake Ave, Pasadena, CA 91104 -
Sergio Joaquin Gomez - Farmers Insurance
232 N Lake Ave, Pasadena, CA 91101 -
AAA Insurance
801 East Union Street, Pasadena, CA -
Calico Insurance Services
936 East Green Street, #100, Pasadena, CA 91106 -
Knarik Avakian - Farmers Insurance
30 S Wilson Ave, Pasadena, CA 91106 -
Matthew Lambert Richards - Farmers Insurance
260 S Los Robles Ave, Pasadena, CA 91101 -
Erick David Alanis-Lopez - Farmers Insurance
1737 E Washington Blvd, Pasadena, CA 91104 -
Zeno Insurance Agency, Inc.
296 N Allen Ave, Ste 2, Pasadena, CA 91106 -
Maricela Viramontes - Farmers Insurance
2235 Lake Ave, Altadena, CA 91001 -
Dealer Express Insurance Agency
1965 E Foothill Blvd, Ste A, Pasadena, CA 91107 -
Matthew John Dropulic - Farmers Insurance
28 N Oak Ave, Pasadena, CA 91107 -
Armen Bubushyan - State Farm
181 E. Glenarm St., Unit # 108, Pasadena, CA 91105 -
Meg Zeinali - Allstate
625 Fair Oaks Ave, Ste 180, South Pasadena, CA 91030 -
Shahe Jemelian - Allstate
2956 E Colorado Blvd, Ste 100, Pasadena, CA 91107 -
Ann Luu - Farmers Insurance
2627 Mission St, San Marino, CA 91108 -
Naji Tohme - Farmers Insurance
36 S Kinneloa Ave, Pasadena, CA 91107 -
Raman Ahluwalia - Farmers Insurance
36 S Kinneloa, Pasadena, CA 91107 -
BD Insurance Solutions
1427 San Marino Avenue, #11, San Marino, CA 91108 -
Derek Tsu - State Farm
1427 San Marino Avenue, Ste B, San Marino, CA 91108 -
Brown Ho Insurance
2115 Huntington Drive, San Marino, CA 91108 -
Todd Dieu Ma - Farmers Insurance
3249 E Foothill Blvd, Pasadena, CA 91107 -
Jim Krause - State Farm
650 Sierra Madre Villa Ave, Suite 103, Pasadena, CA 91107 -
State Farm
CA -
Jeffrey Scott Owen - Farmers Insurance
2540 Huntington Dr, San Marino, CA 91108 -
Allyson Weber - State Farm
1063 Colorado Blvd, Los Angeles, CA 90041 -
Tracy Cuiying Zhang - Allstate
1012 Huntington Dr, San Marino, CA 91108 -
Mouamen Tawil - Farmers Insurance
729 Mission St, South Pasadena, CA 91030 -
David Morales - State Farm
711 Mission St, Ste A, South Pasadena, CA 91030 -
Jonette Phillips - State Farm
3452 E. Foothill Blvd, Suite 320, Pasadena, CA 91107
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Pasadena
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,205 | −26% |
| Subaru Outback | Wagon | $1,190 | −27% |
| Tesla Model 3 | Midsize car | $1,760 | +9% |
| Subaru Forester | Small SUV | $1,165 | −28% |
| Honda Civic | Compact car | $1,870 | +15% |
| Toyota Corolla | Compact car | $1,735 | +7% |
| Jeep Wrangler | Midsize SUV | $1,335 | −18% |
| Mazda CX-5 | Small SUV | $1,375 | −15% |
| MINI Cooper | Subcompact car | $1,230 | −24% |
| Tesla Model Y | Midsize SUV | $1,580 | −2% |
Car insurance in nearby California cities
- Glendale $1,625/yr · 6 mi
- El Monte $1,685/yr · 9 mi
- Burbank $1,605/yr · 11 mi
- West Covina $1,720/yr · 15 mi
- Downey $1,715/yr · 15 mi
- Los Angeles $1,705/yr · 18 mi
- Inglewood $1,730/yr · 18 mi
- Fullerton $1,675/yr · 22 mi
- Pomona $1,700/yr · 23 mi
- Anaheim $1,635/yr · 26 mi
- Torrance $1,630/yr · 26 mi
- Long Beach $1,700/yr · 26 mi
All California cities and state rules · Homeowners insurance in Pasadena
Frequently asked questions
How much is car insurance in Pasadena, CA?
We estimate full coverage in Pasadena at about $1,620 a year ($135 a month) for a driver in their 30s with a clean record, and about $595 for California's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Pasadena more expensive than the California average?
Our Pasadena estimate is 4% higher than the statewide figure. The model reflects a population density of 5,975 people per square mile (the typical California resident lives at about 2,278) and an average commute of 26.9 minutes versus 28.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Pasadena?
Drivers in Pasadena follow California law: at least 30/60/15 liability coverage.
Which ZIP code in Pasadena has the cheapest car insurance?
Among Pasadena's 7 ZIP codes, 91125 has the lowest estimate (about $1,525 a year for full coverage) and 91104 the highest (about $1,680), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Pasadena?
An 18-year-old with their own full-coverage policy would pay around $4,450 a year in Pasadena by our estimate ($1,635 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Pasadena?
Yes. FEMA's National Risk Index rates Los Angeles County for inland (river) flooding (very high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Pasadena?
We list 31 insurance offices in and around Pasadena, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- California DMV: Auto Insurance Requirements
- California Department of Insurance: Automobile Insurance guide
- California DMV: Financial Responsibility (Insurance)
- California Department of Insurance: Compare Insurance Premiums
- California Department of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Pasadena and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places