Compare the Cheapest Car Insurance Quotes in Sugar Land

The average cost of car insurance in Sugar Land is $1,328 per year, which is higher than the state average. MoneyGeek analyzed the cheapest providers based on coverage amount and driver’s profile. Farmers offers the cheapest car insurance at an average annual cost of $842. MoneyGeek also researched the best companies in Sugar Land that balance affordability and service quality.

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Last Updated: 5/16/2022
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Farmers is the cheapest overall provider in Sugar Land. For a state minimum, Farmers charges the cheapest annual premium, but State Farm is the cheapest for drivers with a speeding violation.

Military families could find USAA to be the best option.

MoneyGeek Also rated the best insurer balancing cost and customer service and found that GEICO is the top option.

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The Cheapest and Best Car Insurance in Sugar Land

The Cheapest Car Insurance Companies in Sugar Land

On average, the most affordable options for drivers looking for a full coverage policy in Sugar Land are:

  • Farmers: $842 per year
  • State Farm: $861 per year

Farmers is approximately 243% less expensive than the city’s most expensive car insurance company, The General. A full-coverage policy includes liability, comprehensive and collision insurance, plus any optional coverages. As a result, your prices may change depending on how much liability insurance you select.

Cheapest Car Insurance in Sugar Land
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Farmers
    $842
  • 2.
    State Farm
    $861
  • 3.
    USAA
    $888
  • 4.
    GEICO
    $973
  • 5.
    AAA
    $1,137
  • 6.
    Allstate
    $1,150
  • 7.
    Esurance
    $1,165
  • 8.
    Nationwide
    $1,319
  • 9.
    Mercury
    $1,430
  • 10.
    MetLife
    $1,508
  • 11.
    The General
    $2,890

MoneyGeek’s analysis is based on collected average rates for a 40-year-old male driver in Sugar Land with a full coverage policy, in accordance with our methodology.

A full coverage policy is more expensive than a liability-only coverage or a policy that only meets the state’s minimum requirements because it includes comprehensive and collision insurance. Having these provides more financial protection to the policyholder in the event of an accident.

  • Comprehensive Insurance: Covers the repair or replacement of your vehicle if it gets damaged due to a non-accident incident.
  • Collision Insurance: Helps cover the repair or replacement of your vehicle if it gets damaged in an accident in an at-fault accident.

If you have an older car, your best option might be to buy liability-only insurance or the state minimum to get the cheapest rates. This way, you won’t pay more for your insurance than your car is worth.

Compare Car Insurance Rates in Sugar Land

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Sugar Land for Minimum Coverage

State minimum policies offer the cheapest car insurance rates because they don’t include comprehensive and collision coverages.

On average, the most affordable options for drivers in Sugar Land are:

  • Farmers: $453 per year
  • State Farm: $476 per year

If you have a military background or are part of a military family, you could be eligible for USAA, which is the second cheapest car insurance company. It costs roughly $443 per year.

Farmers is $978 cheaper on average than the city’s most expensive car insurance company, The General. Although minimum coverage is generally the cheapest option, it may not cover all of your expenses after an accident.

To see how costs change depending on liability coverage, toggle the table below.

Cheapest Minimum Liability Car Insurance in Sugar Land
State Minimum

While the minimum car insurance in Texas is the cheapest insurance you can buy in Sugar Land, it also offers the least protection. It only includes 30/60/25 liability limits and $2,500 for personal injury protection.

Cheaper coverage may help you save on your monthly bill, but it might cause you to pay more should an accident occur. For example, if you are at fault for $75,000 in medical bills after an accident and you only have $60,000 in bodily injury liability insurance per accident, then you would have to pay $15,000 out of pocket.

Texas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Sugar Land if You Have Driving Violations

A violation can increase your premiums. On average, the top providers in Sugar Land with the cheapest rates for drivers with violations are:

  • Cheapest after a ticket: State Farm at $861 per year
  • Cheapest after an at-fault accident: State Farm at $1,045 per year
  • Cheapest after a DUI: Esurance at $1,165 per year

Someone with a poor driving history can improve their records over time and get cheaper insurance. In the meantime, it makes sense to shop around and find out which company offers the best deal.

Cheapest Car Insurance in Sugar Land With a Violation
Speeding Ticket

Average Cost of Car Insurance in Sugar Land

Sugar Land$1,328
Texas$1,316
U.S.$1,424

The average annual cost of car insurance in Sugar Land is $1,328, which is higher than the state average annual premium rate but cheaper than the national average. Drivers in Sugar Land pay .9% more than the average annual cost of car insurance in Texas and 6.7% less than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Sugar Land

Providers rely on several factors when determining your car insurance quotes, such as the driver’s age and gender, the make and model of the vehicle, insurance coverage level and ZIP code.

Make sure you shop around and compare quotes from multiple providers because this is the best way to see which insurer charges the most affordable premiums. We also recommend that you regularly ask for a personalized quote as your circumstances change.

Compare Car Insurance Rates in Sugar Land

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Sugar Land

MoneyGeek ranked the best insurance companies in Sugar Land if you want to strike a balance between affordability and service quality.

Our analysis revealed that the best insurers are:

  • GEICO: MoneyGeek score of 85 out of 100
  • State Farm: MoneyGeek score of 85 out of 100

USAA received the highest ratings and is the best choice for military personnel and their families.

We calculated these scores based on several data points, including J.D. Power user satisfaction, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Auto Club of Southern California Insurance Group
Score:85

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Allstate
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Your ZIP code also has a bearing on how much your premium costs in Texas. This is because insurance providers typically factor in the number of uninsured drivers, accidents and incidents of car theft in the area to evaluate how risky it is to cover you.

However, in Sugar Land, differences in average premiums based on ZIP code are not significant. The lowest rates are given to drivers from ZIP code 77479. They could pay $7 less than someone from ZIP code 77498, who might pay the most expensive premiums in the city.

  • Zip Code
    State Minimumper year
  • 77479
    $1,324
  • 77498
    $1,331

Factors That Impact Insurance Costs in Sugar Land

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Sugar Land. How Sugar Land ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities287th/300
handcuffs2 icon
Most Car Thefts188th/300
uninsured icon
Most Uninsured Motorists by State16th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall28th/300
umbrella icon
Most Rainy Days150th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Sugar Land are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.