Compare Sparta, OH Car Insurance Rates (2021)

Car insurance in Sparta, OH averages $225 a month. Sparta, Ohio 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, OH.

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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 Sparta, OH after a DUI are $3,145/year
  • The cheapest car insurance company in Sparta for teen drivers is American Family
  • The cheapest car insurance company in Sparta is American Family

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

You’ll find Sparta car insurance rates, the cheapest Sparta, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Sparta, Ohio car insurance rates to Columbus car insurance rates, Cincinnati car insurance rates, and Dayton car insurance rates.

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

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

How do age, gender, and marital status affect Sparta, OH car insurance rates? Every Sparta, Ohio 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, Ohio

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 $2,118 $2,114 $1,903 $2,035 $5,817 $6,666 $2,235 $2,395
American Family $916 $950 $831 $836 $2,714 $2,944 $1,126 $1,185
Farmers $1,766 $1,759 $1,556 $1,639 $7,647 $7,931 $1,977 $2,067
GEICO $1,322 $1,284 $1,232 $1,237 $3,519 $3,281 $1,469 $1,252
Liberty Mutual $1,581 $1,724 $1,222 $1,481 $8,139 $9,191 $1,682 $1,836
Nationwide $2,108 $2,122 $1,900 $1,918 $5,290 $6,843 $2,263 $2,640
Progressive $1,902 $1,802 $1,590 $1,638 $8,192 $9,223 $2,274 $2,345
State Farm $1,517 $1,517 $1,359 $1,359 $4,765 $5,985 $1,763 $2,022
Travelers $1,506 $1,531 $1,487 $1,480 $6,375 $10,045 $1,567 $1,807
USAA $881 $888 $840 $838 $2,730 $3,038 $1,177 $1,268

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Minimum Car Insurance in Sparta, OH

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

Minimum Required Car Insurance Coverage in Sparta, Ohio

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, OH Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Sparta, OH. 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, Ohio

Insurance Company Poor Fair Good
Allstate $4,060 $2,952 $2,469
American Family $1,901 $1,305 $1,107
Farmers $3,731 $3,149 $2,999
GEICO $2,187 $1,824 $1,462
Liberty Mutual $4,802 $2,951 $2,319
Nationwide $3,783 $3,049 $2,575
Progressive $4,081 $3,511 $3,271
State Farm $3,614 $2,233 $1,760
Travelers $3,610 $3,137 $2,928
USAA $1,890 $1,340 $1,143

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

Annual Sparta, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,664 $3,213 $3,757 $3,007
American Family $1,378 $1,457 $1,457 $1,457
Farmers $2,717 $3,496 $3,408 $3,550
GEICO $1,244 $1,788 $2,571 $1,695
Liberty Mutual $2,826 $3,616 $3,696 $3,291
Nationwide $2,508 $3,197 $4,062 $2,776
Progressive $3,125 $4,234 $3,329 $3,795
State Farm $2,309 $2,763 $2,536 $2,536
Travelers $2,381 $3,095 $4,660 $2,763
USAA $1,119 $1,500 $1,972 $1,239

Cheapest Sparta, OH Car Insurance for Teen Drivers

Teen car insurance in Sparta, OH 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, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,817 $6,666
American Family $2,714 $2,944
Farmers $7,647 $7,931
GEICO $3,519 $3,281
Liberty Mutual $8,139 $9,191
Nationwide $5,290 $6,843
Progressive $8,192 $9,223
State Farm $4,765 $5,985
Travelers $6,375 $10,045
USAA $2,730 $3,038

Cheapest Sparta, OH Car Insurance for Seniors

Take a look at Sparta, OH 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, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,903 $2,035
American Family $831 $836
Farmers $1,556 $1,639
GEICO $1,232 $1,237
Liberty Mutual $1,222 $1,481
Nationwide $1,900 $1,918
Progressive $1,590 $1,638
State Farm $1,359 $1,359
Travelers $1,487 $1,480
USAA $840 $838

Cheapest Sparta, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Sparta, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,757
American Family $1,457
Farmers $3,408
GEICO $2,571
Liberty Mutual $3,696
Nationwide $4,062
Progressive $3,329
State Farm $2,536
Travelers $4,660
USAA $1,972

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Cheapest Sparta, OH Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Sparta, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,160 $3,160
American Family $1,421 $1,455
Farmers $3,293 $3,293
GEICO $1,792 $1,857
Liberty Mutual $3,357 $3,357
Nationwide $3,136 $3,136
Progressive $3,621 $3,621
State Farm $2,473 $2,599
Travelers $3,225 $3,225
USAA $1,402 $1,513

The Best Cheap Car Insurance Companies in Sparta, OH

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

Average Annual Car Insurance Rates by Company in Sparta, Ohio

Insurance Company Average Annual Rates
Allstate $3,160
American Family $1,438
Farmers $3,293
GEICO $1,824
Liberty Mutual $3,357
Nationwide $3,136
Progressive $3,621
State Farm $2,536
Travelers $3,225
USAA $1,458

Category Winners: Cheapest Car Insurance in Sparta, Ohio

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

Best Annual Car Insurance Rates by Company in Sparta, Ohio

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

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

Annual Car Insurance Rates by Coverage Level in Sparta, Ohio

Insurance Company Low Medium High
Allstate $3,071 $3,155 $3,255
American Family $1,417 $1,448 $1,448
Farmers $3,131 $3,248 $3,499
GEICO $1,771 $1,817 $1,886
Liberty Mutual $3,233 $3,373 $3,466
Nationwide $3,466 $3,040 $2,901
Progressive $3,484 $3,589 $3,790
State Farm $2,410 $2,544 $2,653
Travelers $3,149 $3,266 $3,260
USAA $1,392 $1,456 $1,524

What affects car insurance rates in Sparta, Ohio?

What factors can have an impact on Sparta, OH 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, Ohio.

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, OH is 33.9 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, OH traffic data from INRIX ranks Sparta as the 491st-most congested in the world.

Compare Car Insurance Quotes in Sparta, OH

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

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