Compare Sugar Land, TX Car Insurance Rates [2024]
Car insurance in Sugar Land, TX averages $354 a month. Sugar Land, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Sugar Land car insurance rates, compare quotes from the top car insurance companies in Sugar Land, TX.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Sugar Land is USAA
- The cheapest car insurance company in Sugar Land for teen drivers is USAA
- Average car insurance rates in Sugar Land, TX are $4,249/year
If you need to buy Sugar Land, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Sugar Land, TX is right here.
You’ll find Sugar Land car insurance rates, the cheapest Sugar Land, TX car insurance companies, and information on Texas car insurance laws. You can also compare Sugar Land, Texas car insurance rates to Fort Worth car insurance rates, Corpus Christi car insurance rates, and El Paso car insurance rates.
Ready to find affordable Sugar Land, TX car insurance today? Enter your ZIP code for fast, free Sugar Land car insurance quotes.
Cheapest Sugar Land, TX Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Sugar Land, TX car insurance rates? Every Sugar Land, Texas car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,564 | $3,588 | $3,516 | $3,516 | $9,514 | $11,465 | $4,403 | $4,576 |
| American Family | $3,126 | $3,527 | $3,026 | $3,512 | $9,178 | $11,926 | $4,670 | $5,329 |
| Geico | $2,716 | $2,968 | $2,655 | $3,086 | $6,174 | $6,335 | $2,953 | $2,906 |
| Nationwide | $2,545 | $2,581 | $2,247 | $2,374 | $7,406 | $9,493 | $3,010 | $3,254 |
| Progressive | $2,608 | $2,472 | $2,328 | $2,367 | $11,257 | $12,578 | $3,100 | $3,151 |
| State Farm | $2,140 | $2,140 | $1,912 | $1,912 | $5,260 | $6,723 | $2,336 | $2,401 |
| USAA | $1,745 | $1,745 | $1,676 | $1,652 | $5,038 | $5,450 | $2,327 | $2,470 |
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Minimum Car Insurance in Sugar Land, TX
Every driver must carry the minimum car insurance in Sugar Land, TX. Take a look at the Texas car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Sugar Land, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Sugar Land, TX. Compare credit history car insurance rates in Sugar Land from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,007 | $5,141 | $4,406 |
| American Family | $7,467 | $4,889 | $4,254 |
| Geico | $5,764 | $3,250 | $2,158 |
| Nationwide | $4,929 | $3,968 | $3,444 |
| Progressive | $5,592 | $4,852 | $4,503 |
| State Farm | $4,394 | $2,736 | $2,180 |
| USAA | $4,036 | $2,354 | $1,899 |
Cheapest Sugar Land, TX Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Sugar Land, TX to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,255 | $6,635 | $6,925 | $4,255 |
| American Family | $5,009 | $6,480 | $5,650 | $5,009 |
| Geico | $3,155 | $4,215 | $3,459 | $4,068 |
| Nationwide | $3,566 | $3,566 | $5,292 | $4,030 |
| Progressive | $4,338 | $5,640 | $5,068 | $4,884 |
| State Farm | $2,742 | $3,165 | $3,764 | $2,742 |
| USAA | $2,047 | $3,045 | $3,609 | $2,351 |
Cheapest Sugar Land, TX Car Insurance for Teen Drivers
Teen car insurance in Sugar Land, TX can be expensive. Take a look at rates from the top car insurance companies in Sugar Land for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,514 | $11,465 |
| American Family | $9,178 | $11,926 |
| Geico | $6,174 | $6,335 |
| Nationwide | $7,406 | $9,493 |
| Progressive | $11,257 | $12,578 |
| State Farm | $5,260 | $6,723 |
| USAA | $5,038 | $5,450 |
Cheapest Sugar Land, TX Car Insurance for Seniors
Take a look at Sugar Land, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,516 | $3,516 |
| American Family | $3,026 | $3,512 |
| Geico | $2,655 | $3,086 |
| Nationwide | $2,247 | $2,374 |
| Progressive | $2,328 | $2,367 |
| State Farm | $1,912 | $1,912 |
| USAA | $1,676 | $1,652 |
Cheapest Sugar Land, TX Car Insurance Rates After a DUI
A DUI in Sugar Land, TX increases car insurance rates. Compare Sugar Land, Texas DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,925 |
| American Family | $5,650 |
| Geico | $3,459 |
| Nationwide | $5,292 |
| Progressive | $5,068 |
| State Farm | $3,764 |
| USAA | $3,609 |
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Cheapest Sugar Land, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Sugar Land, TX by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,380 | $5,656 |
| American Family | $5,537 | $5,537 |
| Geico | $3,655 | $3,794 |
| Nationwide | $4,114 | $4,114 |
| Progressive | $4,982 | $4,982 |
| State Farm | $3,103 | $3,103 |
| USAA | $2,728 | $2,798 |
Cheapest Sugar Land, TX Car Insurance Rates by ZIP Code
Sugar Land car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Sugar Land, TX.
| ZIP Code | Average Annual Rates |
|---|---|
| 77478 | $6,383 |
| 77479 | $6,431 |
The Best Cheap Car Insurance Companies in Sugar Land, TX
Take a look at a side-by-side comparison of the top car insurance companies in Sugar Land, TX to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,518 |
| American Family | $5,537 |
| Geico | $3,724 |
| Nationwide | $4,114 |
| Progressive | $4,983 |
| State Farm | $3,103 |
| USAA | $2,763 |
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Category Winners: Cheapest Car Insurance in Sugar Land, Texas
Find the cheapest car insurance companies in Sugar Land, TX for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
Cheapest Sugar Land, TX Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Sugar Land car insurance rates. Find the cheapest Sugar Land, TX car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,391 | $5,470 | $5,692 |
| American Family | $5,087 | $5,285 | $6,238 |
| Geico | $3,479 | $3,664 | $4,030 |
| Nationwide | $4,419 | $3,940 | $3,982 |
| Progressive | $4,757 | $4,961 | $5,230 |
| State Farm | $2,927 | $3,095 | $3,288 |
| USAA | $2,657 | $2,750 | $2,882 |
What affects car insurance rates in Sugar Land, Texas?
What factors can have an impact on Sugar Land, TX car insurance? There are several reasons why Sugar Land car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Sugar Land, Texas.
Car Theft in Sugar Land
High levels of vehicle theft can make car insurance more expensive. Sugar Land, TX car theft statistics from the FBI indicate 63 vehicle thefts a year.
Commute Time in Sugar Land
The more time you spend in your car the higher the risk of an accident. The average commute length in Sugar Land, TX is 31.2 minutes according to City-Data.
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Compare Car Insurance Quotes in Sugar Land, TX
Ready to find affordable Sugar Land, Texas car insurance today? Enter your ZIP code for fast, free Sugar Land, TX car insurance quotes.
Frequently Asked Questions
How do age, gender, and marital status affect car insurance rates in Sugar Land, TX?
Age, gender, and marital status can influence car insurance rates differently among insurers. It’s important to compare rates from multiple companies to understand the impact of these factors on your premiums.
What are the minimum car insurance requirements in Sugar Land, TX?
Every driver in Sugar Land, TX is required to carry the minimum car insurance coverage, which is 30/60/25. This means $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, and $25,000 property damage liability.
How does credit score affect car insurance rates in Sugar Land, TX?
Your credit score can impact car insurance costs in Sugar Land, TX. Insurance companies may offer different rates based on credit history, so comparing quotes from top companies can help you find the best rates for your credit score range.
How does driving record affect car insurance rates in Sugar Land, TX?
Your driving record plays a significant role in determining car insurance rates. Insurance companies may offer higher rates for drivers with a history of accidents or violations. Comparing rates for drivers with clean records and those with a bad driving record can help you find affordable options.
How can teen drivers find affordable car insurance in Sugar Land, TX?
Teen car insurance in Sugar Land, TX can be expensive. However, comparing rates from top car insurance companies and exploring discounts specifically designed for young drivers can help teens and their families find more affordable options.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.