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Auto Insurance Pearland Tx

If you have an older car, your best option might be to buy liability-only insurance or the state minimum to get the cheapest rates. Otherwise, you might end up paying more in premiums than your car is worth.

auto insurance pearland tx

While the minimum car insurance in Texas is the cheapest insurance you can buy in Pearland, it also offers the least protection. It only includes 30/60/25 limits along with $2,500 in personal injury protection.

Going for this cheaper option may help you save on your monthly bill, but it could cause you to pay more should an accident occur. For example, if you are at fault for $75,000 in medical bills after an accident and you only have $60,000 in bodily injury liability insurance per accident, then you would have to pay $15,000 out of pocket.

The average annual cost of car insurance in Pearland is $1,287, which is lower than both the state and national average annual rates. Drivers in Pearland enjoy insurance rates that are 2.2% cheaper than the average annual cost of car insurance in Texas and 9.6% below the national average.

MoneyGeek identified the best car insurance companies in Pearland based on average rates, customer satisfaction and claims ratings. Our analysis found that the top car insurance companies in Pearland are:

USAA, which is only available to drivers with a military background, was not included in this analysis. It received a MoneyGeek score of 94 out of 100, making it the second-best auto insurance company in Pearland.

State Farm ranks first for affordability in Pearland, at an average cost of $824 per year. It also ranks high for user satisfaction and claims. This provider offers optional coverages like rideshare insurance.

Rideshare insurance extends the policy of your coverage to ensure you are protected while working with a rideshare app. You can purchase this coverage as an add-on, so you will need to pay more for your insurer to include it.

Farmers scores highly in affordability, claims and user satisfaction, making it one of the top car insurance companies in Pearland. A Farmers policy costs an average of $835 per year and comes with unique add-on options like custom parts coverage.

Your ZIP code also has a bearing on how much your premium costs in Texas. This is because insurance providers typically factor in the number of uninsured drivers, accidents and incidents of car theft in the area to evaluate how risky it is to cover you.

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Pearland. How Pearland ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

We value your privacy. We may collect personal information from you such as identifying information (name, address, driver's license number), transactional information (products or services purchased and payment history), digital network activity (interactions with our website, IP address), geo-location data, audio recordings and other forms of personal information. We use this information for business, marketing and commercial purposes, including but not limited to, providing the products and services you request, processing your claims, protecting against fraud, maintaining security, confirming your identity and offering you other insurance and financial products.

Please remember that the preceding descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverage options may vary by state. To learn more about auto insurance coverage in your state, find a State Farm agent.

No, Texas is an at-fault state that gives you the option of buying no-fault coverage. If you purchase personal injury protection (PIP), and are involved in an accident, you and your passengers will have medical expenses paid for immediately, regardless of who is at fault for the accident or if you have health insurance.

Conversely, when compared to the national average, the cost for auto insurance in Pearland is lower. It's around $11 less to insure your vehicle compared to the average rate for the United States as a whole.

Although these are the average rates for auto insurance in Pearland, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

The longer you've been on the road, the more experienced of a driver you are. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.

In general, female drivers pay less for car insurance than their male counterparts. In Pearland, this difference shakes out to about $8 per month. Looking at the table above, you can see that female drivers pay around $65 on average, while male drivers typically pay $73 each month.

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Pearland, a driving record with one accident will usually get you a rate around $80 a month. Similarly, drivers with one ticket will typically pay around $86 on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Generally, people who are married will pay slightly less for insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

Your housing status is another component of how insurance companies calculate your monthly rate. In Pearland, homeowners can expect to pay around $10 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Car insurance companies will take into account a number of factors when they're choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Pearland in no time.

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like to compare multiple quotes at once.

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like to compare quotes from dozens of companies side-by-side.

2023 All rights reserved. is a registered trademark. Insurance Agency, LLC is a Virginia domiciled licensed insurance agency in 51 US jurisdictions. Licensing information may be found above. does business in California as Comparedotcom Insurance Agency, LLC (License: 0I22535). Admiral Group plc. is a majority member of

Amtex Auto Insurance has offered auto coverage in the Houston Area for over 20 years now. We specialize in auto insurance, renters insurance, and even Mexico Insurance for your travel and all-around coverage needs.

As your local Farmers Insurance and Financial Services* agent in Pearland, TX, I help customers like you identify the insurance coverage and financial strategies that best fit your needs and financial goals.

This process is straightforward & personalized to help make you smarter about insurance and investing. My staff & I have the knowledge & experience to help you better understand your coverage options--whether that's auto/motorcycle, home/renters, windstorm, flood, RVs, life, investing, business insurance & more. We are extremely proud to have been nominated by our clients to win the 5 Star Home/Auto Insurance Professional Award for the 10th year in a row!

Comprehensive coverage? Collision coverage? Deductibles? Medical Payments? Where to begin? Your local Farmers agent can take the mystery out of selecting the right Car insurance coverage for your needs and budget. Get started with an online Auto insurance quote and learn about our insurance discounts that can help you save money. 041b061a72


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