Cheap Car Insurance in Pearland, Texas ( With 2024 Rates)

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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.

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.

Company	Annual premium (50/100/50)	Market share	Complaints
Geico	$350	6.00% ($1,151,485,019)	1
Farmers	$385	7.98% ($1,530,613,603)	2
State Farm	$390	16.03% ($3,074,590,659)	119
Allstate	$495	7.38% ($1,416,050,038)	4
Liberty Mutual	$550	4.36% ($836,938,040)	64
Progressive	$660	8.75% ($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.

Zip	Avg. Premium
77581	$573
77584	$572

Insurance Agents in Pearland, TX and Near by

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GlobalGreen - First Tier Insurance Agency

2404 S Grand Blvd Ste 115, Pearland, TX 77581

(281) 485-0833

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H Lee Raney

4208 Broadway St, Pearland, TX 77581

(281) 485-9994

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Wm 'Burney' Wood

2405 Grand Blvd Ste B, Pearland, TX 77581

(281) 485-9663

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Jo Laird Insurance Agency

2245 N Main St Ste 3, Pearland, TX 77581

(281) 485-2232

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E Craig Slater

6606 Broadway St Ste 101, Pearland, TX 77581

(281) 997-7575

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Texan Proud Insurance

3536 Broadway St Ste 104, Pearland, TX 77581

(281) 485-7347

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Ai United Insurance

2002 N Main St Ste 107, Pearland, TX 77581

(281) 412-9696

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Vern Insurance Group

3311 Broadway St, Pearland, TX 77581

(281) 922-1616

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Sally Mercer

5001 Broadway St Ste A, Pearland, TX 77581

(281) 485-2471

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Christopher Bello

3302 E Walnut St, Pearland, TX 77581

(281) 241-4524

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Darrel Heidrich

5101 Broadway St, Pearland, TX 77581

(281) 997-8717

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Glen Moreau

5402 Broadway St Ste 118, Pearland, TX 77581

(281) 485-5558

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Craig Darby

2528 Westminister St, Pearland, TX 77581

(281) 485-1477

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Kenny Black

5740 Broadway St Ste 106, Pearland, TX 77581

(281) 412-4774

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Judith Wiggins

1853 Pearland Pkwy Ste 121, Pearland, TX 77581

(281) 484-4716

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John E. Miller

2705 Broadway St Ste 127, Pearland, TX 77581

(281) 997-9706

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Jerry Holt

2640 Broadway St Ste 112, Pearland, TX 77581

(281) 412-2647

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Victory Insurance

2618 Broadway St, Pearland, TX 77581

(281) 485-7500

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AMAC Insurance Center

6200 Broadway St Ste 114, Pearland, TX 77581

(281) 997-7555

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Gary McGuire

6302 Broadway St Ste 205, Pearland, TX 77581

(713) 539-2409

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Kevin Childers

6302 Broadway St Ste 205, Pearland, TX 77581

(281) 997-0008

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Ed Thompson

2205 Broadway St, Pearland, TX 77581

(281) 485-3373

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Rick Tinker

2206 E Broadway St Ste E2, Pearland, TX 77581

(281) 484-7158

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Daniel Haydock

2004 Broadway St Ste 114b, Pearland, TX 77581

(281) 485-0759

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TWFG Insurance Services - Byron Stephens

2004 Broadway St Ste 111, Pearland, TX 77581

(281) 485-7471

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Clarke & Company

1807 Oak Hollow Dr W, Pearland, TX 77581

(713) 622-4471

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Patrick Casey

1807 Broadway St Ste 110, Pearland, TX 77581

(832) 336-2024

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Joe Cook & Associates

7902 Broadway St Ste 106, Pearland, TX 77581

(281) 997-2662

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Linda Darnell

7930 Broadway St Ste 104, Pearland, TX 77581

(281) 485-9311

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Coady & Lewis Associates

7924 Broadway St Ste 108, Pearland, TX 77581

(281) 956-1080

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Tomorrow Orsak

7930 Broadway St Ste 104, Pearland, TX 77581

(832) 754-6233

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Adam Saadi

9639 Scarsdale Blvd Ste 101, Pearland, TX 77581

(281) 481-4183

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Texan's First Agency

1506 Broadway St Ste 101, Pearland, TX 77581

(281) 369-4500

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4.53 mi

Jeremy Hooter

8809 Broadway St Ste C, Pearland, TX 77584

(281) 485-8383

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4.53 mi

Texas Farm Bureau Insurance

9215 Broadway St Ste 111, Pearland, TX 77584

(281) 412-3115

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4.53 mi

Todd Bellview

9330 Broadway St Ste 300, Pearland, TX 77584

(281) 412-5902

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4.53 mi

Bert Simmons

9330 Broadway St Ste 426, Pearland, TX 77584

(281) 485-5572

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4.53 mi

AJ Insurance Group

2225 County Road 90 Ste 201i, Pearland, TX 77584

(281) 412-6690

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4.53 mi

Gibraltar Insurance Services

2251 County Road 94 Ste 101, Pearland, TX 77584

(832) 607-1081

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4.53 mi

Kyle Angelle

1990 Country Place Pkwy, Pearland, TX 77584

(713) 436-8558

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4.53 mi

The Harris Agency

1930 Country Place Pkwy, Pearland, TX 77584

(281) 454-7744

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4.53 mi

Shawn Lawson

1930 Cntry Place Pkwy Ste 108, Pearland, TX 77584

(832) 483-7885

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4.53 mi

Texas Insured Agency

2200 Business Center Dr Apt 4110, Pearland, TX 77584

(713) 208-0037

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4.53 mi

Leorlin Savwoir Boyd

11041 Shadow Creek Pkwy Ste 115, Pearland, TX 77584

(832) 300-3130

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4.53 mi

Goosehead Insurance - Brian Williams

11200 Broadway St Ste 2743, Pearland, TX 77584

(281) 881-7667

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4.53 mi

John Leblanc

11711 Shadow Creek Pkwy Ste 125, Pearland, TX 77584

(713) 436-4707

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4.53 mi

Lejo Abraham

12004 Shadow Creek Pkwy Ste 116, Pearland, TX 77584

(713) 303-1054

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4.53 mi

Melissa Wilson

12004 Shadow Creek Pkwy Ste 116, Pearland, TX 77584

(281) 619-8109

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4.53 mi

M&J Insurance Advisors

12234 Shadow Creek Pkwy Ste 1108, Pearland, TX 77584

(281) 372-6063

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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 registered	24,527,939
Total uninsured motorists	14.1%
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.

Cheap Car Insurance in Pearland, Texas (With 2024 Rates)