Compare Sparks, NV Car Insurance Rates (2021)

Car insurance in Sparks, NV averages $354 a month. Sparks, Nevada car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Sparks car insurance rates, compare quotes from the top car insurance companies in Sparks, NV.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Sparks, NV after a DUI are $5,084/year
  • The cheapest car insurance company in Sparks for teen drivers is USAA
  • The cheapest car insurance company in Sparks is USAA

If you need to buy Sparks, Nevada car insurance, the options can be confusing. Everything you need to know about car insurance in Sparks, NV is right here.

You’ll find Sparks car insurance rates, the cheapest Sparks, NV car insurance companies, and information on Nevada car insurance laws. You can also compare Sparks, Nevada car insurance rates to Mesquite car insurance rates, Las Vegas car insurance rates, and Reno car insurance rates.

Ready to find affordable Sparks, NV car insurance today? Enter your ZIP code for fast, free Sparks car insurance quotes.

Cheapest Sparks, NV Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Sparks, NV car insurance rates? Every Sparks, Nevada car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sparks, Nevada

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,656 $2,650 $2,442 $2,581 $8,709 $10,490 $2,868 $3,071
American Family $2,648 $2,648 $2,352 $2,352 $9,049 $11,861 $2,648 $3,082
Farmers $3,033 $3,113 $2,760 $3,115 $10,148 $10,807 $4,049 $4,089
GEICO $2,707 $2,619 $2,732 $2,767 $6,825 $6,250 $2,698 $2,309
Liberty Mutual $2,549 $2,750 $2,485 $2,794 $11,382 $12,673 $2,880 $3,024
Nationwide $2,038 $2,083 $1,859 $1,969 $5,013 $6,033 $2,424 $2,584
Progressive $2,028 $1,750 $1,776 $1,769 $8,834 $9,588 $2,365 $2,188
State Farm $3,201 $3,201 $2,902 $2,902 $10,074 $12,877 $3,592 $4,031
Travelers $1,850 $1,874 $1,771 $1,766 $9,714 $15,654 $2,053 $2,276
USAA $1,938 $1,903 $1,856 $1,845 $5,005 $5,638 $2,435 $2,590

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Minimum Car Insurance in Sparks, NV

Every driver must carry the minimum car insurance in Sparks, NV. Take a look at the Nevada car insurance requirements.

Minimum Required Car Insurance Coverage in Sparks, Nevada

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Sparks, NV Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Sparks, NV. Compare credit history car insurance rates in Sparks from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Sparks, Nevada

Insurance Company Poor Fair Good
Allstate $5,659 $4,121 $3,520
American Family $5,679 $4,330 $3,731
Farmers $6,022 $4,840 $4,555
GEICO $4,357 $3,613 $2,870
Liberty Mutual $7,267 $4,448 $3,486
Nationwide $3,536 $2,926 $2,540
Progressive $4,152 $3,725 $3,485
State Farm $9,791 $3,829 $2,422
Travelers $5,055 $4,529 $4,275
USAA $4,167 $2,497 $2,039

Cheapest Sparks, NV Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Sparks, NV to rates for a clean record with top companies.

Annual Sparks, Nevada Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,758 $4,397 $5,328 $4,251
American Family $3,679 $5,103 $5,496 $4,042
Farmers $4,283 $5,465 $5,659 $5,149
GEICO $2,492 $4,005 $4,891 $3,065
Liberty Mutual $3,710 $5,911 $5,949 $4,698
Nationwide $2,412 $3,096 $3,859 $2,635
Progressive $3,160 $4,340 $3,976 $3,673
State Farm $4,849 $5,846 $5,347 $5,347
Travelers $3,307 $4,931 $6,261 $3,981
USAA $2,223 $2,799 $4,071 $2,512

Cheapest Sparks, NV Car Insurance for Teen Drivers

Teen car insurance in Sparks, NV can be expensive. Take a look at rates from the top car insurance companies in Sparks for teenagers.

Annual Car Insurance Rates for Teen Drivers in Sparks, Nevada

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,709 $10,490
American Family $9,049 $11,861
Farmers $10,148 $10,807
GEICO $6,825 $6,250
Liberty Mutual $11,382 $12,673
Nationwide $5,013 $6,033
Progressive $8,834 $9,588
State Farm $10,074 $12,877
Travelers $9,714 $15,654
USAA $5,005 $5,638

Cheapest Sparks, NV Car Insurance for Seniors

Take a look at Sparks, NV senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Sparks, Nevada

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,442 $2,581
American Family $2,352 $2,352
Farmers $2,760 $3,115
GEICO $2,732 $2,767
Liberty Mutual $2,485 $2,794
Nationwide $1,859 $1,969
Progressive $1,776 $1,769
State Farm $2,902 $2,902
Travelers $1,771 $1,766
USAA $1,856 $1,845

Cheapest Sparks, NV Car Insurance Rates After a DUI

A DUI in Sparks, NV increases car insurance rates. Compare Sparks, Nevada DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Sparks, Nevada

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,328
American Family $5,496
Farmers $5,659
GEICO $4,891
Liberty Mutual $5,949
Nationwide $3,859
Progressive $3,976
State Farm $5,347
Travelers $6,261
USAA $4,071

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Cheapest Sparks, NV Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Sparks, NV by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Sparks, Nevada

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,433 $4,433
American Family $4,518 $4,642
Farmers $5,139 $5,139
GEICO $3,554 $3,673
Liberty Mutual $5,067 $5,067
Nationwide $3,000 $3,000
Progressive $3,787 $3,787
State Farm $5,188 $5,506
Travelers $4,620 $4,620
USAA $2,863 $2,940

Cheapest Sparks, NV Car Insurance Rates by ZIP Code

Sparks car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Sparks, NV.

Annual Car Insurance Rates by ZIP Code in Sparks, Nevada

ZIP Code Average Annual Rates
89431 $4,281
89434 $4,217
89436 $4,122

The Best Cheap Car Insurance Companies in Sparks, NV

Take a look at a side-by-side comparison of the top car insurance companies in Sparks, NV to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Sparks, Nevada

Insurance Company Average Annual Rates
Allstate $4,433
American Family $4,580
Farmers $5,139
GEICO $3,613
Liberty Mutual $5,067
Nationwide $3,000
Progressive $3,787
State Farm $5,347
Travelers $4,620
USAA $2,901

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Category Winners: Cheapest Car Insurance in Sparks, Nevada

Find the cheapest car insurance companies in Sparks, NV for each category right here.

Best Annual Car Insurance Rates by Company in Sparks, Nevada

Category Insurance Company
Teenagers USAA
Seniors Travelers
Clean Record USAA
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

Cheapest Sparks, NV Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Sparks car insurance rates. Find the cheapest Sparks, NV car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Sparks, Nevada

Insurance Company Low Medium High
Allstate $4,084 $4,476 $4,740
American Family $4,398 $4,850 $4,493
Farmers $4,636 $5,079 $5,703
GEICO $3,268 $3,539 $4,033
Liberty Mutual $4,674 $5,014 $5,514
Nationwide $2,960 $2,997 $3,044
Progressive $3,323 $3,657 $4,382
State Farm $4,891 $5,332 $5,820
Travelers $4,201 $4,640 $5,018
USAA $2,595 $2,875 $3,234

What affects car insurance rates in Sparks, Nevada?

What factors can have an impact on Sparks, NV car insurance? There are several reasons why Sparks car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Sparks, Nevada.

Car Theft in Sparks

High levels of vehicle theft can make car insurance more expensive. Sparks, NV car theft statistics from the FBI indicate 334 vehicle thefts a year.

Commute Time in Sparks

The more time you spend in your car the higher the risk of an accident. The average commute length in Sparks, NV is 23.1 minutes according to City-Data.

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Compare Car Insurance Quotes in Sparks, NV

Ready to find affordable Sparks, Nevada car insurance today? Enter your ZIP code for fast, free Sparks, NV car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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