Average Cost of Car Insurance in Sugar Land, TX, is $1,398

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The average cost of auto insurance in Sugar Land is $1,398. This is lower than the cost of auto insurance in neighboring places such as Fresno, New Territory, and Mission Bend, and also lower than the average cost of auto insurance in the state of Texas. The cost of auto insurance is influenced by numerous factors, some of which are explored here. The factors can range from the make and model of the vehicle to the rate of deducible. The cost of auto insurance also depends on the neighborhood one lives in Sugar Land. This could be due to the rate of auto thefts in that area. Zimlon provides car owners with the option of keying in their zip code to get accurate insurance quotes from different auto insurance companies.

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Auto Insurance Requirements:

    Texas law requires the following:

Liability Coverage- 30,000 of coverage for injuries per person.

    Up to a total of $60,000 per accident

    $25,000 of coverage for property damage

Deductibles:

Deductibles are one of the most common factors affecting the cost of auto insurance in Sugar Land, TX. A higher deductible leads to a decrease in the cost of auto insurance, while a low deductible leads to an increase in the same. For instance, the cost of auto insurance when the deductible is $500 (Kia, Rio SX) is $1,430. This goes down to $1,340 when the deductible is higher at $1,000. 

Demographic:

Age and gender are other factors that affect the cost of auto insurance. As the above infographic indicates, married women find auto insurance to be cheap, at $1,286. The cost of auto insurance increases for drivers with minimum driving experience. Teenagers are considered to be unsafe drivers. Male teenagers have to pay $3,187 on an average, while female teenagers pay $2,670. Women are generally considered to be safer drivers.

Driving Record:

Possessing a clean driving record always helps in obtaining cheaper auto insurance. In contrast, a driving record riddled with multiple violations will only increase the cost of auto insurance. For example, post-DUI, the average cost of auto insurance in Sugar Land, increases to $2,600. Other violations that could lead to a massive increase include driving with an expired license and running a red light.