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How much is car insurance in Sugar Land?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $8 a month more expensive to insure your vehicle in Sugar Land than it is in the rest of Texas.
Compared to the rest of the country, auto insurance in Sugar Land is more affordable. It's around $8 less to insure your vehicle compared to the average rate for the United States as a whole.
Although these are the average car insurance rates in Sugar Land, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down average rates for Sugar Land residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average 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 behind the wheel, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates creep back up a bit once you hit retirement age in Sugar Land.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Sugar Land is around $7 per month. As illustrated in the table above, male drivers in the area pay about $75 on average, while female drivers pay around $68 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Sugar Land with a single accident on their record will usually see rates around $87 a month. In addition, drivers with one ticket can expect to pay around $85 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$70|
In terms of affordable coverage, the cheapest vehicles to insure in Sugar Land are by and large SUVs, at $64 per month.
Car owners can expect to pay an average of around $76 a month for their policy, while truck and van drivers are usually around $67 to insure each month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Sugar Land, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$84|
Overall, those who have settled down into marriage will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Sugar Land can be as much as $29 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$95|
Another factor that comes into play is your housing situation. If you rent your home or apartment in Sugar Land, expect to pay around $12 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Auto insurance rates in Sugar Land dropped from 2017-2018, when they hit a low of $65. This changed in 2019, when insurance rates started to rise. They reached a high of $85 in 2021, and finished down in 2022, at $85 a month.
How does Sugar Land compare to neighboring areas?
Why are car insurance rates in Sugar Land different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Regional laws
- Amount of drivers
- Area crime rates
- Off-street parking availability
- Rate of car accidents
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing plans in Sugar Land.
Sugar Land Insurance FAQs
What factors affect car insurance quotes in Sugar Land?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Sugar Land different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Sugar Land?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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.