Cheapest Car Insurance Quotes in Sugar Land

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Sugar Land Car Insurance

^$ 56

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Sugar Land

The car insurance rate in Sugar Land is $1399 for a six-month policy, which is $161 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $893, making it a popular choice for budget-conscious drivers. Rates in Sugar Land can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Sugar Land

$1399

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Sugar Land

1st place: Mercury

At $893 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: Texas Farm Bureau

Texas Farm Bureau offers auto insurance rates at $927 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA Texas

AAA Texas offers auto insurance rates at $933 for six months, making it the third cheapest auto insurance company in Sugar Land.

Sugar Land Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sugar Land, TX is Mercury, offering policies at just $893 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $927.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1208 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sugar Land drivers find the best deals.

Cheap Car Insurance Companies in Sugar Land, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$893	$149
Texas Farm Bureau	$927	$157
AAA Texas	$933	$156
State Farm	$966	$163
USAA	$1054	$177
Redpoint Insurance	$1101	$188
AAA	$1356	$226
Progressive	$1409	$237
Southern County Mutual	$1457	$243
Allstate	$3034	$511
Farmers	$2772	$471
Redpoint County Mutual	$1080	$184
Geico County Mutual	$1208	$206

Key Takeaways

Way's key takeaways about car insurance in Sugar Land

The auto insurance costs in Sugar Land fall around $893 for six months.
The cheapest auto insurance company in Sugar Land is USAA.
Teen drivers pay the highest rate in Sugar Land at $82 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Sugar Land

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Sugar Land are given below.

USAA provides the cheapest minimum car insurance coverage in Sugar Land. Their Average 6 Month Premium is $336. Geico County Mutual is the most expensive at $376 for the same period.

Cheapest Liability Coverage in Sugar Land, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$336	$56
Texas Farm Bureau	$349	$60
State Farm	$363	$61
Redpoint Insurance	$376	$64
Mercury	$436	$73
AAA	$484	$82
AAA Texas	$484	$80
Progressive	$497	$84
Allstate	$1048	$176
Farmers	$1094	$182
Redpoint County Mutual	$363	$60
Geico County Mutual	$376	$64

Cheapest Full Coverage Car Insurance in Sugar Land

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Sugar Land is Mercury at $149 per month and $893 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sugar Land, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$893	$149
Texas Farm Bureau	$927	$157
AAA Texas	$933	$156
State Farm	$966	$163
USAA	$1054	$177
Redpoint Insurance	$1101	$188
AAA	$1356	$226
Progressive	$1409	$237
Southern County Mutual	$1457	$243
Allstate	$3034	$511
Farmers	$2772	$471
Redpoint County Mutual	$1080	$184
Geico County Mutual	$1208	$206

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Average Car Insurance in Sugar Land by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Sugar Land, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Sugar Land, Texas, may be increasing due to several external factors. Texas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Sugar Land's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Sugar Land

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Sugar Land,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Sugar Land at $66 per month. At $497 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$383	$66
Southern County Mutual	$497	$82
Mercury	$537	$92
AAA Texas	$611	$102
USAA	$1537	$259
State Farm	$1637	$276
Texas Farm Bureau	$1719	$293
AAA	$2819	$470
Allstate	$5162	$869
Progressive	$7196	$1211
Farmers	$9048	$1538
Redpoint County Mutual	$370	$63
Geico County Mutual	$497	$82

Teen Car Insurance Rates in TX by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Sugar Land, Mercury is the cheapest car insurance provider. At $584 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Sugar Land is Farmers, offering rates of around $4591 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$584	$97
Foremost	$698	$119
AAA Texas	$745	$124
Dairyland	$866	$147
USAA	$1302	$217
Progressive	$1866	$314
AAA	$2262	$377
Allstate	$5322	$905
State Farm	$6947	$1158
Texas Farm Bureau	$1309	$223
Farmers	$4591	$781

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Car Insurance Rates with An Accident in Sugar Land

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Sugar Land, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Sugar Land

The cheapest car insurance companies after an at-fault accident in Sugar Land include Redpoint Insurance and Southern County Mutual, offering $383 and $463, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $463.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$383	$63
Southern County Mutual	$463	$79
AAA Texas	$719	$120
State Farm	$772	$130
Mercury	$872	$146
USAA	$1114	$188
Texas Farm Bureau	$1450	$242
AAA	$2302	$391
Progressive	$2463	$415
Allstate	$4799	$808
Farmers	$7618	$1295
Redpoint County Mutual	$370	$61
Geico County Mutual	$463	$79

Sugar Land Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sugar Land TX. For example, the car insurance in Sugar Land after a DUI increases to $886 for a six month policy. While the rate increases by $208 for a six-month policy in the case of a speeding ticket.

Sugar Land auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1450	$242
One Med/PIP claim	$1463	$249
One comp claim	$1537	$257
Not-at-fault accident	$1550	$263
Two Med/PIP claims	$1557	$260
Failure to show documents	$1611	$273
Driving with expired registration	$1624	$271
Two comp claims	$1637	$278
Cell phone violation	$1651	$276
Driving without lights	$1651	$280
Texting while driving	$1651	$276
Driving too slowly	$1658	$281
Speeding 11 - 15 MPH over limit	$1658	$277
Speeding 16 - 20 MPH over limit	$1658	$281
Speeding 6 - 10 MPH over limit	$1658	$277
Speeding in school zone	$1658	$281
Child safety restraint	$1664	$278
Failure to wear a seat belt	$1664	$283
In 65 MPH zone	$1671	$279
Failure to stop at a red light	$1678	$286
Failure to yield	$1678	$280
Following too closely	$1678	$286
Illegal turn	$1678	$280
Improper passing	$1678	$286
Speeding 21 - 25 MPH over limit	$1678	$280
Passing school bus	$1685	$287
Wrong way/wrong lane	$1685	$280
Operating a vehicle without permission	$1692	$288
At-fault accident - less than $1000	$1758	$293
Open container	$1980	$337
Driving with a suspended license	$2054	$342
Racing	$2175	$370
Reckless driving	$2175	$363
Leaving scene of an accident/hit and run	$2228	$379
At-fault accident - $1000-$2000	$2235	$373
Refusal to submit to a chemical test	$2302	$391
DUI	$2336	$390
At-fault accident - greater than $2000	$2429	$414

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Sugar Land after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Sugar Land.

The cheapest car insurance premiums in Sugar Land are offered by Mercury at $577 for a six-month policy. However, it can be as expensive as $3497 with companies like Farmers.

Sugar Land car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$577	$96
Foremost	$651	$111
Dairyland	$712	$119
AAA Texas	$751	$128
State Farm	$986	$166
USAA	$1537	$259
Progressive	$1571	$264
Nationwide	$1900	$323
AAA	$3484	$581
Allstate	$3967	$668
Texas Farm Bureau	$1114	$190
Farmers	$3497	$583

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Sugar Land are offered by Mercury at $598. However, it can be as expensive as $3806 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sugar Land after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$598	$99
State Farm	$617	$104
AAA Texas	$637	$106
USAA	$947	$160
AAA	$2302	$384
Progressive	$2457	$418
Allstate	$3732	$621
Texas Farm Bureau	$577	$98
Farmers	$3806	$647

Car Insurance Price Trends in Sugar Land, Texas

Car insurance rates in Sugar Land have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Sugar Land rose by $244 in January compared to $234 of December. In other words, there has been an increase by $10 when you compare January and December.

The average cost of liability insurance in the Sugar Land rose to $79 in January, compared to $72 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Sugar Land?

The car insurance in Sugar Land is $56 per month, which is lower than the national average.

What is the cheapest car insurance in Sugar Land?

The cheapest car insurance in Sugar Land is $149 per month for full coverage.

How much is car insurance in Sugar Land for teenagers?

Car insurance for teenagers costs $383 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Sugar Land?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $235 per month to insure your car in Sugar Land.

Is car insurance expensive in Sugar Land?

Car insurance can be expensive in Sugar Land if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Sugar Land can be affordable.

Cheapest Car Insurance Quotes in Sugar Land

Why you can trust Way?

How Much Is Car Insurance in Sugar Land

Avg. Car Insurance in Sugar Land

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Sugar Land

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Sugar Land Car Insurance Rates by Company

Cheap Car Insurance Companies in Sugar Land, TX

Way's key takeaways about car insurance in Sugar Land

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sugar Land

Cheapest Liability Coverage in Sugar Land, TX

Cheapest Full Coverage Car Insurance in Sugar Land

Cheapest Full Coverage Car Insurance Quotes in Sugar Land, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sugar Land by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Sugar Land, TX increasing?

Car Insurance Premiums by Age in Sugar Land

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sugar Land,TX

If you are in your twenties N/A is the best choice for car insurance in Sugar Land.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Sugar Land

Cheapest Car Insurance Companies after an At-Fault Accident in Sugar Land

Sugar Land Car Insurance Rates by Violation

Sugar Land auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sugar Land after a DUI

Sugar Land car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sugar Land after Speeding ticket

Car Insurance Price Trends in Sugar Land, Texas

Average Car Insurance Cost in Sugar Land by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sugar Land, TX

Car Insurance Rates by State in the USA (2025 Update)

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