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Home » Car insurance » Texas » Cheap Car Insurance Sugar Land

Cheap Car Insurance in Sugar Land

Lowest Premium

$451 / YEAR

Average Premium

$580 / YEAR

Highest Premium

$931 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Sugar Land is around $580 and can go upto $931. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
GEICO$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

Get Cheap Car Insurance Quotes in Your Area

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Car Insurance Rates in Sugar Land by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Sugar Land. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium
77477$
77478$575
77479$576
77498$601

Insurance Agents in Sugar Land, TX and Near by

Agents by ZIP code:
  • 0 mi
    Farmers Insurance Group
    7838 Highway 90a, Sugar Land, TX 77478
    (281) 491-8989
  • 0 mi
    Nobility Insurance Group
    326 Brooks St, Sugar Land, TX 77478
    (281) 277-0007
  • 0 mi
    John Daugherty
    426 Brooks St, Sugar Land, TX 77478
    (281) 240-4070
  • 0 mi
    Syed Raza
    120 Eldridge Rd Ste A, Sugar Land, TX 77478
    (281) 565-8592
  • 0 mi
    Todd Cook
    140 Eldridge Rd Ste F, Sugar Land, TX 77478
    (281) 208-4700
  • 0 mi
    Ronald Liu Insurance Agency
    136 Eldridge Rd, Sugar Land, TX 77478
    (281) 242-6661
  • 0 mi
    Priscilla Mouton
    307 W Alkire Lake Dr, Sugar Land, TX 77478
    (713) 649-2442
  • 0 mi
    John Bowers
    1650 Highway 6 Ste 450, Sugar Land, TX 77478
    (281) 242-4800
  • 0 mi
    Jeff Hermes
    1650 Highway 6 Ste 180, Sugar Land, TX 77478
    (281) 240-2800
  • 0 mi
    Jeremy Adams
    9722 Us 90a Suite 103, Sugar Land, TX 77478
    (281) 494-0533
  • 0 mi
    Assurance One of Texas
    245 Commerce Green Blvd Ste 110, Sugar Land, TX 77478
    (281) 494-6400
  • 0 mi
    Joshua Bush
    14905 Southwest Fwy Ste 209, Sugar Land, TX 77478
    (281) 207-5074
  • 0 mi
    Premier South Insurance Services
    14905 Southwest Fwy Ste 201, Sugar Land, TX 77478
    (281) 207-5252
  • 0 mi
    Hoffman Insurance Group
    14905 Southwest Fwy Ste 200, Sugar Land, TX 77478
    (281) 491-6565
  • 0 mi
    Ryan Treesh
    14905 Southwest Fwy Ste 234, Sugar Land, TX 77478
    (281) 980-7711
  • 0 mi
    Gibraltar Insurance Services
    2323 Town Center Dr, Sugar Land, TX 77478
    (281) 980-5050
  • 0 mi
    Ebony Bowie
    14100 Southwest Fwy Ste 360, Sugar Land, TX 77478
    (281) 275-4145
  • 0 mi
    Insurance Solutions of TX
    14140 Southwest Fwy, Sugar Land, TX 77478
    (281) 565-2222
  • 0 mi
    The Kimball Group
    54 Sugar Creek Center Blvd Ste 300, Sugar Land, TX 77478
    (281) 954-4625
  • 0 mi
    Sbrusch Insurance Agency
    54 Sugar Creek Center Blvd Ste 200, Sugar Land, TX 77478
    (832) 886-2924
  • 0 mi
    TWFG Insurance Services - Marsha Crawford
    54 Sugar Creek Center Blvd Ste 300, Sugar Land, TX 77478
    (281) 389-2111
  • 0 mi
    Andres F Alzate
    52 Sugar Creek Center Blvd Ste 175, Sugar Land, TX 77478
    (281) 809-7474
  • 0 mi
    Darren Boone
    15203 Southwest Frwy, Sugar Land, TX 77478
    (281) 242-5666
  • 0 mi
    Kurtis Shaw
    101 Parklane Blvd Ste 103, Sugar Land, TX 77478
    (281) 980-0563
  • 0 mi
    Kelly Baca
    130 Industrial Blvd Ste 150, Sugar Land, TX 77478
    (713) 781-7600
  • 0 mi
    Frimpong Insurance
    104 Industrial Blvd, Sugar Land, TX 77478
    (281) 265-0695
  • 0 mi
    Joe McGee
    13134 Dairy Ashford Rd Ste 500, Sugar Land, TX 77478
    (281) 242-1266
  • 0 mi
    Terry Slater
    1 Sugar Creek Center Blvd Ste 870, Sugar Land, TX 77478
    (281) 494-7753
  • 0 mi
    Tracy Walker
    15510 Lexington Blvd Ste P, Sugar Land, TX 77478
    (281) 265-0711
  • 0 mi
    Dagley Insurance & Financial Services
    15510 Lexington Blvd Ste A2, Sugar Land, TX 77478
    (281) 980-4600
  • 0 mi
    Jeffrey Tallas
    14015 Southwest Fwy Ste 5, Sugar Land, TX 77478
    (713) 271-2000
  • 0 mi
    Goosehead Insurance - Jay Olson
    14015 Southwest Fwy Ste 3, Sugar Land, TX 77478
    (281) 402-8175
  • 0 mi
    Richard Stegall
    13739 Southwest Fwy, Sugar Land, TX 77478
    (281) 491-1111
  • 0 mi
    Momentum Insurance & Financial Services
    4905 SW Freeway Ste 223, Sugar Land, TX 77478
    (281) 207-5075
  • 0 mi
    William Caldwell
    12946 Dairy Ashford Rd Ste 245, Sugar Land, TX 77478
    (832) 900-7133
  • 0 mi
    Edmoundson Lenard & Associates
    13313 Southwest Fwy Ste 255, Sugar Land, TX 77478
    (281) 242-3854
  • 0 mi
    Ronald Scharn
    13313 Southwest Fwy Ste 291, Sugar Land, TX 77478
    (281) 242-1114
  • 0 mi
    Rendon Insurance Group
    101 Southwestern Blvd Ste 224, Sugar Land, TX 77478
    (281) 498-9100
  • 0 mi
    Kelsey Wakefield
    101 Southwestern Blvd Ste 135, Sugar Land, TX 77478
    (281) 242-3222
  • 0 mi
    Mark Dalton Insurance Agency
    101 Southwestern Blvd Ste 106, Sugar Land, TX 77478
    (281) 242-2333
  • 0 mi
    Texans Insurance & Financial Group
    101 Southwestern Blvd Ste 230, Sugar Land, TX 77478
    (281) 277-7800
  • 0 mi
    DeShazo Insurance Agency
    13401 South West Frwy Ste 210, Sugar Land, TX 77478
    (281) 565-7830
  • 0 mi
    AutoInsuranceOnlineQuote.com
    12808 W Airport Blvd, Sugar Land, TX 77478
    (888) 414-6633
  • 0 mi
    Ruzicka Insurance Services Inc
    12808 W Airport Blvd Ste 327, Sugar Land, TX 77478
    (281) 565-7550
  • 0 mi
    Wes M. Arnold
    12808 W Airport Blvd Ste 360, Sugar Land, TX 77478
    (281) 491-0274
  • 0 mi
    First Colony Insurance
    13313 Southwest Fwy Ste 288, Sugar Land, TX 77478
    (281) 242-6789
  • 0 mi
    Michelle Navarro
    12808 W Airport Blvd Ste 341, Sugar Land, TX 77478
    (832) 232-4368
  • 0 mi
    Jim Marsh
    3425 Highway 6 Ste 102, Sugar Land, TX 77478
    (281) 980-1161
  • 0 mi
    Madeline Nguyen
    3414 Highway 6, Sugar Land, TX 77478
    (281) 313-9998
  • 0 mi
    Oria Dafe
    11420 Dairy Ashford Rd Ste 102, Sugar Land, TX 77478
    (281) 201-5517
  • 0 mi
    Diane Schomburg
    1716 Dulles Ave Ste 102, Sugar Land, TX 77478
    (281) 265-6100
  • 0 mi
    Goosehead Insurance - Scott Wong
    4500 Highway 6 Ste A, Sugar Land, TX 77478
    (281) 313-8999
  • 0 mi
    Debbie A. Potter
    4645 Highway 6 Ste E, Sugar Land, TX 77478
    (281) 494-0494
  • 2.33 mi
    Abbasi Insurance Group
    10701 Corporate Dr Ste 120, Stafford, TX 77477
    (281) 710-7811
  • 2.33 mi
    JMS Insurance Agency
    10701 Corporate Dr Ste 103, Stafford, TX 77477
    (281) 494-1500
  • 2.33 mi
    Rick Crawford
    10701 Corporate Dr Ste 392, Stafford, TX 77477
    (281) 313-8777
  • 2.33 mi
    Jose Casanueva
    10707 Corporate Dr Ste 136, Stafford, TX 77477
    (713) 774-2004
  • 2.33 mi
    Reginald Wendell
    4915 S Main St Ste 203, Stafford, TX 77477
    (281) 240-6440
  • 2.33 mi
    Zoom Insurance
    12790 S Kirkwood Rd, Stafford, TX 77477
    (281) 295-5380
  • 2.33 mi
    Merchant Insurance
    12603 Southwest Fwy, Stafford, TX 77477
    (281) 933-6000
  • 2.33 mi
    Michael McKay
    12603 Southwest Fwy Ste 240, Stafford, TX 77477
    (281) 240-1166
  • 2.33 mi
    Shari Neubauer
    12603 Southwest Fwy Ste 630, Stafford, TX 77477
    (281) 242-9600
  • 2.33 mi
    Hatem Foteh
    12603 Southwest Fwy Ste 565, Stafford, TX 77477
    (281) 565-4800
  • 2.33 mi
    Lily Patell
    12603 Southwest Fwy Ste 100, Stafford, TX 77477
    (281) 752-8000
  • 2.33 mi
    Loc Pham
    12603 Southwest Fwy Ste 685, Stafford, TX 77477
    (281) 265-4200
  • 2.33 mi
    Steve Yang
    12705 S Kirkwood Rd Ste 213, Stafford, TX 77477
    (832) 999-4966
  • 2.33 mi
    Safenet Insurance Agency
    4418 Bluebonnet Dr Ste 302, Stafford, TX 77477
    (281) 494-5187
  • 2.33 mi
    Brandon Sisco
    4800 Sugar Grove Blvd Ste 143, Stafford, TX 77477
    (281) 240-6610
  • 2.33 mi
    Paul Rizzotto
    4800 Sugar Grove Blvd Ste 535, Stafford, TX 77477
    (281) 240-3838
  • 2.33 mi
    Nadeem Damani
    4800 Sugar Grove Blvd Ste 545, Stafford, TX 77477
    (281) 565-6769
  • 2.33 mi
    TWFG Insurance Services - Altaf Ariff
    11753 W Bellfort St Ste 102, Stafford, TX 77477
    (832) 617-7475
  • 2.33 mi
    Amtex Insurance
    448 Fm 1092 Rd, Stafford, TX 77477
    (281) 499-0033
  • 2.33 mi
    C & I Mezones Insurance Agency
    435 Fm 1092 Rd Ste F, Stafford, TX 77477
    (281) 403-9490
  • 2.33 mi
    Affordable Insurance of Texas
    223 Murphy Rd, Stafford, TX 77477
    (281) 261-7774
  • 2.33 mi
    TWFG Insurance Services - Chandapillai Mathews
    445 Fm 1092 Rd Ste 100d, Stafford, TX 77477
    (832) 342-9983
  • 2.33 mi
    David Kachadourian
    11104 W Airport Blvd Ste 105, Stafford, TX 77477
    (281) 988-6701
  • 2.33 mi
    Kevin Trinh
    13004 Murphy Rd Ste 216, Stafford, TX 77477
    (281) 261-7676
  • 2.33 mi
    Frederick Williams
    10200 W Airport Blvd, Stafford, TX 77477
    (281) 776-9595
  • 2.33 mi
    Barnes & Associates
    2440 S Main St, Stafford, TX 77477
    (281) 208-3150
  • 2.33 mi
    Abe Jacobs Insurance Agency
    2207 S Main St, Stafford, TX 77477
    (281) 261-8200
  • 3.27 mi
    Lisa Sims
    11647 S Highway 6, Sugar Land, TX 77498
    (281) 201-2448
  • 3.27 mi
    Alex Wu
    13500 W Airport Blvd Ste D, Sugar Land, TX 77498
    (832) 532-0959
  • 3.27 mi
    Forrest Cobb
    10581 S Highway 6 Ste 111, Sugar Land, TX 77498
    (832) 781-4718
  • 3.27 mi
    Jan Smith
    5022 Highway 90a Ste S, Sugar Land, TX 77498
    (281) 340-0011
  • 3.27 mi
    Mdzaki Azam
    15046 Sugar Sweet Dr, Sugar Land, TX 77498
    (281) 827-7915
  • 3.27 mi
    Jason Thomas
    16671 W Airport Blvd, Sugar Land, TX 77498
    (281) 277-7533
  • 3.27 mi
    Jonathan Henson
    16671 W Airport Blvd, Sugar Land, TX 77498
    (346) 256-4545
  • 3.27 mi
    Alonzo Everhart
    10138 S Highway 6, Sugar Land, TX 77498
    (832) 786-4856
  • 3.27 mi
    Affordable Insurance of Texas
    10021 S Highway 6 Ste C, Sugar Land, TX 77498
    (281) 530-4040
  • 3.27 mi
    Olukayode Ajanaku
    9903 S Highway 6 Ste 600, Sugar Land, TX 77498
    (713) 776-3275
  • 3.27 mi
    Juan G Lara Insurance Agency
    9750 S Highway 6 Ste 103, Sugar Land, TX 77498
    (281) 561-9919
  • 4.14 mi
    Leslie R Collins
    1726 Oak Shade Dr, Sugar Land, TX 77479
    (281) 744-3206
  • 4.14 mi
    Albert Winborne Insurance Agency
    7002 Riverbrook Dr Ste 900d, Sugar Land, TX 77479
    (281) 343-0024
  • 4.14 mi
    Michael Redix
    11929 University Blvd Ste 2d, Sugar Land, TX 77479
    (281) 491-0265
  • 4.14 mi
    William Conde
    1108 Soldiers Field Dr Ste 700, Sugar Land, TX 77479
    (832) 886-4342
  • 4.14 mi
    Herman Edgar Davis
    16126 Southwest Fwy Ste 120, Sugar Land, TX 77479
    (281) 491-2508
  • 4.14 mi
    Gulledge Insurance Agency
    2150 Town Square Pl Ste 705, Sugar Land, TX 77479
    (281) 207-0771
  • 4.14 mi
    Goosehead Insurance - Mike Whitsitt
    2245 Texas Dr Ste 300, Sugar Land, TX 77479
    (281) 915-3808
  • 4.14 mi
    Hero Insurance Pro
    2245 Texas Dr Ste 300, Sugar Land, TX 77479
    (281) 494-5544
  • 4.14 mi
    Mark Shabib
    16525 Lexington Blvd Ste 200, Sugar Land, TX 77479
    (713) 963-9296
  • 4.14 mi
    Henry Phan
    3531 Town Center Blvd S Ste 103, Sugar Land, TX 77479
    (832) 999-4055
  • 4.14 mi
    Cristy Caruthers
    4783 Sweetwater Blvd, Sugar Land, TX 77479
    (281) 980-2222
  • 4.14 mi
    Noltensmeyer Insurance Services
    4675 Sweetwater Blvd, Sugar Land, TX 77479
    (832) 886-5544
  • 4.14 mi
    Lance Ragle
    4665 Sweetwater Blvd Ste 400, Sugar Land, TX 77479
    (281) 265-1200
  • 4.14 mi
    Wally Franklin
    19855 Southwest Fwy Ste 110, Sugar Land, TX 77479
    (281) 565-8000
  • 4.14 mi
    Welling Insurance Agency
    19855 Southwest Fwy Ste 350, Sugar Land, TX 77479
    (281) 633-8100
  • 4.14 mi
    Phil Martin
    19901 Southwest Fwy Ste 137, Sugar Land, TX 77479
    (713) 785-0856
  • 4.14 mi
    Kris Schaumburg
    19875 Southwest Fwy Ste 205, Sugar Land, TX 77479
    (281) 342-5755
  • 4.14 mi
    Polo Garcia
    19875 Southwest Fwy Ste 205, Sugar Land, TX 77479
    (281) 937-7491
  • 4.14 mi
    Joseph Guarisco
    19901 Southwest Fwy, Sugar Land, TX 77479
    (713) 840-0707
  • 4.14 mi
    Terry Masterson
    19901 Southwest Fwy Ste 242, Sugar Land, TX 77479
    (281) 565-4454
View all agents ↓

Learn More About Car Insurance in Sugar Land, Texas

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurnace policy. Learn more about how to determine who is at fault in a car accident.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.

How to choose car insurance wisely?

When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.

Learn more about what car insurance covers.

There are also extra coverages that you can get for a small price in your policy such as rental car reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after accident and towing and labor charges.

Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.

Learn more: car insurance quotes FAQ

Applying right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.

when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.

Learn more about how to choose right amount of deductibles to get cheap car insurance.

How will traffic ticket affect auto insurance premium?

Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.

Learn more about how traffic ticket affect your car insurance premium.

How to: Car insurance claims

Are you confused on how the car insurance claims works? Still thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.

Car insurance claims and denial

Driving in other states with Texas car insurance

You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.

https://www.thezebra.com/insurance-news/3698/car-insurance-cover-out-of-state/

References

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.