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Cheap Auto Insurance Quotes in Sugar Land, TX, for September 2022

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Jennifer Pendell

By: Jennifer Pendell

Edited by Danny Smith

Updated September 15, 2022

Quick Facts

  • The average cost of car insurance in Sugar Land is $275 per month or $3,300 annually.

  • Car insurance in Sugar Land is $5 more than the average cost of insurance in Texas.

  • The cheapest car insurance provider in Sugar Land on average is Progressive.

Car Insurance in Sugar Land, TX

Shopping for auto insurance coverage in a huge market like Texas can be difficult. Car insurance companies charge different rates for very similar insurance products, underscoring the importance of comparing quotes when it comes to insurance services. Insurify analyzed the cost of an auto policy in Sugar Land to help you find the best rates.

Quotes by Top Companies

Progressive
$133
Travelers
$208
State Auto
$212
Nationwide
$266
Liberty Mutual
$278

See More:

Cheap Car Insurance Texas

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Cheapest Car Insurance in Sugar Land, TX

What is the cheapest car insurance in Sugar Land?

Progressive is the cheapest car insurance provider on average in Sugar Land, with rates starting at $133 per month. It’s still important to compare car insurance rates since everyone’s insurance needs are unique.

The cost of a car insurance policy varies a lot between companies. That’s because every insurance company places a different weight on factors that affect your premiums, even when the policies are very similar to one another. The following companies offered the best rates we could find.

Insurance CompanyAverage Monthly Quote
Progressive$133
Travelers$208
State Auto$212
Nationwide$266
Liberty Mutual$278
Acuity$138
Mile Auto$143
Clearcover$162
Apparent$169
Elephant$181
Safeco$188
Kemper Preferred$190
SafeAuto$204
AssuranceAmerica$225
Mercury$226
Midvale Home & Auto$245
Bristol West$262
Commonwealth Casualty$266
Dairyland$281
GAINSCO$283
Kemper$302
Alinsco$318
Kemper Specialty$320
Aspen$330
Texas Ranger$339
Aggressive$343
Freedom National$354
Jupiter$363
Quantum$365
The General$370
Hallmark$371
Pronto$422
Infinity$426
Stillwater$467
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Minimum Car Insurance Requirements in Texas

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas[1] are:

  • $30,000 per person for bodily injury

  • $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Sugar Land Car Insurance Rates by Driving and Accident History

Your driving record and accident history greatly impact the cost of your liability coverage[2]. People with a clean driving history are much cheaper to insure than someone who has been convicted of a moving violation recently. These car insurance quotes represent what you can expect to pay based on whether you have car accidents or other violations on your record.

Driver HistoryAverage Monthly Cost
Clean Record$258
Speeding Ticket$346
At-Fault Accident$377
DUI$513
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More:

High-Risk Car Insurance Texas

DUI Car Insurance Texas

Sugar Land Car Insurance Rates by Credit Tier

Credit scores can have a significant impact on the cost of car insurance[3]. People with excellent credit are cheaper to insure because they’re thought to be more responsible drivers. These average costs show what policyholders with excellent, good, average, and poor credit can expect to pay for car insurance.

Credit TierAverage Monthly Cost
Excellent$213
Good$252
Average$277
Poor$429
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Get the Cheapest Car Insurance in Sugar Land

Sugar Land drivers can find affordable car insurance without the annoyance of talking to insurance agents and bouncing around from insurance agency to insurance agency. It doesn’t matter if you want comprehensive and collision coverage or something that just meets Texas’s minimum requirements—online research is the place to start.

Compare quotes online with Insurify’s easy-to-use comparison tool. In just a few minutes, you can see side by side what different companies are charging for car insurance. Discounts are another great way to land cheap car insurance. Drivers should seriously consider bundling their auto insurance with renters insurance or homeowners insurance.

Frequently Asked Questions

  • Comparing car insurance quotes online is the best way to save money. Insurify makes it easy with an online comparison tool that saves time. Other things you can do include accepting higher deductibles or forgoing collision and comprehensive coverage in favor of a policy that just meets minimum requirements, though that means you’ll have to pay more after an accident.

  • We found Sugar Land policies as cheap as $133 a month from Progressive. However, remember that this is only an average. You could pay more or less, depending on the various factors that affect the cost of car insurance, including your ZIP code, age, and gender.

  • One factor is Sugar Land’s location. It’s part of a large metroplex, which means lots of traffic and uninsured motorists. Other factors are affecting the cost of car insurance nationwide, including higher costs for healthcare and auto repairs—two things car insurance companies have to pay for after a customer is involved in an accident.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Jennifer Pendell
Jennifer Pendell

Insurance Writer

Jennifer Pendell is a personal finance expert. She specializes in breaking down dense subjects to make them easier for consumers to understand, with a particular interest in homeowners, renters, and auto insurance concepts. She studied at the University of Iowa.

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Sources

  1. Texas Department of Insurance. "Automobile insurance guide." Accessed July 29, 2022
  2. Texas Department of Insurance. "Automobile insurance guide." Accessed July 29, 2022
  3. Texas Department of Insurance. "How your credit score can affect your insurance rates." Accessed July 29, 2022