Cheap Car Insurance in Sugar Land
Lowest Premium
$451 / YEAR
Average Premium
$580 / YEAR
Highest Premium
$931 / YEAR
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.
Company | Annual premium (50/100/50) | Market share | Complaints |
---|---|---|---|
GEICO | $350 | 6.00% ($1,151,485,019) | 1 |
Farmers | $385 | 7.98% ($1,530,613,603) | 2 |
State Farm | $390 | 16.03% ($3,074,590,659) | 119 |
Allstate | $495 | 7.38% ($1,416,050,038) | 4 |
Liberty Mutual | $550 | 4.36% ($836,938,040) | 64 |
Progressive | $660 | 8.75% ($1,678,264,745) | 0 |
Get Cheap Car Insurance Quotes in Your Area
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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.
Zip | Avg. Premium |
---|---|
77477 | $ |
77478 | $575 |
77479 | $576 |
77498 | $601 |
Insurance Agents in Sugar Land, TX and Near by
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0 miFarmers Insurance Group7838 Highway 90a, Sugar Land, TX 77478(281) 491-8989
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0 miNobility Insurance Group326 Brooks St, Sugar Land, TX 77478(281) 277-0007
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0 miJohn Daugherty426 Brooks St, Sugar Land, TX 77478(281) 240-4070
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0 miSyed Raza120 Eldridge Rd Ste A, Sugar Land, TX 77478(281) 565-8592
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0 miTodd Cook140 Eldridge Rd Ste F, Sugar Land, TX 77478(281) 208-4700
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0 miRonald Liu Insurance Agency136 Eldridge Rd, Sugar Land, TX 77478(281) 242-6661
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0 miPriscilla Mouton307 W Alkire Lake Dr, Sugar Land, TX 77478(713) 649-2442
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0 miJohn Bowers1650 Highway 6 Ste 450, Sugar Land, TX 77478(281) 242-4800
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0 miJeff Hermes1650 Highway 6 Ste 180, Sugar Land, TX 77478(281) 240-2800
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0 miJeremy Adams9722 Us 90a Suite 103, Sugar Land, TX 77478(281) 494-0533
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0 miAssurance One of Texas245 Commerce Green Blvd Ste 110, Sugar Land, TX 77478(281) 494-6400
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0 miJoshua Bush14905 Southwest Fwy Ste 209, Sugar Land, TX 77478(281) 207-5074
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0 miPremier South Insurance Services14905 Southwest Fwy Ste 201, Sugar Land, TX 77478(281) 207-5252
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0 miHoffman Insurance Group14905 Southwest Fwy Ste 200, Sugar Land, TX 77478(281) 491-6565
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0 miRyan Treesh14905 Southwest Fwy Ste 234, Sugar Land, TX 77478(281) 980-7711
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0 miGibraltar Insurance Services2323 Town Center Dr, Sugar Land, TX 77478(281) 980-5050
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0 miEbony Bowie14100 Southwest Fwy Ste 360, Sugar Land, TX 77478(281) 275-4145
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0 miInsurance Solutions of TX14140 Southwest Fwy, Sugar Land, TX 77478(281) 565-2222
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0 miThe Kimball Group54 Sugar Creek Center Blvd Ste 300, Sugar Land, TX 77478(281) 954-4625
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0 miSbrusch Insurance Agency54 Sugar Creek Center Blvd Ste 200, Sugar Land, TX 77478(832) 886-2924
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0 miTWFG Insurance Services - Marsha Crawford54 Sugar Creek Center Blvd Ste 300, Sugar Land, TX 77478(281) 389-2111
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0 miAndres F Alzate52 Sugar Creek Center Blvd Ste 175, Sugar Land, TX 77478(281) 809-7474
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0 miDarren Boone15203 Southwest Frwy, Sugar Land, TX 77478(281) 242-5666
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0 miKurtis Shaw101 Parklane Blvd Ste 103, Sugar Land, TX 77478(281) 980-0563
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0 miKelly Baca130 Industrial Blvd Ste 150, Sugar Land, TX 77478(713) 781-7600
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0 miFrimpong Insurance104 Industrial Blvd, Sugar Land, TX 77478(281) 265-0695
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0 miJoe McGee13134 Dairy Ashford Rd Ste 500, Sugar Land, TX 77478(281) 242-1266
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0 miTerry Slater1 Sugar Creek Center Blvd Ste 870, Sugar Land, TX 77478(281) 494-7753
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0 miTracy Walker15510 Lexington Blvd Ste P, Sugar Land, TX 77478(281) 265-0711
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0 miDagley Insurance & Financial Services15510 Lexington Blvd Ste A2, Sugar Land, TX 77478(281) 980-4600
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0 miJeffrey Tallas14015 Southwest Fwy Ste 5, Sugar Land, TX 77478(713) 271-2000
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0 miGoosehead Insurance - Jay Olson14015 Southwest Fwy Ste 3, Sugar Land, TX 77478(281) 402-8175
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0 miRichard Stegall13739 Southwest Fwy, Sugar Land, TX 77478(281) 491-1111
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0 miMomentum Insurance & Financial Services4905 SW Freeway Ste 223, Sugar Land, TX 77478(281) 207-5075
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0 miWilliam Caldwell12946 Dairy Ashford Rd Ste 245, Sugar Land, TX 77478(832) 900-7133
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0 miEdmoundson Lenard & Associates13313 Southwest Fwy Ste 255, Sugar Land, TX 77478(281) 242-3854
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0 miRonald Scharn13313 Southwest Fwy Ste 291, Sugar Land, TX 77478(281) 242-1114
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0 miRendon Insurance Group101 Southwestern Blvd Ste 224, Sugar Land, TX 77478(281) 498-9100
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0 miKelsey Wakefield101 Southwestern Blvd Ste 135, Sugar Land, TX 77478(281) 242-3222
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0 miMark Dalton Insurance Agency101 Southwestern Blvd Ste 106, Sugar Land, TX 77478(281) 242-2333
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0 miTexans Insurance & Financial Group101 Southwestern Blvd Ste 230, Sugar Land, TX 77478(281) 277-7800
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0 miDeShazo Insurance Agency13401 South West Frwy Ste 210, Sugar Land, TX 77478(281) 565-7830
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0 miAutoInsuranceOnlineQuote.com12808 W Airport Blvd, Sugar Land, TX 77478(888) 414-6633
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0 miRuzicka Insurance Services Inc12808 W Airport Blvd Ste 327, Sugar Land, TX 77478(281) 565-7550
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0 miWes M. Arnold12808 W Airport Blvd Ste 360, Sugar Land, TX 77478(281) 491-0274
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0 miFirst Colony Insurance13313 Southwest Fwy Ste 288, Sugar Land, TX 77478(281) 242-6789
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0 miMichelle Navarro12808 W Airport Blvd Ste 341, Sugar Land, TX 77478(832) 232-4368
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0 miJim Marsh3425 Highway 6 Ste 102, Sugar Land, TX 77478(281) 980-1161
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0 miMadeline Nguyen3414 Highway 6, Sugar Land, TX 77478(281) 313-9998
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0 miOria Dafe11420 Dairy Ashford Rd Ste 102, Sugar Land, TX 77478(281) 201-5517
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0 miDiane Schomburg1716 Dulles Ave Ste 102, Sugar Land, TX 77478(281) 265-6100
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0 miGoosehead Insurance - Scott Wong4500 Highway 6 Ste A, Sugar Land, TX 77478(281) 313-8999
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0 miDebbie A. Potter4645 Highway 6 Ste E, Sugar Land, TX 77478(281) 494-0494
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2.33 miAbbasi Insurance Group10701 Corporate Dr Ste 120, Stafford, TX 77477(281) 710-7811
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2.33 miJMS Insurance Agency10701 Corporate Dr Ste 103, Stafford, TX 77477(281) 494-1500
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2.33 miRick Crawford10701 Corporate Dr Ste 392, Stafford, TX 77477(281) 313-8777
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2.33 miJose Casanueva10707 Corporate Dr Ste 136, Stafford, TX 77477(713) 774-2004
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2.33 miReginald Wendell4915 S Main St Ste 203, Stafford, TX 77477(281) 240-6440
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2.33 miZoom Insurance12790 S Kirkwood Rd, Stafford, TX 77477(281) 295-5380
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2.33 miMerchant Insurance12603 Southwest Fwy, Stafford, TX 77477(281) 933-6000
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2.33 miMichael McKay12603 Southwest Fwy Ste 240, Stafford, TX 77477(281) 240-1166
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2.33 miShari Neubauer12603 Southwest Fwy Ste 630, Stafford, TX 77477(281) 242-9600
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2.33 miHatem Foteh12603 Southwest Fwy Ste 565, Stafford, TX 77477(281) 565-4800
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2.33 miLily Patell12603 Southwest Fwy Ste 100, Stafford, TX 77477(281) 752-8000
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2.33 miLoc Pham12603 Southwest Fwy Ste 685, Stafford, TX 77477(281) 265-4200
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2.33 miSteve Yang12705 S Kirkwood Rd Ste 213, Stafford, TX 77477(832) 999-4966
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2.33 miSafenet Insurance Agency4418 Bluebonnet Dr Ste 302, Stafford, TX 77477(281) 494-5187
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2.33 miBrandon Sisco4800 Sugar Grove Blvd Ste 143, Stafford, TX 77477(281) 240-6610
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2.33 miPaul Rizzotto4800 Sugar Grove Blvd Ste 535, Stafford, TX 77477(281) 240-3838
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2.33 miNadeem Damani4800 Sugar Grove Blvd Ste 545, Stafford, TX 77477(281) 565-6769
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2.33 miTWFG Insurance Services - Altaf Ariff11753 W Bellfort St Ste 102, Stafford, TX 77477(832) 617-7475
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2.33 miAmtex Insurance448 Fm 1092 Rd, Stafford, TX 77477(281) 499-0033
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2.33 miC & I Mezones Insurance Agency435 Fm 1092 Rd Ste F, Stafford, TX 77477(281) 403-9490
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2.33 miAffordable Insurance of Texas223 Murphy Rd, Stafford, TX 77477(281) 261-7774
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2.33 miTWFG Insurance Services - Chandapillai Mathews445 Fm 1092 Rd Ste 100d, Stafford, TX 77477(832) 342-9983
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2.33 miDavid Kachadourian11104 W Airport Blvd Ste 105, Stafford, TX 77477(281) 988-6701
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2.33 miKevin Trinh13004 Murphy Rd Ste 216, Stafford, TX 77477(281) 261-7676
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2.33 miFrederick Williams10200 W Airport Blvd, Stafford, TX 77477(281) 776-9595
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2.33 miBarnes & Associates2440 S Main St, Stafford, TX 77477(281) 208-3150
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2.33 miAbe Jacobs Insurance Agency2207 S Main St, Stafford, TX 77477(281) 261-8200
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3.27 miLisa Sims11647 S Highway 6, Sugar Land, TX 77498(281) 201-2448
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3.27 miAlex Wu13500 W Airport Blvd Ste D, Sugar Land, TX 77498(832) 532-0959
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3.27 miForrest Cobb10581 S Highway 6 Ste 111, Sugar Land, TX 77498(832) 781-4718
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3.27 miJan Smith5022 Highway 90a Ste S, Sugar Land, TX 77498(281) 340-0011
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3.27 miMdzaki Azam15046 Sugar Sweet Dr, Sugar Land, TX 77498(281) 827-7915
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3.27 miJason Thomas16671 W Airport Blvd, Sugar Land, TX 77498(281) 277-7533
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3.27 miJonathan Henson16671 W Airport Blvd, Sugar Land, TX 77498(346) 256-4545
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3.27 miAlonzo Everhart10138 S Highway 6, Sugar Land, TX 77498(832) 786-4856
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3.27 miAffordable Insurance of Texas10021 S Highway 6 Ste C, Sugar Land, TX 77498(281) 530-4040
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3.27 miOlukayode Ajanaku9903 S Highway 6 Ste 600, Sugar Land, TX 77498(713) 776-3275
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3.27 miJuan G Lara Insurance Agency9750 S Highway 6 Ste 103, Sugar Land, TX 77498(281) 561-9919
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4.14 miLeslie R Collins1726 Oak Shade Dr, Sugar Land, TX 77479(281) 744-3206
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4.14 miAlbert Winborne Insurance Agency7002 Riverbrook Dr Ste 900d, Sugar Land, TX 77479(281) 343-0024
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4.14 miMichael Redix11929 University Blvd Ste 2d, Sugar Land, TX 77479(281) 491-0265
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4.14 miWilliam Conde1108 Soldiers Field Dr Ste 700, Sugar Land, TX 77479(832) 886-4342
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4.14 miHerman Edgar Davis16126 Southwest Fwy Ste 120, Sugar Land, TX 77479(281) 491-2508
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4.14 miGulledge Insurance Agency2150 Town Square Pl Ste 705, Sugar Land, TX 77479(281) 207-0771
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4.14 miGoosehead Insurance - Mike Whitsitt2245 Texas Dr Ste 300, Sugar Land, TX 77479(281) 915-3808
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4.14 miHero Insurance Pro2245 Texas Dr Ste 300, Sugar Land, TX 77479(281) 494-5544
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4.14 miMark Shabib16525 Lexington Blvd Ste 200, Sugar Land, TX 77479(713) 963-9296
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4.14 miHenry Phan3531 Town Center Blvd S Ste 103, Sugar Land, TX 77479(832) 999-4055
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4.14 miCristy Caruthers4783 Sweetwater Blvd, Sugar Land, TX 77479(281) 980-2222
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4.14 miNoltensmeyer Insurance Services4675 Sweetwater Blvd, Sugar Land, TX 77479(832) 886-5544
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4.14 miLance Ragle4665 Sweetwater Blvd Ste 400, Sugar Land, TX 77479(281) 265-1200
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4.14 miWally Franklin19855 Southwest Fwy Ste 110, Sugar Land, TX 77479(281) 565-8000
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4.14 miWelling Insurance Agency19855 Southwest Fwy Ste 350, Sugar Land, TX 77479(281) 633-8100
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4.14 miPhil Martin19901 Southwest Fwy Ste 137, Sugar Land, TX 77479(713) 785-0856
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4.14 miKris Schaumburg19875 Southwest Fwy Ste 205, Sugar Land, TX 77479(281) 342-5755
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4.14 miPolo Garcia19875 Southwest Fwy Ste 205, Sugar Land, TX 77479(281) 937-7491
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4.14 miJoseph Guarisco19901 Southwest Fwy, Sugar Land, TX 77479(713) 840-0707
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4.14 miTerry Masterson19901 Southwest Fwy Ste 242, Sugar Land, TX 77479(281) 565-4454
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.
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.