Best Auto Insurance Rates in Sugar Land, Texas

On average, your neighbors pay $77 a month.

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A number of major companies have made the small city of Sugar Land their home. Such companies as Minute Maid, Schlumberger, Tramontina USA, Fluor Corporation, Aetna and many more. Sugar Lands residents’ healthy economic growth has presented them with many benefits, why shouldn’t affordable car insurance rates be another one?

Average Sugar Land Car Insurance Rates

How much is car insurance in Sugar Land, TX? Residents shouldn't be surprised that rates here are higher than the national average. The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01.

Prices may vary depending on your driving history and the number of claims filed in your zip code.

Texas Average Annual Car Insurance Rates
Coverage Rates
Liability $516.26
Collision $357.61
Comprehensive $192.33
Total Cost Per Year $934.22
Price Per Month $77.85
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.

Texas average car insurance rates

QuoteWizard helps consumers compare quotes from the top national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Sugar Land, Texas and save up to 40% on your premium.

Last year, 2,186 people used QuoteWizard to compare auto insurance quotes in Sugar Land, TX from multiple companies to get the lowest rates.

Best Car Insurance Companies in Sugar Land, TX

These are the most common car insurance companies reported by the 2,186 QuoteWizard users in Sugar Land, Texas last year. Of these users, 54 were uninsured.

Top 10 Vehicles

This is our list of the most common vehicles owned by Sugar Land, TX drivers requesting quotes through QuoteWizard in the past year.

  1. Honda Accord EX/LX
  2. Ford F150
  3. Lexus RX 350
  4. Toyota Camry LE/XLE/SE
  5. Lexus ES 350
  6. Ford Mustang
  7. Honda Civic DX/LX
  8. Acura MDX
  9. Dodge Ram 1500
  10. Toyota RAV4

Minimum Car Insurance Requirements in Sugar Land, TX

Sugar Land, Texas has a minimum liability coverage requirement known as the 30/60/25 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The maximum your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The most your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The total your insurance carrier will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion can influence your insurance rates.


Sugar Land has a humid subtropical climate. Summers are very hot and humid and winters are mild. Located beside the Gulf of Mexico, residents can expect around 204 sunny days annually, with average high temperatures around 90 degrees in the summer. Sugar Land receives 46.01 inches of rainfall every year, some of which falls in the form of Tropical Storms which can cause streets to flood.

Road Conditions

The roads in the Houston-Woodlands-Sugar Land metropolitan area are notorious for their potholes. The problem is so bad that in 2015, Mayor Annise Parker described the condition of roads in the area as a crisis. Poor road conditions can cause motorists a lot of extra vehicle operating costs and filing a claim because a pothole damaged your tire can raise your rates. These roads are in such a sorry state of repair that they're estimated to cost each driver $722 per year on average in extra vehicle operating costs due to traffic congestion, crashes, and repairs.

Traffic Congestion

 Sugar Land also has significant traffic congestion because of its location right outside of Houston. Taking U.S. 59 or U.S. 90A through Sugar Land can be slow, as these highways are the most congested in the area.

Moving Violations

Moving violations like accidents and speeding tickets will go on your driving record in the form of driver's license points. These points can remain on your record for three years. If your insurance carrier finds out, they'll almost certainly raise your rates. If you have too many points on your license, your insurer could change your status to non-preferred. If so, you'll get a letter saying you must purchase a high-risk auto insurance policy.

Traffic Tickets

 The City of Sugar Land Municipal Courts website allows you to pay traffic ticket, provides information on disputing traffic tickets and provides information on requesting Driving Safety course.

In 2015, Sugar Land Police made 33,962 traffic stops and issued 23,859 traffic citations.

DWI Arrests

 209 arrests for suspicion of driving under the influence were made by the Sugar Land Police Department in 2015, a 28% decrease from the 294 arrests made in 2014.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local insurance agents from top insurance companies that specialize in Sugar Land DWI insurance.

DWI Crashes and Injuries

Sugar Land reported 50 crashes involving alcohol or drugs in 2017. These accidents involving impaired drivers caused 23 injuries and two fatalities.

Car Accident Statistics

Sugar Land officials reported 1,638 car crashes in 2017. These crashes resulted in 611 injuries, 26 of them serious.

Traffic Fatalities

Sugar Land experienced two fatal collisions in 2017 resulting in two single death in a motor vehicle crash. All traffic deaths are a tragic loss, and considering Sugar Land's estimated population of 88,485 this city ranks among nation's safest in terms of traffic fatalities per capita.

Vehicle Theft Rates

Sugar Land reported 56 vehicle thefts in 2017. This is a rate of 0.63 per 1,000 residents. This is far below the national rate of 2.37 stolen cars per 1,000 people.

Car Insurance Discounts

Are you looking for more affordable car insurance? Discounts are one of the best ways to lower your rates. Below are only some of the auto insurance discounts available to drivers in Sugar Land, TX.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 20% of your total bill
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  4. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  5. Are you married or getting married soon? Many insurers offer a discount for married couples

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