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How much is car insurance in Sugar Land?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Texas are about $7 a month cheaper than the rates drivers pay in Sugar Land.
Compared to the rest of the country, auto insurance in Sugar Land is more affordable. Car insurance rates for the United States as a whole are, on average, $8 more expensive than the rates you'd pay in Sugar Land.
These may be the average auto insurance rates for Sugar Land, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
Don't worry, we've done the work for you and broken down the average rates for Sugar Land to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Sugar Land Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
For every 10 years, you can expect to see a drop in your monthly premium. Sugar Land drivers may see their rates climb back up once they hit retirement age.
Sugar Land Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Sugar Land totals about $6 per month. As you can see in the table above, male drivers in the area typically pay $75 on average, while female drivers typically pay $69 each month.
Sugar Land Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Sugar Land, drivers with one accident on their record will experience rates around $87 a month. In addition, drivers with a single ticket on their record can expect to pay around $85 a month on average.
Sugar Land Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$70|
As you can see in the first table above, the cheapest vehicles to insure in Sugar Land are by and large SUVs, which run about $64 per month.
Car owners can expect to pay an average of around $77 a month for their policy, while truck and van drivers are usually around $66 to insure each month.
The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Sugar Land are vehicles eight-to-ten years old.
Sugar Land Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$83|
More often than not, those who are currently married will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Sugar Land can be as much as $28 a month, so it's worth keeping that in mind.
Sugar Land Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$95|
Another factor that comes into play is your living accommodations. Renters can expect to pay around $13 a month more than homeowners in Sugar Land. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in Sugar Land, TX
Recent trends in car insurance for Sugar Land drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Sugar Land, auto insurance rates rose from 2017-2018, when they hit a low of $65. This changed in 2019, when rates started to rise. They reached a high of $85 in 2021, and finished down in 2022, at $72 a month.
How does Sugar Land compare to neighboring areas?
Why are car insurance rates in Sugar Land different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Access to off-street parking
- Regional crime rates
- Area laws
- Road Safety (how many accidents each locality has)
- Total amount of drivers in the area
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Sugar Land?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Sugar Land.
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Sugar Land Auto Insurance FAQs
What factors affect car insurance quotes in Sugar Land?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Sugar Land different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Sugar Land?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Sugar Land?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Sugar Land or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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