Compare Sparta, TN Car Insurance Rates (2021)

Car insurance in Sparta, TN averages $281 a month. Sparta, Tennessee car insurance requirements are 25/50/15, 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, TN.

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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

  • Average car insurance rates in Sparta, TN after a DUI are $3,986/year
  • The cheapest car insurance company in Sparta for teen drivers is State Farm
  • The cheapest car insurance company in Sparta is State Farm

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

You’ll find Sparta car insurance rates, the cheapest Sparta, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Sparta, Tennessee car insurance rates to Johnson City car insurance rates, Clarksville car insurance rates, and Jackson car insurance rates.

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

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

How do age, gender, and marital status affect Sparta, TN car insurance rates? Every Sparta, Tennessee 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, Tennessee

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 $2,507 $2,405 $2,260 $2,345 $9,454 $10,284 $2,665 $2,756
Farmers $1,344 $1,369 $1,205 $1,320 $5,379 $5,735 $1,821 $1,931
GEICO $2,356 $2,378 $2,171 $2,171 $7,151 $7,280 $2,393 $2,469
Liberty Mutual $3,535 $129 $2,903 $3,238 $14,296 $15,876 $3,798 $4,056
Nationwide $2,076 $2,095 $1,860 $1,893 $5,610 $7,244 $2,381 $2,590
Progressive $1,757 $1,662 $1,428 $1,493 $7,843 $8,837 $2,121 $2,325
State Farm $1,317 $1,317 $1,186 $1,186 $4,003 $4,998 $1,487 $1,734
Travelers $1,661 $1,746 $1,520 $1,616 $4,745 $5,894 $1,765 $1,857
USAA $1,459 $1,484 $1,317 $1,316 $5,185 $5,947 $1,900 $2,026

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Minimum Car Insurance in Sparta, TN

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

Minimum Required Car Insurance Coverage in Sparta, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Sparta, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Sparta, TN. 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, Tennessee

Insurance Company Poor Fair Good
Allstate $5,523 $4,237 $3,243
Farmers $2,985 $2,340 $2,214
GEICO $4,024 $3,446 $3,169
Liberty Mutual $8,580 $5,251 $4,107
Nationwide $3,876 $3,066 $2,714
Progressive $3,866 $3,327 $3,106
State Farm $3,124 $1,877 $1,459
Travelers $3,299 $2,604 $1,898
USAA $3,741 $2,190 $1,806

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

Annual Sparta, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,625 $4,323 $5,237 $4,152
Farmers $2,153 $2,649 $2,702 $2,548
GEICO $2,575 $3,453 $5,581 $2,575
Liberty Mutual $4,847 $6,984 $6,503 $5,581
Nationwide $2,786 $2,786 $4,181 $3,123
Progressive $3,025 $3,922 $3,221 $3,565
State Farm $1,964 $2,343 $2,153 $2,153
Travelers $2,106 $2,708 $2,994 $2,593
USAA $1,878 $2,809 $3,305 $2,326

Cheapest Sparta, TN Car Insurance for Teen Drivers

Teen car insurance in Sparta, TN 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, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,454 $10,284
Farmers $5,379 $5,735
GEICO $7,151 $7,280
Liberty Mutual $14,296 $15,876
Nationwide $5,610 $7,244
Progressive $7,843 $8,837
State Farm $4,003 $4,998
Travelers $4,745 $5,894
USAA $5,185 $5,947

Cheapest Sparta, TN Car Insurance for Seniors

Take a look at Sparta, TN 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, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,260 $2,345
Farmers $1,205 $1,320
GEICO $2,171 $2,171
Liberty Mutual $2,903 $3,238
Nationwide $1,860 $1,893
Progressive $1,428 $1,493
State Farm $1,186 $1,186
Travelers $1,520 $1,616
USAA $1,317 $1,316

Cheapest Sparta, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Sparta, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,237
Farmers $2,702
GEICO $5,581
Liberty Mutual $6,503
Nationwide $4,181
Progressive $3,221
State Farm $2,153
Travelers $2,994
USAA $3,305

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Cheapest Sparta, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Sparta, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,334 $4,334
Farmers $2,513 $2,513
GEICO $3,525 $3,568
Liberty Mutual $5,979 $5,979
Nationwide $3,219 $3,219
Progressive $3,433 $3,433
State Farm $2,103 $2,204
Travelers $2,498 $2,702
USAA $2,507 $2,652

The Best Cheap Car Insurance Companies in Sparta, TN

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

Average Annual Car Insurance Rates by Company in Sparta, Tennessee

Insurance Company Average Annual Rates
Allstate $4,334
Farmers $2,513
GEICO $3,546
Liberty Mutual $5,979
Nationwide $3,219
Progressive $3,433
State Farm $2,153
Travelers $2,600
USAA $2,579

Category Winners: Cheapest Car Insurance in Sparta, Tennessee

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

Best Annual Car Insurance Rates by Company in Sparta, Tennessee

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

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

Annual Car Insurance Rates by Coverage Level in Sparta, Tennessee

Insurance Company Low Medium High
Allstate $4,181 $4,324 $4,498
Farmers $2,384 $2,504 $2,651
GEICO $3,385 $3,539 $3,715
Liberty Mutual $5,741 $5,977 $6,219
Nationwide $3,248 $3,149 $3,259
Progressive $3,243 $3,432 $3,624
State Farm $2,039 $2,162 $2,259
Travelers $2,445 $2,599 $2,758
USAA $2,501 $2,571 $2,666

What affects car insurance rates in Sparta, Tennessee?

What factors can have an impact on Sparta, TN 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, Tennessee.

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, TN is 15.6 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, TN traffic data from INRIX ranks Sparta as the 491st-most congested in the world.

Compare Car Insurance Quotes in Sparta, TN

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

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