Compare Sparta, KY Car Insurance Rates (2021)

Car insurance in Sparta, KY averages $391 a month. Sparta, Kentucky car insurance requirements are 25/50/25, 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, KY.

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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 for teen drivers is USAA
  • Average car insurance rates in Sparta, KY after a DUI are $5,594/year
  • The cheapest car insurance company in Sparta is USAA

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

You’ll find Sparta car insurance rates, the cheapest Sparta, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Sparta, Kentucky car insurance rates to Owensboro car insurance rates, Henderson car insurance rates, and Covington car insurance rates.

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

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

How do age, gender, and marital status affect Sparta, KY car insurance rates? Every Sparta, Kentucky 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, Kentucky

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 $3,259 $3,225 $2,939 $3,136 $12,156 $13,662 $3,619 $3,830
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $2,918 $3,158 $2,476 $2,756 $12,589 $13,900 $3,061 $3,194
Nationwide $3,300 $3,314 $2,972 $3,117 $7,450 $9,339 $3,740 $3,944
Progressive $2,356 $2,250 $2,101 $2,115 $11,275 $12,785 $2,929 $3,015
State Farm $2,480 $2,480 $2,213 $2,213 $7,571 $9,553 $2,770 $3,128
Travelers $2,292 $2,332 $2,255 $2,258 $11,081 $17,783 $2,397 $2,764
USAA $1,982 $1,993 $1,779 $1,819 $5,206 $5,502 $2,512 $2,760

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Minimum Car Insurance in Sparta, KY

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

Minimum Required Car Insurance Coverage in Sparta, Kentucky

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

Cheapest Sparta, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Sparta, KY. 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, Kentucky

Insurance Company Poor Fair Good
Allstate $7,576 $5,240 $4,368
GEICO $7,256 $3,623 $2,361
Liberty Mutual $7,884 $4,833 $3,801
Nationwide $5,647 $4,437 $3,858
Progressive $5,438 $4,725 $4,397
State Farm $5,872 $3,532 $2,748
Travelers $6,018 $5,094 $5,074
USAA $4,399 $2,446 $1,988

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

Annual Sparta, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,745 $6,199 $6,612 $5,356
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $4,578 $7,073 $5,498 $4,877
Nationwide $3,682 $4,781 $6,064 $4,062
Progressive $4,015 $5,924 $4,586 $4,888
State Farm $3,693 $4,409 $4,051 $4,051
Travelers $4,702 $4,837 $6,998 $5,044
USAA $2,219 $3,142 $3,746 $2,670

Cheapest Sparta, KY Car Insurance for Teen Drivers

Teen car insurance in Sparta, KY 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, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,156 $13,662
GEICO $7,170 $8,568
Liberty Mutual $12,589 $13,900
Nationwide $7,450 $9,339
Progressive $11,275 $12,785
State Farm $7,571 $9,553
Travelers $11,081 $17,783
USAA $5,206 $5,502

Cheapest Sparta, KY Car Insurance for Seniors

Take a look at Sparta, KY 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, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,939 $3,136
GEICO $3,742 $3,389
Liberty Mutual $2,476 $2,756
Nationwide $2,972 $3,117
Progressive $2,101 $2,115
State Farm $2,213 $2,213
Travelers $2,255 $2,258
USAA $1,779 $1,819

Cheapest Sparta, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Sparta, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,612
GEICO $7,199
Liberty Mutual $5,498
Nationwide $6,064
Progressive $4,586
State Farm $4,051
Travelers $6,998
USAA $3,746

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Cheapest Sparta, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Sparta, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,728 $5,728
GEICO $4,371 $4,456
Liberty Mutual $5,506 $5,506
Nationwide $4,647 $4,647
Progressive $4,853 $4,853
State Farm $3,955 $4,147
Travelers $5,395 $5,395
USAA $2,835 $3,054

The Best Cheap Car Insurance Companies in Sparta, KY

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

Average Annual Car Insurance Rates by Company in Sparta, Kentucky

Insurance Company Average Annual Rates
Allstate $5,728
GEICO $4,413
Liberty Mutual $5,506
Nationwide $4,647
Progressive $4,853
State Farm $4,051
Travelers $5,395
USAA $2,944

Category Winners: Cheapest Car Insurance in Sparta, Kentucky

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

Best Annual Car Insurance Rates by Company in Sparta, Kentucky

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

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Cheapest Sparta, KY 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, KY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Sparta, Kentucky

Insurance Company Low Medium High
Allstate $5,357 $5,707 $6,120
GEICO $4,176 $4,404 $4,660
Liberty Mutual $5,282 $5,476 $5,761
Nationwide $4,735 $4,596 $4,611
Progressive $4,539 $4,802 $5,219
State Farm $3,862 $4,051 $4,240
Travelers $5,120 $5,420 $5,646
USAA $2,827 $2,938 $3,068

What affects car insurance rates in Sparta, Kentucky?

What factors can have an impact on Sparta, KY 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, Kentucky.

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, KY is 19.4 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, KY traffic data from INRIX ranks Sparta as the 491st-most congested in the world.

Compare Car Insurance Quotes in Sparta, KY

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

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