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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.

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

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.

Zip	Avg. Premium
77477	$
77478	$575
77479	$576
77498	$601

Insurance Agents in Sugar Land, TX and Near by

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.

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.