Sugar Land, TX Car Insurance

Drivers in Sugar Land pay, on average, $72 a month for their car insurance. To find out more check out our guide below.
What should residents of Sugar Land expect to pay for their car insurance? How does Sugar Land stack up to the rest of the area, or even Texas as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Sugar Land?

Area Average Monthly Car Insurance Premium
Sugar Land$72
TX$64
United States$80

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.

On the other hand, the expected monthly payments for an auto insurance policy in Sugar Land are below the national average. You can expect to pay about $8 below the national average for auto insurance in Sugar Land.

While these numbers are the average rates for auto insurance in Sugar Land, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

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!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$118
25-34$66
35-44$58
45-54Not Enough Data
55-64$53
65+$56

The older you are, the more experience you're likely to have on the roads, right? 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 the price that drivers of retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may climb back up in Sugar Land.

Average Car Insurance Rates by Gender

Gender Average
Male$73
Female$69

In general, car insurance rates for women are usually cheaper than they are for men. The difference in Sugar Land is around $4 per month. As you can see in the chart above, car insurance for women in the area typically costs around $69 each month, while men pay $73 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$88
Multiple Accidents$102
1 Ticket$106
Multiple Tickets$100

Your driving record can have a huge impact on your car insurance rates. Those with clean records can expect to pay significantly less than those with infractions. Drivers in Sugar Land with a single accident will pay around $88 a month. Similarly, drivers with one ticket will typically pay around $106 on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$72
2-3 Years$65
4-5 Years$70
6-7 Years$65
8-10 Years$76
11-14 Years$75
15 Years or Older$70

The cheapest vehicles to insure in Sugar Land are by and large trucks and vans, with each type typically costing about $63 per month.

SUV drivers will see rates of about $64, while the rates for car owners average out to about $75 a month.

The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Sugar Land, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$82
Married$56
Divorced$55
Widowed$54

Generally speaking, married policyholders will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

The cost of auto insurance in Sugar Land reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $26 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$62
Rent$72
Live with parents$95

Another factor that comes into play is your living accommodations. In Sugar Land, homeowners can expect to pay around $10 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall 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.

In Sugar Land, the rates for car insurance dropped from 2016-2018, when they hit a low of $65. This pattern leveled out in 2019, when they began to rise, and have continued on that road through the present, where insurance rates finished at $96 per 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 take into account numerous factors when figuring out how much to charge for a policy. Your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Crime
  • Amount of off-street parking
  • Laws
  • Road Safety (total number of local car accidents)
  • Amount of drivers in the area

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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.

Luckily, Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Sugar Land.

Compare the cheapest quotes from dozens of insurance companies

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 you can't control like your gender and age but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

Why is the cost of car insurance in Sugar Land different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Sugar Land?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

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 time, regardless of how long is left on your current policy. So, if you've recently moved to Sugar Land or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes