Shop Sugar Land Texas Car Insurance Rates

Not all Texan insurance policies are the same and this is ever apparent when comparing auto insurance. Although there are many different factors that affect auto insurance in Sugar Land, TX, compared to the national average of $1,449 per year, Texans can expect to pay more than $1,900 per year for their coverage. That means that drivers in Texas are spending nearly $160 per month on average for their auto insurance premium.

Texan auto insurance policies are some of the highest in the nation but a number of factors including some personal factors are going to all go into calculating how much you’ll pay for your protection. Knowing how much other drivers in your city are paying for car insurance, however, can help you know an estimate of how much you too will pay, and show you areas in which you may be able to save money.

Cheap insurance usually means cutting corners for less protection, but it doesn’t have to. Compare car insurance policies and brands and you can find the best car insurance available for your needs. Freedom Insurance Group has helped serve drivers in Sugar Land, TX, since 2005 and continues to provide affordable car insurance that is custom built to your needs. Learn how you can stay protected without overpaying for your coverage.

How Much Is Auto Insurance in Sugar Land, Texas, Per Month?

The monthly cost for auto insurance in Sugar Land, Texas will vary based on a number of factors. You’ll notice that different demographics and brands will create higher premiums than others on average. Here are some of the average monthly rates you’ll see as a driver in the market of Sugar Land, TX:

Average Monthly Auto Insurance by Age:

Age Range

Av. Premium

Under 18

$358

18-24

$120

25-34

$68

35-44

$60

45-54

$58

55-64

$55

65+

$68


Average Monthly Auto Insurance by Vehicle:

Vehicle Age

Av. Monthly Premium

Less than 1 Year

$75

2-3 Years

$67

4-5 Years

$72

6-7 Years

$67

8-10 Years

$78

11-14 Years

$77

15 Years or older

$72

 

Average Monthly Auto Insurance by Carrier:

Rank

Company

Av. Monthly Rate

1

Allstate

$80

2

Progressive

$99

3

Safeco

$118

4

Travelers

$121

5

Kemper

$126

6

Bristol West

$131

7

Infinity

$142

8

Gainsco

$168

9

Others

$186+

 

Average Monthly Auto Insurance by Housing Status:

Housing Status

Av. Monthly Premium

Own

$64

Rent

$74

Live with parents

$97

 

Average Monthly Auto Insurance by Relationship Status:

Relationship

Av. Monthly Premium

Single (never married)

$84

Married

$58

Divorced

$57

Widowed

$56

Average Monthly Auto Insurance by Driving Record:

Infractions

Av. Monthly Premium

1 accident

$90

Multiple accidents

$104

1 Ticket

$108

Multiple tickets

$123

Why Is Car Insurance Cost So Expensive in Sugar Land, TX?

Finding the reason car insurance costs are rising in Sugar Land, TX, can be a complex endeavor. This is because there are many different reasons for the rise in costs that are affected by a number of factors including everything from inflation to the amount of coverage you need. Here are some of the most popular reasons cheap car insurance is getting harder to find for drivers:

Sugar Land Has High Population Density

It’s no secret that Sugar Land ranks among the 10 fastest growing cities in the U.S., and with this population growth comes an increase in traffic. Most Texans live in metropolises such as the Houston metro area which means they are located close together. Overall, 80% of the American population is made up of an urban population but the statewide total of 84% of Texans living in urban areas further solidifies this shift for the Lone Star State.

On average, drivers living in metro areas pay higher auto insurance premiums than those living in rural areas. The reason? There is more risk driving in more populated cities because there are more drivers, a higher risk for theft/vandalism, and more traffic. These factors and more are considered by car insurance companies and create a higher premium that reflects the higher level of risk to be insured.

A Higher Number of Accidents

Texas is number one in fatal car accidents. Such claims are tragic for the drivers involved and expensive for the car insurance companies that will pay expensive claims. Because of this heightened level of risk, Texans can expect to pay higher auto insurance premiums.

Speed Limits Are Higher in Texas</p>

Whether it’s a short trip up I-69 to head into Houston to visit Discovery Green, or a weekend trip out to Austin, it becomes apparent for drivers in Sugar Land, Texas, the need for faster speed limits. But while these faster speeds may help you reach your destination faster, they are also costing you more in auto insurance premiums.

Texas has the fastest average allowable speed of 75 MPH along with the fastest speed in the United States reaching 85 MPH. The higher amount of vehicles along with higher speeds create higher risks that cost car insurance companies more money. These costs are then passed on to drivers who will pay higher rates.

Uninsured Motorists

15% of all drivers in Texas are on the road without adequate auto insurance, which is slightly higher than the nation’s average. All drivers in Texas are required to carry a minimum amount of liability coverage to be driving legally and because so many do not, your risk of filing an uninsured driver claim is higher within the state than in others.

Longer Travel Times

A trip across any point of the Houston metro area can prove the long miles that it takes to literally get across town. Even a shorter trip from Sugar Land, TX, to Pearland or Katy, can take quite some time for a commute meaning that there is more time in traffic and more risk of an accident as a result. The average commute time for drivers in Sugar Land, Texas, is just a hair under 29 minutes long.

General Driving Trends Across Texas

The more you drive, the more likely you are to be in an accident, and if you’re going to live in the second largest state by both landmass and population, you’re going to drive far and around many other drivers. These threats mean that you can expect to pay higher premiums in Texas than in many other states.

The Minimum Requirements for Auto Insurance Are Higher in Texas Than Other States

Texas law requires higher minimum levels of auto insurance coverage than in other states. While this means that drivers are going to pay more for protection, it’s also an important component that is done to protect drivers from the rising costs of labor, parts, and medical expenses. Texans must carry at least $30,000 coverage for injuries per individual, $60,000 for injuries per accident, and $25,000 worth of coverage for property damage.

Sugar Land, TX Natural Disasters

With proximity to the Gulf Coast, Sugar Land, TX, drivers are susceptible to facing a variety of natural disasters including tropical storms which can bring flooding and extreme wind damage. Severe thunderstorms are also a factor for the area which can bring flash floods, damaging hail, tornadoes, and more. But even other natural disasters that aren’t as prevalent are going to affect your rates. Texas as a whole has seen other disasters including wildfires bring auto insurance rates up across the board.

Personal Factors Have Large Impact on Texas Rates

Your personal factors can and will affect how much you pay for your car insurance premiums. It’s also a big reason why your auto insurance rates will vary from brand to brand and between you and a similar driver. Here are some of the most universal personal factors assessed by car insurance companies:

  • Your age.

  • Where you live and drive.

  • Your driving record.

  • Your claims history.

  • Your vehicle.

  • The amount of coverage you need.

  • Your deductible.

Every auto insurance brand is going to look at the above factors, but they are also going to do so in their unique way using proprietary algorithms to deliver their calculations. The main thing to remember is that drivers who have less risk will pay less and drivers with more risk will pay more for coverage.

Auto Insurance Discounts for Drivers in Sugar Land, TX

To receive the best car insurance quotes, you’re going to need to know about the best available car insurance discounts available to you. There are plenty of discount options available, which is good because while you might not qualify for everything, you’re almost certainly going to qualify for something that can help you save more on your coverage. Take a closer look at some of the most common auto insurance discounts that drivers in Sugar Land, Texas, can take advantage of:

Bundling Discount

A popular discount for homeowners and renters is the bundling discount. When you combine your auto insurance policy with a rental policy or homeowners insurance in Sugar Land, TX, you can enjoy serious savings while being better protected. Drivers can also enjoy savings due to multi-policy discounts which can take multiple vehicles and combine coverages for great savings. Progressive helps drivers save an average of 12% when insuring multiple vehicles and 5% for drivers who purchase multiple policies.

· Potential Savings: 1% – 17%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Billing Discount

When auto insurance companies save on overhead, they often pass some of the savings on to you as a driver. The Internet provides drivers the ability to pay less for auto insurance by either paying electronically, setting up automatic billing, or even paying for your coverage all at once. Each of these avenues can provide savings for you with Allstate being a prime example as a brand that provides large discounts for drivers who use automatic billing to pay for their premium. This is an extremely popular discount in Texas with virtually every auto insurance company offering some form of this discount.

· Potential Savings: 2% – 25%

· Major insurers offering this discount: Progressive, Safeco, Allstate, and Travelers.

Customer Loyalty Discount

Although switching your auto insurance can provide considerable savings, so can keeping the same brand. We recommend that all drivers review their coverage and insurance brand at least annually, but it’s important to also check for customer loyalty discounts which can provide long-term customers with plenty of incentive to stay.

· Potential savings: 2% – 10%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Customer Retention Discount

In a similar vein, auto insurance companies want to keep you as a customer instead of losing you to a rival. Some car insurance companies are going to provide you with a last-minute offer that can give you great savings so that you won’t switch to another brand.

· Potential Savings: Up to 10%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

New Customer Discount

If you do look to switch your auto insurance, there are brands that may provide you with discounts for being a new customer. Drivers in Sugar Land, TX, may find that Travelers Insurance is a popular brand to provide such discounts offering as much as a 10% discount. For more savings, drivers will need to get a car insurance quote before their current policy expires as the farther in advance you purchase your policy, the more savings you’ll receive.

· Potential Savings: 5% – 15%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Continuously Insured Discount

Staying insured helps you avoid paying penalties associated with any lapse in coverage. You can also receive great discounts from brands such as Progressive all by providing proof of insurance over the last six months that you’ve been a driver.

· Potential Savings: 5% – 25%

· Major insurers offering this discount: Progressive and Travelers.

Good Student Discount

Young drivers are forced to pay more than any other demographic because they statistically hold more risk. If you are a student maintaining a “B” or higher average, you can get up to 20% savings on your auto insurance which can lead to substantial savings. Progressive values education and provides as much as 15% for good students, though some brands may even provide higher savings.

· Potential Savings: 5% – 20%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Resident Student Discount

Young drivers living at least 100 miles away from the insured vehicle for college can receive a great discount on their premium. Some brands offer as much as 35% off of their price and Travelers Insurance is a popular option for such savings.

· Potential Savings: 7% – 35%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Good Driver Discount</p>

Insurance companies love good drivers because they are less risky to insure and help keep accidents down. There are many different criteria among auto insurance brands but many carriers provide some form of this discount. This may mean that you have gone a certain period of time without a claim being submitted, while others may apply the discount even if you have a history of claims, so long as they haven’t been submitted as of late. Safeco provides such savings for its clients who don’t submit a claim or commit a moving violation within five years.

· Potential Savings: 10% – 30%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Usage-Based Discount

Through various devices and apps, auto insurance agencies can track the way you drive and by practicing safe driving habits, you can receive savings. Drivers who exhibit low usage habits may also receive a discount. Progressive’s “Snapshot” program can offer drivers an average of $145 in savings, while Safeco’s “Righttrack” program can also save drivers as much as 30%. Other popular brands include Travelers Insurance’s “Intellidrive” and “Drivewise”, a telematics program offered by Allstate.

· Potential Savings: Up to 30%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Mature Driver Discount

Drivers the age of 55 years or older may have opportunities to save money, though it should be noted that a senior driving course may first be required by your insurance company.

· Potential Savings: 1% – 15%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Occupational Discount

Certain occupations are less likely to get into accidents or make less expensive claims than others on average. Because insurance companies take many things into consideration when calculating your premium, these jobs can help you save money. Progressive and Safeco are two larger brands that offer these savings in Texas.

· Potential Savings: 10% – 20%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Married Discount

For better or for worse, marriage is a factor when creating your auto insurance premium and if you are married, you can receive a lower insurance rate because you are statistically less likely to be involved in an accident.

· Potential Savings: 10% – 20%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Homeowner Discount

Car insurance companies are all looking to manage risk and because homeowners are seen as more financially stable than non-homeowners, they can receive discounts. Homeowners can also receive discounts through bundling, but some brands don’t require bundles to receive savings. Travelers Insurance gives drivers who are homeowners up to 5% in savings regardless of who they are enrolled with for their homeowners insurance policy.

· Potential Savings: 2% – 10%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Safety Features Discount

Having safety features including stability control, anti-theft features, and anti-lock brakes can help keep you safe and save you money each month on your auto insurance premium. This is a great discount option for people with newer vehicles that have more safety features than older models and it is a great way to keep the insurance costs of newer vehicles lower.

· Potential Savings: 4% – 40%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Passive Restraints Discount

Some auto insurance companies provide discounts for vehicles which come with restraints such as airbags and automatic seatbelts.

· Potential Savings: 2% – 40%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Anti-Theft System Discount

Over 65,000 vehicles are stolen each year in the state of Texas, part of the reason car insurance is so high in Sugar Land, Texas. Auto insurance companies offer discounts for anti-theft features such as LoJack, car alarms, and steering wheel locks.

· Potential Savings: 5% – 25%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

New Car Discount

Newer vehicles come with state-of-the-art technology and many times this means improved safety features, which insurance companies love. If your vehicle comes with safety features such as backup cameras or blind spot sensors, some insurance brands may provide savings for you. Travelers is known to give as much as 10% off of their auto insurance premium for new vehicles that meet the right criteria.

· Potential Savings: 5% – 20%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Organizational Discount

Although most auto insurance companies in Sugar Land, Texas, refrain from such discounts, if you are a part of a credit union, auto club such as AAA, or an alumni group, you may be able to receive savings as a result.

· Potential Savings: 2% – 20%

Driver Education Discount

Defensive driving classes or other safe driving courses that are approved by auto insurance companies can help you become a better driver and receive lower premiums. However, such discounts are becoming rarer and rarer in the state of Texas.

· Potential Savings: 2% – 3%

· Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

What Type of Auto Insurance Is Required in Sugar Land, Texas?

Drivers have many different perils that can cause damage to their vehicles among other things. It’s important to understand the risks you face to determine the right amount of coverage for your vehicle. Assessing your auto insurance can help drivers like you find the best approach to coverage that won’t leave you high and dry when it’s time to rely on your financial safety net.

Sticking with minimum coverage only may save you a few bucks upfront, but failure to enroll in additional coverage can open you up to expenses related to medical costs, repairs, and even legal fees.

FIG has been helping drivers in Sugar Land, Texas, since 2005, and can provide you with the right level of protection without having you overpay to receive it. Learn your coverage options and if you have any questions, ask an agent of ours to best understand the coverages that best fit your needs:

Liability Coverage

Again, all drivers in Texas are required to carry liability coverage no matter what, it’s the law. Here is a refresher of the minimum coverage limits you’ll need to purchase:

  • $30,000 coverage for damage per person.

  • $60,000 for every encounter.

  • $25,000 compensation for property damage.

If you are only covered with the minimum amount of liability coverage, you will receive savings, but may lack all of the protection you need. This means that you could be paying for a variety of expenses including labor, materials, and medical costs in the aftermath of an accident.

Collision Coverage

While liability coverage will help you pay for another party’s vehicle after a wreck, what about restoring the damage to yours? If you are at-fault, you’ll need collision coverage to help you restore the damage to your own vehicle or you could have to come up with the funds out of your own pocket. Texas drivers can even receive compensation for pothole damage through this coverage. Note: you’ll be required to pay a deductible for this coverage.

Comprehensive Coverage

A comprehensive coverage auto insurance policy will help protect your vehicle against many different perils that may come outside of driving and getting into a wreck. This includes theft, weather damage, etc. You will have to pay deductibles, but your policy will help you restore such losses to your vehicle. Customers who combine liability, collision, and comprehensive coverages can enroll in what is called “full coverage” auto insurance for greater protection at a lower cost.

Medical Payment Coverage

Medical expenses for you and your passengers after an accident can be quite expensive. Your medical payment coverage can help you pay for such costs even if you are the one who caused the accident.

Personal Injury Protection (PIP)

Texas allows PIP coverage which can help pay for you and your passengers medical expenses as well as non-medical expenses such as lost wages.

Uninsured Motorist Coverage

Although most drivers in Texas do the right thing and carry auto insurance, many do not. Some motorists avoid doing the right thing altogether and will hit your vehicle and then flee the scene. Others may have auto insurance, but won’t have enough to help fully restore your loss. Whatever the case may be, it’s important to be prepared, which is why uninsured motorist coverage is important. Otherwise, you may be paying to restore such losses on your own.

Towing and Labor Coverage

Being stuck on the side of the road is never a place any motorist wishes to be. Vehicle insurance comes in many different forms, and while towing and labor coverage is optional, it can help you avoid hefty towing costs to a repair shop. You can also receive additional forms of roadside assistance such as delivering gas or oil to you if you are in a bind, locksmith services, jumpstarting your battery, replacing a punctured tire, and more.

Rental Reimbursement Coverage

Renting a vehicle after an accident can be an expensive venture, but chances are, you’ll still need a ride to the places you need to be such as the store or work. Rental reimbursement coverage can help you pay for such expenses by reimbursing you for your rental and possibly even taxi rides while you vehicle is stuck in the repair shop.

Does Auto Insurance Follow the Car or Driver in Sugar Land, TX?

Your auto insurance policy will be used if someone uses your vehicle to drive and is involved in an accident. So, if you allow a friend to borrow your car for a quick trip to shop at the Sugar Land Town Square and they are involved in a fender bender in the parking lot, you’ll have to rely on your policy to restore such losses.

If you are needing to borrow a vehicle and don’t own one, a non-owner liability policy is necessary to stay protected while on the road. Property damage and bodily injury liability costs can be mitigated in the event of an accident while driving a borrowed vehicle.

Why Auto Insurance Companies in Sugar Land, TX Deny Claims

You can submit an auto insurance claim, but that doesn’t mean that it’ll be automatically taken care of. There are plenty of common reasons auto insurance companies won’t accept a claim and may even deny your renewal as a customer:

  • You haven’t paid your premiums.

  • The claim you’ve submitted was fraudulent.

  • You’re providing false information during the application process and/or committing insurance fraud.

  • Failing to get the right documentation to your insurance company on time.

  • You are listed as an excluded driver on the policy.

Sugar Land, TX Zip Codes For Auto Insurance

  • 77469

  • 77478

  • 77479

  • 77487

  • 77496

  • 77498

There are many Sugar Land, TX, zip codes and if you don’t see yours listed, don’t worry. We help drivers all throughout Texas and are ready to help you save money and find the best auto policy for your needs.

Affordable Auto Insurance in Sugar Land, TX

It’s no secret that there are many different insurance brands available to drivers in Sugar Land, Texas, but finding the best car insurance company is easier than it seems. In order for drivers to be sure that they are getting the best bang for their buck, it’s important to find an appropriate level of auto insurance from trustworthy insurance providers all at the lowest cost on the market.

The best car insurance is going to be different for each driver because the needs and factors surrounding each driver are going to be different. By comparing your coverage needs among various auto insurance providers, you can narrow it down to the best brand for your needs and enroll with the company offering the lowest rate.

Freedom Insurance Group helps clients connect with only the best auto insurance companies available to Texans. Our insurance center works with 25+ top-rated insurance brands. Through our established relationships, we are able to compare your coverage needs and instantly find the best protection for drivers at the lowest price possible. On average, our clients save 40% on their insurance premiums.

Affordable auto insurance in Sugar Land, TX, is only a few clicks away. Use our free online tool for an accurate auto insurance quote, or feel free to contact one of our agents today!

Insurance for Texans should be affordable and reliable. We can deliver both through a wide range of protections. Freedom Insurance specializes in the following Texas Insurance Services:

Contact Us

Freedom Insurance Group
3861 Long Prairie Rd Ste 110
Flower Mound, TX 75028
Phone: (972) 798-3769

BUSINESS HOURS

M-F: 8:30 am - 6:00 pm
SAT: 10:00 am- 2:00 pm
SUN: closed

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