Cheapest and Best Car Insurance Companies in Sugar Land, TX

The Texas Farm Bureau Group offers the most competitive car insurance rates for minimum coverage in Sugar Land. State Farm provides the cheapest full coverage policies and the lowest rates for military-affiliated drivers and drivers with speeding tickets and at-fault accidents. Mercury is the most budget-friendly option for drivers after a DUI, while Nationwide is the least expensive insurer for teenage drivers.

The Texas Farm Bureau Group is the best overall and best cheap car insurance company, while Chubb offers the best customer service.

The most affordable auto insurance companies for a minimum coverage policy in Sugar Land, TX, are:

• Texas Farm Bureau Group: $348 per year
• State Farm: $370 per year

Dairyland has the city’s most expensive minimum coverage with an annual rate of $1,141. In contrast, State Farm is the cheapest car insurance provider in Texas at an average of $300 per year as of October 2022, making Sugar Land a bit pricier than other parts of Texas.

The mandated minimum insurance coverage in Texas must include protection for bodily injury and personal property damage. The state sets the liability limits as follows:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

If you are in an at-fault accident, your insurance company will cover medical costs up to $30,000 per person and up to $60,000 per incident. You are responsible for any costs over $60,000.

The cheapest auto insurance providers for a full coverage policy in Sugarland are:

• State Farm: $715 per year
• Texas Farm Bureau Group: $735 per year

Dairyland offers the most costly full-coverage car insurance, with an annual rate of $2,059. As of October 2022, State Farm is Texas' most budget-friendly full-coverage car insurance provider, with an average state rate of $711 per year, slightly lower than in Sugar Land.

Full coverage policies include comprehensive and collision insurance.

• Collision Insurance: Covers damage to your vehicle caused by a collision with another car or object.
• Comprehensive Insurance: Covers damage to your vehicle caused by events other than a collision, such as theft, fire, weather or falling objects.

Full coverage policies are beneficial for new car owners. Those with older vehicles, however, may end up paying more for insurance than the car is worth.

MoneyGeek data shows that drivers in Sugar Land with an at-fault accident, speeding ticket or DUI on their record will find the most affordable auto insurance from the following providers.

• Speeding ticket: State Farm ($715 per year)
• At-fault accident: State Farm ($893 per year)
• DUI: Mercury ($1,284 per year)

Car insurance premiums can increase substantially after an infraction, so even the lowest rates will cost more. Dairyland is the priciest policy for those with speeding tickets ($2,532), while Foremost has the most expensive plan after an at-fault accident ($4,098) and Chubb has the highest rate after a DUI ($2,741).

Be prepared for your premiums to rise depending on the severity of your driving violation. For instance, drivers in Sugar Land will pay $257 more after a speeding ticket and $625 more after a DUI. However, it is still possible to find affordable car insurance if you have a poor driving history.

These insurers offer the cheapest premiums for a 16-year-old teen on their family policy.

• Nationwide: $1,734 per year for female teens; $1,977 per year for male teens
• State Farm: $1,828 per year for female teens; $2,211 per year for male teens

Allstate is the most expensive option for teen drivers at $6,303 for female teens and $7,418 for male teens. Usually, car insurance costs more for male teens than female teens, as boys are considered riskier to insure. The difference in price between carriers can be minimal ($246 per year with Nationwide) or substantial ($1,135 per year with Allstate). The difference drops in early adulthood.

Adding a teen to an existing policy is an excellent way to save money, as teen auto insurance prices are significantly higher if they purchase a policy independently. For example, an individual policy for a teen in Sugar Land costs $3,267 more than adding him to a family policy.

The most affordable auto insurance companies for military personnel and their families in Sugar Land are:

• State farm: $715 per year
• Texas Farm Bureau Group: $735 per year

USAA is also a great option for military members and their families and is the fifth most affordable insurer, with an annual rate of $951. Texas Farm Bureau Group is the cheapest for a minimum coverage policy at an average of $348 per year.

Getting car insurance quotes in Sugar Land, TX, can be time-consuming, taking 15 minutes or more per company as they require you to input a lot of personal information. MoneyGeek’s car insurance calculator provides quick ballpark estimates using just your age, vehicle type, coverage level and driving record.

The best car insurance for you will depend on your needs and preferences regarding customer service, cost and coverage. MoneyGeek found that the top auto insurance companies in Sugar Land, TX, based on these factors, are:

• Best overall: Texas Farm Bureau Group (MoneyGeek score 80 out of 100)
• Best for service: Chubb (MoneyGeek score 76 out of 100)
• Best cheap: Texas Farm Bureau Group (MoneyGeek score 81 out of 100)

A company’s MoneyGeek rating can differ depending on how we weigh the criteria for each category. Texas Farm Bureau Group combines affordability and quality service and is Texas' best auto insurer. USAA has a MoneyGeek rating of 79 out of 100 and is the best option for military personnel.

The overall best car insurance companies in Sugar Land are:

• Texas Farm Bureau Group: MoneyGeek score 80 out of 100 ($735 per year)
• State Farm: MoneyGeek score 76 out of 100 ($715 per year)

The Texas Farm Bureau Group surpassed 11 other companies in terms of affordability, customer service and claims processing. USAA is the best choice for those in the military. It has a MoneyGeek score of 79 out of 100, and yearly premiums average $951.

Without considering cost, the top companies for customer service in Sugar Land are:

• Chubb: MoneyGeek score 76 out of 100 ($1,399 per year)
• Foremost: MoneyGeek score 67 out of 100 ($1,759 per year)

Chubb stands out in terms of customer satisfaction and claims processing. Although it offers excellent service compared to other insurers, Chubb’s premiums are substantially higher than many of its competitors.

Based on MoneyGeek analysis of affordability and service quality for policies that meet Texas' minimum coverage requirements, the best companies in Sugar Land are:

• Texas Farm Bureau Group: MoneyGeek score 81 out of 100 ($348 per year)
• State Farm: MoneyGeek score 77 out of 100 ($370 per year)

Although minimum liability coverage policies are affordable, they only provide limited protection. These policies do not cover damage to your vehicle in an accident for which you are at fault.

The average car insurance cost in Sugar Land is $1,242 per year, $41 more than the state average of $1,201 and $23 less than the national average of $1,265 as of October 2022. These costs are for policies with bodily injury liability of $100,000 per person, bodily injury liability of $300,000 per accident and property damage liability of $100,000 per accident.

Compared to other places in the U.S., Texas' average car insurance rate is lower, yet the rates in a densely populated area like Sugar Land are higher than in the rest of the state. Location is one of many factors that affect car insurance premiums.