Cheapest and Best Car Insurance Companies in Sugar Land, TX


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Updated: May 20, 2024

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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.

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2024

Cheapest and Best Car Insurance in Sugar Land, TX

Why Trust MoneyGeek? We collected data from the Texas Department of Insurance and Quadrant Information Services to evaluate car insurance companies in Sugar Land.

328,384Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Liability Car Insurance in Sugar Land

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Texas Farm BureauAnnual Premium$348Monthly Premium$29
State FarmAnnual Premium$370Monthly Premium$31
AllstateAnnual Premium$403Monthly Premium$34
MercuryAnnual Premium$446Monthly Premium$37
AAA TexasAnnual Premium$577Monthly Premium$48
NationwideAnnual Premium$616Monthly Premium$51
GEICOAnnual Premium$636Monthly Premium$53
ProgressiveAnnual Premium$656Monthly Premium$55

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.

Cheapest Full Coverage Car Insurance in Sugar Land

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$715Monthly Premium$60
Texas Farm BureauAnnual Premium$735Monthly Premium$61
AllstateAnnual Premium$860Monthly Premium$72
MercuryAnnual Premium$929Monthly Premium$77
GEICOAnnual Premium$1,095Monthly Premium$91
AAA TexasAnnual Premium$1,115Monthly Premium$93
NationwideAnnual Premium$1,181Monthly Premium$98
ChubbAnnual Premium$1,399Monthly Premium$117

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.

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Cheapest Car Insurance in Sugar Land After a Driving Offense

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).

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$715Monthly Premium$60
Texas Farm BureauAnnual Premium$735Monthly Premium$61
AllstateAnnual Premium$860Monthly Premium$72
GEICOAnnual Premium$1,276Monthly Premium$106
MercuryAnnual Premium$1,350Monthly Premium$112
NationwideAnnual Premium$1,381Monthly Premium$115
AAA TexasAnnual Premium$1,470Monthly Premium$123
ChubbAnnual Premium$1,512Monthly Premium$126

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.

Cheapest Car Insurance in Sugar Land for Teens and Their Families

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,734Individual Plan Monthly Premium$7,225
State FarmFamily Plan Annual Premium$1,828Individual Plan Monthly Premium$8,588
GEICOFamily Plan Annual Premium$2,622Individual Plan Monthly Premium$8,590
ProgressiveFamily Plan Annual Premium$3,998Individual Plan Monthly Premium$18,828
ForemostFamily Plan Annual Premium$4,197Individual Plan Monthly Premium$17,805
AllstateFamily Plan Annual Premium$6,303Individual Plan Monthly Premium$11,769

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.

Cheapest Car Insurance in Sugar Land for Military Drivers

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$715Monthly Premium$60
Texas Farm BureauAnnual Premium$735Monthly Premium$61
AllstateAnnual Premium$860Monthly Premium$72
MercuryAnnual Premium$929Monthly Premium$77
USAAAnnual Premium$951Monthly Premium$79
GEICOAnnual Premium$1,095Monthly Premium$91
AAA TexasAnnual Premium$1,115Monthly Premium$93
NationwideAnnual Premium$1,181Monthly Premium$98

How to Compare Cheap Sugar Land Car Insurance Quotes Online

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.

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MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Jul 22, 2024

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Best Car Insurance in Sugar Land: Summary

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.

Best Overall Car Insurance in Sugar Land

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.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

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Excellent satisfaction score

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High affordability score

cons

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Lacks rare coverages like original equipment manufacturer

COMPANY HIGHLIGHTS

Texas Farm Bureau has the best auto insurance in Sugar Land for balancing affordability and providing great customer service. Even though it doesn't have a wide selection of coverages, the ones it offers are useful for most drivers.

For example, the company’s roadside assistance coverage is accessible 24/7 and covers mechanical and electrical issues and other problems that don't stem from a collision. This optional coverage gives you peace of mind when you’re on the road.
It includes services like towing, flat tire repair, fuel delivery and locksmith assistance. The annual cost for this add-on is $9 per year.

If your car is in the shop due to a covered incident, the rental car/travel reimbursement coverage pays for car rental expenses up to your chosen limit and for meals and lodging if you are away from home.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in Sugar Land for Customer Service

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.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Best for customer satisfaction

checkmark

Offers rare coverages like OEM (original equipment manufacturer) coverage

checkmark

Ranks #1 for claims management

cons

close

Limited add-on coverage options

COMPANY HIGHLIGHTS

In Sugar Land, Chubb stands out for its excellent customer service and fast claim processing. It ranks number one for claims management and third for customer satisfaction. In addition to these benefits, the provider offers unique coverages like OEM and Agreed Value.

OEM coverage pays for using original parts and procedures to repair your vehicle after a covered incident, which ensures your vehicle's safety systems continue to work properly. Agreed Value coverage is a type of diminished value coverage where you agree to a certain value for your car when you purchase the insurance. In case of a covered loss, Chubb will issue you a check for the agreed-upon amount. This add-on can save you thousands of dollars if your car is totaled.

Best Cheap Car Insurance in Sugar Land

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.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

checkmark

High affordability score

checkmark

Extensive discounts options

cons

close

Limited coverage

COMPANY HIGHLIGHTS

The Texas Farm Bureau Group strikes a balance between affordability and quality service, resulting in a top score for this category. The company provides multiple discounts to suit a range of drivers. For example, young people with excellent grades can take advantage of the good student discount.

Those under 25 who complete an approved driver education course are eligible for a driver education discount. Additionally, the company offers discounts to customers who bundle auto insurance with home or renters insurance and who install anti-theft systems in their vehicles.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Average Cost of Car Insurance in Sugar Land

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.