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Home » Auto Insurance » Sugar Land Car Insurance

Sugar Land Car Insurance Made Easy!

About 20 miles southwest of downtown Houston, Sugar Land, is one of the fastest-growing cities in the state of Texas. According to census.gov, the population of Sugar Land increased by 41% from 2010 to 2020. During that same period, reported car crashes have increased by 24%, according to txdot.gov. With residents commuting an average of 30 minutes on increasingly congested roadways, safety is critical. It is also paramount to make sure you are sufficiently protected should you be involved in an accident. Sugar Land car insurance is not only a legal obligation, but an ethical and monetary necessity to protect yourself, passengers, other drivers, and pedestrians alike.

The state of Texas requires that each driver have at least $30,000 in bodily injury liability coverage for each injured person, $60,000 per accident, and $25,000 in property damage liability per accident. These coverage limits are usually written as 30/60/25. With the average cost of a vehicle increasing year after year, a minimum limit auto insurance policy is barely adequate to cover you in a severe accident. Less than 0.20% of auto policies that we write in Texas are state minimum liability only. For this reason, we will focus on full coverage car insurance policies in this article unless otherwise stated. Full coverage auto insurance includes liability insurance plus both collision and comprehensive coverage.

How Much Does Sugar Land Car Insurance Cost?

The average cost for full coverage auto insurance in Sugar Land is $971.92 among TGS Insurance Agency customers. Car insurance rates differ considerably due to several constituents, based on you, your vehicle, and your location, among many other things.

What Affects My Car Insurance Rates in Sugar Land?

As mentioned above, there are many factors that go into calculating your car insurance premium. One of these factors is the coverages you select.

When we look at drivers with full coverage auto insurance, we are looking at drivers who have at least the minimum level of liability coverage required by the state plus comprehensive coverage and collision coverage. When you choose to include these coverages in your policy, you also have to select the coverage limits for each which is the highest amount your insurer will pay for a claim that your policy covers. The higher the limit you select, the higher your premium will be, but the less you will be liable for out-of-pocket should you have to file a claim.

In addition to these four core coverages, there are several add-on options available for Sugar Land drivers. The table below looks at some of the most popular optional coverages and the average percentage of Sugar Land drivers who have added them to their policy.

Coverage Type% of Drivers Opted In
Uninsured/Underinsured Motorist- Bodily Injury100%
Uninsured/Underinsured Motorist- Property Damage93.11%
Personal Injury Protection (PIP)70.39%
Rental Reimbursement62.67%
Towing & Labor (Roadside Assistance)37.74%

As mentioned, coverage selection is just one factor that influences your auto insurance premium. Some of the other things that auto insurance companies look at include, but are not limited to:

  • Driver’s age
  • Driver’s driving record
  • Driver’s claims history
  • Driver’s marital status
  • Driver’s credit score
  • Vehicle’s make and model
  • Vehicle’s use (is this a weekend car? Or is it used to commute daily?)
  • Location

Compare Houston Car Insurance Quotes with TGS Insurance Agency

There are many options available when it comes to Sugar Land car insurance. The best way to purchase the right auto insurance policy for your needs is to talk to an experienced insurance agent. TGS Insurance Agency now makes it easier than ever to insure your vehicle with a totally free, instant car insurance quote. (With zero hassle!) If you prefer to talk to someone from the start, TGS Insurance is always here for you- feel free to contact us at your earliest convenience!