Compare Sparta, IL Car Insurance Rates (2021)

Car insurance in Sparta, IL averages $283 a month. Sparta, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Sparta car insurance rates, compare quotes from the top car insurance companies in Sparta, IL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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

  • The cheapest car insurance company in Sparta is Liberty Mutual
  • The cheapest car insurance company in Sparta for teen drivers is State Farm
  • Average car insurance rates in Sparta, IL are $3,400/year

If you need to buy Sparta, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Sparta, IL is right here.

You’ll find Sparta car insurance rates, the cheapest Sparta, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Sparta, Illinois car insurance rates to Springfield car insurance rates, Joliet car insurance rates, and Naperville car insurance rates.

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

Cheapest Sparta, IL Car Insurance Rates By Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sparta, Illinois

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 $3,281 $3,298 $3,420 $3,420 $8,381 $10,841 $3,938 $4,249
American Family $2,495 $2,495 $2,278 $2,278 $6,945 $9,682 $2,495 $3,213
Farmers $2,434 $2,442 $2,160 $2,279 $10,304 $10,771 $2,773 $2,906
GEICO $1,863 $1,866 $1,757 $2,095 $5,690 $6,014 $2,318 $2,254
Liberty Mutual $1,454 $1,570 $1,205 $1,347 $4,793 $5,334 $1,523 $1,612
Nationwide $2,375 $2,419 $2,104 $2,236 $6,607 $8,514 $2,773 $3,012
Progressive $2,248 $2,142 $1,851 $1,940 $7,662 $8,619 $2,675 $2,875
State Farm $1,555 $1,555 $1,376 $1,376 $4,266 $5,436 $1,753 $2,000
Travelers $1,579 $1,666 $1,433 $1,528 $4,506 $5,627 $1,676 $1,766
USAA $1,590 $1,613 $1,481 $1,454 $5,175 $5,692 $2,089 $2,289

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Minimum Car Insurance in Sparta, IL

Every driver must carry the minimum car insurance in Sparta, IL. Take a look at the Illinois car insurance requirements.

Minimum Required Car Insurance Coverage in Sparta, Illinois

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 Sparta, IL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Sparta, Illinois

Insurance Company Poor Fair Good
Allstate $6,539 $4,678 $4,095
American Family $5,316 $3,601 $3,038
Farmers $5,126 $4,303 $4,096
GEICO $4,796 $2,334 $1,816
Liberty Mutual $3,335 $2,076 $1,652
Nationwide $4,492 $3,613 $3,159
Progressive $4,297 $3,622 $3,335
State Farm $3,513 $2,102 $1,629
Travelers $3,021 $2,424 $1,972
USAA $3,553 $2,447 $2,019

Cheapest Sparta, IL 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 Sparta, IL to rates for a clean record with top companies.

Annual Sparta, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,682 $6,208 $5,722 $4,802
American Family $2,930 $4,153 $5,533 $3,325
Farmers $3,815 $4,904 $4,782 $4,534
GEICO $2,183 $2,944 $4,060 $2,741
Liberty Mutual $1,962 $2,782 $2,448 $2,227
Nationwide $3,008 $3,920 $4,625 $3,468
Progressive $3,099 $4,552 $3,432 $3,922
State Farm $2,219 $2,610 $2,415 $2,415
Travelers $1,969 $2,577 $2,873 $2,471
USAA $1,903 $2,742 $3,750 $2,297

Cheapest Sparta, IL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Sparta, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,381 $10,841
American Family $6,945 $9,682
Farmers $10,304 $10,771
GEICO $5,690 $6,014
Liberty Mutual $4,793 $5,334
Nationwide $6,607 $8,514
Progressive $7,662 $8,619
State Farm $4,266 $5,436
Travelers $4,506 $5,627
USAA $5,175 $5,692

Cheapest Sparta, IL Car Insurance for Seniors

Take a look at Sparta, IL 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 Sparta, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,420 $3,420
American Family $2,278 $2,278
Farmers $2,160 $2,279
GEICO $1,757 $2,095
Liberty Mutual $1,205 $1,347
Nationwide $2,104 $2,236
Progressive $1,851 $1,940
State Farm $1,376 $1,376
Travelers $1,433 $1,528
USAA $1,481 $1,454

Cheapest Sparta, IL Car Insurance Rates After a DUI

A DUI in Sparta, IL increases car insurance rates. Compare Sparta, Illinois DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Sparta, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,722
American Family $5,533
Farmers $4,782
GEICO $4,060
Liberty Mutual $2,448
Nationwide $4,625
Progressive $3,432
State Farm $2,415
Travelers $2,873
USAA $3,750

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Cheapest Sparta, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Sparta, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,104 $5,104
American Family $3,933 $4,037
Farmers $4,509 $4,509
GEICO $2,920 $3,043
Liberty Mutual $2,355 $2,355
Nationwide $3,755 $3,755
Progressive $3,751 $3,751
State Farm $2,353 $2,476
Travelers $2,376 $2,569
USAA $2,598 $2,748

The Best Cheap Car Insurance Companies in Sparta, IL

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

Average Annual Car Insurance Rates by Company in Sparta, Illinois

Insurance Company Average Annual Rates
Allstate $5,104
American Family $3,985
Farmers $4,509
GEICO $2,982
Liberty Mutual $2,355
Nationwide $3,755
Progressive $3,751
State Farm $2,415
Travelers $2,473
USAA $2,673

Category Winners: Cheapest Car Insurance in Sparta, Illinois

Find the cheapest car insurance companies in Sparta, IL for each category right here.

Best Annual Car Insurance Rates by Company in Sparta, Illinois

Category Insurance Company
Teenagers State Farm
Seniors Liberty Mutual
Clean Record USAA
With 1 Accident Travelers
With 1 DUI State Farm
With 1 Speeding Violation Liberty Mutual

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Cheapest Sparta, IL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Sparta, Illinois

Insurance Company Low Medium High
Allstate $4,910 $5,098 $5,303
American Family $3,854 $4,131 $3,970
Farmers $4,288 $4,398 $4,839
GEICO $2,726 $2,965 $3,256
Liberty Mutual $2,226 $2,350 $2,488
Nationwide $3,730 $3,788 $3,747
Progressive $3,422 $3,731 $4,102
State Farm $2,291 $2,418 $2,534
Travelers $2,324 $2,470 $2,623
USAA $2,486 $2,670 $2,862

What affects car insurance rates in Sparta, Illinois?

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

Commute Time in Sparta

The more time you spend in your car the higher the risk of an accident. The average commute length in Sparta, IL is 23.8 minutes according to City-Data.

Traffic in Sparta

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Sparta, IL traffic data from INRIX ranks Sparta as the 491st-most congested in the world.

Compare Car Insurance Quotes in Sparta, IL

Ready to find affordable Sparta, Illinois car insurance today? Enter your ZIP code for fast, free Sparta, IL car insurance quotes.

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Average Monthly Car Insurance Rates by State