Cheap Car Insurance in Pearland, Texas (With 2021 Rates)

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Home » Car insurance » Texas » Cheap Car Insurance Pearland

Lowest Premium

$383 / YEAR

Average Premium

$572 / YEAR

Highest Premium

$782 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Pearland is around $572 and can go upto $782. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

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Car Insurance Rates in Pearland by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Pearland. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium
77581$573
77584$572

Insurance Agents in Pearland, TX and Near by

  • 0 mi
    GlobalGreen - First Tier Insurance Agency
    2404 S Grand Blvd Ste 115, Pearland, TX 77581
    (281) 485-0833
  • 0 mi
    H Lee Raney
    4208 Broadway St, Pearland, TX 77581
    (281) 485-9994
  • 0 mi
    Wm 'Burney' Wood
    2405 Grand Blvd Ste B, Pearland, TX 77581
    (281) 485-9663
  • 0 mi
    Jo Laird Insurance Agency
    2245 N Main St Ste 3, Pearland, TX 77581
    (281) 485-2232
  • 0 mi
    E Craig Slater
    6606 Broadway St Ste 101, Pearland, TX 77581
    (281) 997-7575
  • 0 mi
    Texan Proud Insurance
    3536 Broadway St Ste 104, Pearland, TX 77581
    (281) 485-7347
  • 0 mi
    Ai United Insurance
    2002 N Main St Ste 107, Pearland, TX 77581
    (281) 412-9696
  • 0 mi
    Vern Insurance Group
    3311 Broadway St, Pearland, TX 77581
    (281) 922-1616
  • 0 mi
    Sally Mercer
    5001 Broadway St Ste A, Pearland, TX 77581
    (281) 485-2471
  • 0 mi
    Christopher Bello
    3302 E Walnut St, Pearland, TX 77581
    (281) 241-4524
  • 0 mi
    Darrel Heidrich
    5101 Broadway St, Pearland, TX 77581
    (281) 997-8717
  • 0 mi
    Glen Moreau
    5402 Broadway St Ste 118, Pearland, TX 77581
    (281) 485-5558
  • 0 mi
    Craig Darby
    2528 Westminister St, Pearland, TX 77581
    (281) 485-1477
  • 0 mi
    Kenny Black
    5740 Broadway St Ste 106, Pearland, TX 77581
    (281) 412-4774
  • 0 mi
    Judith Wiggins
    1853 Pearland Pkwy Ste 121, Pearland, TX 77581
    (281) 484-4716
  • 0 mi
    John E. Miller
    2705 Broadway St Ste 127, Pearland, TX 77581
    (281) 997-9706
  • 0 mi
    Jerry Holt
    2640 Broadway St Ste 112, Pearland, TX 77581
    (281) 412-2647
  • 0 mi
    Victory Insurance
    2618 Broadway St, Pearland, TX 77581
    (281) 485-7500
  • 0 mi
    AMAC Insurance Center
    6200 Broadway St Ste 114, Pearland, TX 77581
    (281) 997-7555
  • 0 mi
    Gary McGuire
    6302 Broadway St Ste 205, Pearland, TX 77581
    (713) 539-2409
  • 0 mi
    Kevin Childers
    6302 Broadway St Ste 205, Pearland, TX 77581
    (281) 997-0008
  • 0 mi
    Ed Thompson
    2205 Broadway St, Pearland, TX 77581
    (281) 485-3373
  • 0 mi
    Rick Tinker
    2206 E Broadway St Ste E2, Pearland, TX 77581
    (281) 484-7158
  • 0 mi
    Daniel Haydock
    2004 Broadway St Ste 114b, Pearland, TX 77581
    (281) 485-0759
  • 0 mi
    TWFG Insurance Services - Byron Stephens
    2004 Broadway St Ste 111, Pearland, TX 77581
    (281) 485-7471
  • 0 mi
    Clarke & Company
    1807 Oak Hollow Dr W, Pearland, TX 77581
    (713) 622-4471
  • 0 mi
    Patrick Casey
    1807 Broadway St Ste 110, Pearland, TX 77581
    (832) 336-2024
  • 0 mi
    Joe Cook & Associates
    7902 Broadway St Ste 106, Pearland, TX 77581
    (281) 997-2662
  • 0 mi
    Linda Darnell
    7930 Broadway St Ste 104, Pearland, TX 77581
    (281) 485-9311
  • 0 mi
    Coady & Lewis Associates
    7924 Broadway St Ste 108, Pearland, TX 77581
    (281) 956-1080
  • 0 mi
    Tomorrow Orsak
    7930 Broadway St Ste 104, Pearland, TX 77581
    (832) 754-6233
  • 0 mi
    Adam Saadi
    9639 Scarsdale Blvd Ste 101, Pearland, TX 77581
    (281) 481-4183
  • 0 mi
    Texan's First Agency
    1506 Broadway St Ste 101, Pearland, TX 77581
    (281) 369-4500
  • 4.53 mi
    Jeremy Hooter
    8809 Broadway St Ste C, Pearland, TX 77584
    (281) 485-8383
  • 4.53 mi
    Texas Farm Bureau Insurance
    9215 Broadway St Ste 111, Pearland, TX 77584
    (281) 412-3115
  • 4.53 mi
    Todd Bellview
    9330 Broadway St Ste 300, Pearland, TX 77584
    (281) 412-5902
  • 4.53 mi
    Bert Simmons
    9330 Broadway St Ste 426, Pearland, TX 77584
    (281) 485-5572
  • 4.53 mi
    AJ Insurance Group
    2225 County Road 90 Ste 201i, Pearland, TX 77584
    (281) 412-6690
  • 4.53 mi
    Gibraltar Insurance Services
    2251 County Road 94 Ste 101, Pearland, TX 77584
    (832) 607-1081
  • 4.53 mi
    Kyle Angelle
    1990 Country Place Pkwy, Pearland, TX 77584
    (713) 436-8558
  • 4.53 mi
    The Harris Agency
    1930 Country Place Pkwy, Pearland, TX 77584
    (281) 454-7744
  • 4.53 mi
    Shawn Lawson
    1930 Cntry Place Pkwy Ste 108, Pearland, TX 77584
    (832) 483-7885
  • 4.53 mi
    Texas Insured Agency
    2200 Business Center Dr Apt 4110, Pearland, TX 77584
    (713) 208-0037
  • 4.53 mi
    Leorlin Savwoir Boyd
    11041 Shadow Creek Pkwy Ste 115, Pearland, TX 77584
    (832) 300-3130
  • 4.53 mi
    Goosehead Insurance - Brian Williams
    11200 Broadway St Ste 2743, Pearland, TX 77584
    (281) 881-7667
  • 4.53 mi
    John Leblanc
    11711 Shadow Creek Pkwy Ste 125, Pearland, TX 77584
    (713) 436-4707
  • 4.53 mi
    Lejo Abraham
    12004 Shadow Creek Pkwy Ste 116, Pearland, TX 77584
    (713) 303-1054
  • 4.53 mi
    Melissa Wilson
    12004 Shadow Creek Pkwy Ste 116, Pearland, TX 77584
    (281) 619-8109
  • 4.53 mi
    M&J Insurance Advisors
    12234 Shadow Creek Pkwy Ste 1108, Pearland, TX 77584
    (281) 372-6063
View all agents ↓

Learn More About Car Insurance in Pearland, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered24,527,939
Total uninsured motorists14.1%
Estimated economic loss of all vehicle crashes$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

  • Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
  • Collision covers for the expenses on your car caused by accident.
  • Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
  • Medical payments cover your's and your passenger's medical bills
  • Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
  • Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
  • Towing and labor covers for the pay for towing your car and labor cost.
  • Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.