Compare Sugar Land, TX Car Insurance Rates (2022)

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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 22, 2022

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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.

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Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sugar Land, Texas

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.

Minimum Required Car Insurance Coverage in Sugar Land, Texas

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.

Annual Car Insurance Rates by Credit Score in Sugar Land, Texas

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.

Annual Sugar Land, Texas Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Sugar Land, Texas

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.

Annual Car Insurance Rates for Senior Drivers in Sugar Land, Texas

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.

Annual Car Insurance Rates After a DUI in Sugar Land, Texas

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.

Annual Car Insurance Rates by Commute Length in Sugar Land, Texas

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.

Annual Car Insurance Rates by ZIP Code in Sugar Land, Texas

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.

Average Annual Car Insurance Rates by Company in Sugar Land, Texas

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.

Best Annual Car Insurance Rates by Company in Sugar Land, Texas

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.

Annual Car Insurance Rates by Coverage Level in Sugar Land, Texas

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.

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