policy in Pearland, TX costs about $149 per month while state minimum insurance averages about $56 monthly. This hovers around the average cost of insurance in

Texas

, but working with an insurance broker is the best way to ensure you get the best coverage at the best price.

How much does car insurance cost in Texas?

Since 2021 thousands of Texas drivers have turned to

Jerry

for help finding cheap car insurance—here’s what we’ve learned:

Texas drivers pay an average of $1,563 per year or $130 per month for full coverage. A liability-only policy averages about $635 per year and $53 per month.

Pearland auto insurance costs about the same as the statewide average—$1,783 annually or $149 monthly for full coverage and $666 per year or about $56 per month for liability coverage.

Minimum insurance is rarely enough

Texas’s

minimum car insurance requirements

are just that—minimal. They may cover the costs if you cause a minor accident, but if you’re at fault in a serious collision, or your car is damaged or totaled in a severe weather event, you’ll be on the hook for the added expenses.

PRO TIP: Full coverage insurance is especially valuable in areas prone to tornadoes and other severe weather events—particularly
comprehensive coverage
, which will pay to repair or replace your vehicle if it’s damaged due to a natural disaster.

Learn more:

Texas car insurance laws: How much coverage do I need?

The best auto insurance companies in Pearland

Because of the highly individualized nature of

car insurance quotes

, it’s not possible to point to one “perfect fit” for all drivers. But that doesn’t mean we can’t come close.

Learn more:

Best car insurance companies in Texas

Why is car insurance so expensive in Pearland?

Luckily, the old saying, “everything is bigger in Texas,” doesn’t necessarily apply to car insurance premiums. Instead, drivers in the Lone Star State usually pay less than the

national average

for their coverage.

But that doesn’t mean they’ve escaped the trend of rising insurance prices—here are a few reasons why:

High speed limits: Texas speed limits are the highest in the nation with rural interstate limits set as high as 85 mph. Crashes at higher speeds can cause more serious damages and injuries, which means higher claim payouts that providers offset with higher rates.1

Natural disasters: Texas has the dubious honor of being ranked first in the nation for frequency and variety of natural disasters.2 This means a higher number of comprehensive claims for weather damage, and increased claims lead to increased rates.

High population density and heavy traffic: As of October 2023, a census study by the

Greater Houston Partnership

puts the Metro Houston population at approximately 7.3 million and approximately 80% of that population chooses to commute alone in their cars every day.3 Heavy traffic means lots of chances to get into an accident—which leads to increased insurance premiums.

How to find cheap car insurance quotes in Pearland, TX

To find cheap car insurance quotes, you need to compare quotes from multiple providers—and the easiest way to do this is with the Jerry app.

1. Enter your information in the Jerry app

The first thing you’ll do is build a profile that Jerry’s insurance partners can use to generate quotes. You’ll need to provide some basic information like your name and address, plus some specifics, like your vehicle identification number (VIN), credit score, and driving history. The more accurate the information you provide, the more accurate your quotes will be.

2. Compare coverage levels and pricing

Once your profile is complete, you’ll receive a list of quotes from carriers in your area.

Your list will include insurance options for everything from bare-minimum coverage to robust full-coverage policies with added optional insurance products like rental reimbursement and roadside assistance.

3. Select the quote you like best

Tap “Confirm your rate” to select the quote that best meets your insurance needs and we’ll finalize your rate with the provider you’ve selected.

4. Make your first payment to activate coverage

You’ll receive a notification in the app once your price is confirmed. Then, all you have to do is enter your payment info to purchase your coverage—no need to leave the app. Most Jerry partners offer same-day coverage so you could even have your digital insurance card within one to three hours.

“I recently started with Statefarm after being with Geico for 7 years. Geico raised my rates out of nowhere after having the same rate for 7 years and so I had to look elsewhere. I had two friends with Statefarm who had cheap rates & never had any issues. They also told me of how awesome their Agents were. So i went ahead and looked and for all of the same coverage I had with Geico, was half the price at Statefarm! I immediately switched and my assigned agent reached out first thing the next morning to walk everything through with me. He was awesome and helped me get everything setup quickly and easily. I’m so excited for my years to come with Statefarm!” —Carleigh, Pearland, TX

How to save on car insurance in Pearland

Using an independent insurance agency or broker is a great place to start when it comes to shopping for car insurance, but there’s still more you can do. To make sure you get the lowest possible price, here are some additional tricks:

Bundle your policies: Homeowners and renters can save money by

bundling auto and home

insurance or renters insurance with their auto insurance coverage. Jerry can compare bundled quotes and help you find other multi-policy discounts right in the app.

Take advantage of discounts: Insurers offer a variety of car insurance discounts, from maintaining a clean driving record to signing up for autopay. Check with your insurance company to see if there are any discounts you qualify for that you’re not already getting.

Raise your deductible: The higher the deductibles on your collision and comprehensive insurance, the less you’ll pay for your policy. Most insurance companies will allow you to set your

car insurance deductible

as high as $1,000, but be sure to choose a deductible you can afford to pay if you need to file a claim.

Improve your driving: Avoiding tickets, DUIs, and accidents to maintain a clean driving history is a great way to keep your insurance costs low. If you have the Jerry app on your phone, you can get a free safe driving score and tips to improve your driving record!

Improve your credit score: Texas is one of many states that allow insurers to use your credit score when calculating your insurance premiums. Drivers with bad credit will usually see higher rates than those with good credit.

Reshop often: Even if you find a great rate on your car insurance, you should still shop around each time your policy renews. If you buy with the Jerry app, you can turn on the reshopping feature and you’ll be automatically notified before renewal if another insurer can offer you a better price.

Methodology

All premium data in this article comes from real car insurance quotes obtained through the Jerry app and analyzed by our editorial team. Jerry’s data scientists analyzed over 25 million real quotes issued to users in Jerry’s proprietary database. Jerry is partnered with 55+ insurance companies in 48 states.

Unless otherwise stated, all data represents the average of the lowest quoted price for a currently insured single driver with a single vehicle.

Minimum coverage refers to policies with the following coverage limits:

$30,000

bodily injury liability

per person

$60,000 bodily injury liability per accident

$25,000

property damage liability

Full coverage refers to policies that contain at least the minimum liability required by law in Texas along with comprehensive and collision insurance with deductibles of either $500 or $1,000.

FAQs

Who is the cheapest car insurance in Texas?

No one car insurance company offers the cheapest rate for every driver. The primary reason is that every customer gets different car insurance quotes based on their profile—so the most affordable company differs for everyone.

How much does car insurance cost in Texas per month?

Texas drivers pay an average of $1,563 per year or $130 per month for full coverage. A liability-only policy averages about $635 per year or $53 per month.

How much is car insurance in Pearland Texas?

Pearland car insurance costs about the same as the statewide average—$1,783 annually or $149 monthly for full coverage and $666 per year or about $56 per month for liability insurance coverage.

What are some car insurance companies in Pearland, TX?

Pearland drivers have dozens of car insurance companies to choose from, but some of the most popular include Progressive, Travelers, Nationwide, Safeco, and State Auto.

What is the average car insurance cost in Houston, Texas?

Drivers in Houston pay more than the statewide average—$1,851 annually or $154 monthly for full coverage and $780 per year or about $65 per month for liability insurance coverage.

What is the average cost of car insurance?

As of December 2023, a full coverage car insurance policy costs drivers an average of $1,790 per year.

How can I lower my car insurance in Texas?

A few things you can do to

lower your Texas car insurance rates

include taking advantage of discounts, adjusting your policy deductibles, and reshopping your policy at each renewal.

Does credit score affect car insurance?

In most states, including Texas, your credit score influences your car insurance rates. If you live in Hawaii, Massachusetts, California, or Michigan, your credit score cannot be taken into account when calculating your car insurance premiums.

Sources

https://www.iihs.org/topics/speed/speed-limit-laws

https://nisar.jpl.nasa.gov/documents/7/NISAR_Applications_Hazards_Texas.pdf

https://static.tti.tamu.edu/tti.tamu.edu/documents/mobility-report-2021.pdf

Meet our experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.