Best Cheap Auto Insurance in Sugar Land, TX (2021)

The average Sugar Land, TX auto insurance rates are $354 per month. The minimum auto insurance in Sugar Land is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Sugar Land, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Sugar Land, Texas is 30/60/25
  • The cheapest auto insurance company in Sugar Land is USAA
  • The average commute length in Sugar Land is 31.2 minutes

Sugar Land, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Sugar Land can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Sugar Land, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Sugar Land to other Texas cities, including Austin auto insurance rates, Plano auto insurance rates, and Dallas auto insurance rates to see how Sugar Land, Texas auto insurance rates stack up.

Before you buy Sugar Land, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Sugar Land, Texas auto insurance quotes.

Minimum Auto Insurance in Sugar Land, Texas

Sugar Land, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Sugar Land, Texas.

Minimum Required Auto 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

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Cheap Sugar Land, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Sugar Land, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Sugar Land, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Sugar Land, Texas is a challenge. Take a look at the annual teen auto insurance rates in Sugar Land, Texas.

Annual Auto 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

Cheap Sugar Land, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Sugar Land, Texas? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Sugar Land, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Sugar Land, Texas compared to the annual auto insurance rates with a clean record in Sugar Land, Texas.

Annual Sugar Land, Texas Auto 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

Cheap Sugar Land, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Sugar Land, Texas is not easy. Compare the annual rates for DUI auto insurance in Sugar Land, Texas to find the best deal.

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

Insurance Company Annual Auto 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

Cheap Sugar Land, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Sugar Land, Texas annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Sugar Land, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Sugar Land, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Sugar Land, Texas to see how car insurance rates are affected by location.

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

ZIP Code Average Annual Rates
77478 $6,383
77479 $6,431

Cheap Sugar Land, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Sugar Land, Texas auto insurance. Find the cheapest annual Sugar Land, Texas auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Sugar Land, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Sugar Land, Texas? Check out the comparison of annual Sugar Land, Texas auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Sugar Land, Texas

Compare the cheapest auto insurance companies in Sugar Land, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Sugar Land, Texas Auto Insurance Companies

What auto insurance companies in Sugar Land, Texas are the cheapest? Compare the top Sugar Land, Texas auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Sugar Land, Texas?

There are a lot of reasons why auto insurance rates in Sugar Land, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Sugar Land, Texas. Many local factors may affect your Sugar Land auto insurance rates.

Sugar Land Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Sugar Land, Texas auto theft statistics, there have been 63 auto thefts in the city.

Sugar Land Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sugar Land, Texas commute length is 31.2 minutes according to City-Data.

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Compare Sugar Land, Texas Auto Insurance Quotes

Before you buy Sugar Land, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Sugar Land, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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