Cheapest and Best Car Insurance in Sparks, NV (August 2024)


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Updated: October 3, 2024

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In Sparks, Nevada, the cheapest full coverage option is Mercury, while families with teens find Nationwide most economical. Nationwide also offers the cheapest for minimum coverage. For customer service, Capital Insurance Group excels, taking the title of best overall, considering price and service. Ultimately, choosing the best insurance is subjective and hinges on individual preferences and coverage needs.

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2024

Cheapest and Best Car Insurance in Sparks

Why Trust MoneyGeek? We analyzed 90,496 quotes in Nevada, including the city of Sparks, from 16 companies. We used six sources and original research to rate the cheapest companies and develop a scoring composition based on ZIP codes in the city only. Our scores are based on afford customer satisfaction, coverages offered, and financial stability.

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These rates reflect the cheapest car insurance quotes in Sparks, NV, as of August 2024.

90,496Quotes Analyzed
 
16Companies Compared

Cheapest Minimum Coverage Car Insurance in Sparks

MoneyGeek found that the following companies offer the cheapest car insurance in Sparks:

  • Nationwide: $371 per year
  • Country Financial: $396 per year

Allstate holds the title for the priciest minimum coverage policy in the city with an annual premium of $1, 089. This stark contrast in pricing — $718 more per year than Nationwide — highlights the importance of comparing rates to secure financial savings.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
NationwideAnnual Premium$371Monthly Premium$31
Country FinancialAnnual Premium$396Monthly Premium$33
Capital Insurance GroupAnnual Premium$427Monthly Premium$36
MercuryAnnual Premium$490Monthly Premium$41
ProgressiveAnnual Premium$547Monthly Premium$46
State FarmAnnual Premium$565Monthly Premium$47
TravelersAnnual Premium$571Monthly Premium$48
American FamilyAnnual Premium$662Monthly Premium$55
GEICOAnnual Premium$708Monthly Premium$59
FarmersAnnual Premium$748Monthly Premium$62
KemperAnnual Premium$756Monthly Premium$63
Nevada General InsuranceAnnual Premium$800Monthly Premium$67
CSAAAnnual Premium$1,014Monthly Premium$84
DairylandAnnual Premium$1,029Monthly Premium$86
AllstateAnnual Premium$1,090Monthly Premium$91

State Minimum Liability Requirements

Car owners in every city across Nevada, including Sparks, must adhere to the minimum car insurance coverage set by state law. Here's what you're required to have:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $20,000 for property damage liability per accident

Imagine you're at fault in a collision and the other party's bodily injury costs total $30,000. Your insurance would cover up to $25,000 for that individual, and you would be responsible for the remaining $5,000 out-of-pocket. If multiple people are injured, and the combined expenses are $60,000, the policy pays up to $50,000, with you covering the rest.

Cheapest Full Coverage Car Insurance in Sparks

MoneyGeek found that Mercury provides the cheapest full coverage car insurance in Sparks, followed by Country Financial.

  • Mercury: $654 per year
  • Country Financial: $733 per year

Dairyland has the most expensive full coverage policy in Sparks at $2,291 annually — a stark contrast to Mercury's $654. Full coverage is pricier than minimum coverage due to its comprehensive protection.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
MercuryAnnual Premium$654Monthly Premium$54
Country FinancialAnnual Premium$733Monthly Premium$61
NationwideAnnual Premium$817Monthly Premium$68
Capital Insurance GroupAnnual Premium$833Monthly Premium$69
TravelersAnnual Premium$1,001Monthly Premium$83
American FamilyAnnual Premium$1,066Monthly Premium$89
State FarmAnnual Premium$1,084Monthly Premium$90
FarmersAnnual Premium$1,273Monthly Premium$106
GEICOAnnual Premium$1,367Monthly Premium$114
ProgressiveAnnual Premium$1,388Monthly Premium$116
Nevada General InsuranceAnnual Premium$1,589Monthly Premium$132
AllstateAnnual Premium$1,646Monthly Premium$137
KemperAnnual Premium$1,834Monthly Premium$153
CSAAAnnual Premium$2,284Monthly Premium$190
DairylandAnnual Premium$2,291Monthly Premium$191

Do You Need Full Coverage in Reno?

Full coverage policies extend beyond increased liability limits, encompassing both comprehensive and collision insurance.

  • Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, opt for a full coverage insurance as a measure to protect the financial value of your automobile. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

With older car models, the cost of this additional coverage may outweigh the benefits, often amounting to several hundred dollars more. It is important to assess how much car insurance you need, considering that more comprehensive policies come with higher premiums, while less coverage could potentially leave you with greater risks.

Cheapest Car Insurance in Sparks After a Driving Offense

MoneyGeek found that Mercury is the cheapest option in Sparks for drivers with a speeding ticket or a DUI, while Country Financial offers the lowest rates after an at-fault accident.

  • Speeding Ticket: Mercury ($900 per year)
  • At-Fault accident: Country Financial ($1,040 per year)
  • DUI: Mercury ($1,189 per year)

CSAA has the most expensive rates for these offenses. There's a significant difference of $289 in annual rates between the cheapest company for drivers with a poor driving record after a speeding ticket and the cheapest after a DUI, showcasing how the severity of an incident can impact car insurance rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
MercuryAnnual Premium$900Monthly Premium$75
Country FinancialAnnual Premium$927Monthly Premium$77
NationwideAnnual Premium$931Monthly Premium$78
Capital Insurance GroupAnnual Premium$1,099Monthly Premium$92
State FarmAnnual Premium$1,202Monthly Premium$100
TravelersAnnual Premium$1,408Monthly Premium$117
American FamilyAnnual Premium$1,483Monthly Premium$124
FarmersAnnual Premium$1,641Monthly Premium$137
Nevada General InsuranceAnnual Premium$1,769Monthly Premium$147
AllstateAnnual Premium$1,816Monthly Premium$151
ProgressiveAnnual Premium$1,834Monthly Premium$153
GEICOAnnual Premium$2,031Monthly Premium$169
KemperAnnual Premium$2,240Monthly Premium$187
DairylandAnnual Premium$3,060Monthly Premium$255
CSAAAnnual Premium$3,185Monthly Premium$265

Insurance rates in cities like Sparks climb with the gravity of driving violations due to the increased risk perceived by insurers. Drivers in Sparks with a speeding ticket pay an average annual rate of $2,049, while those with a DUI face significantly higher rates, averaging $2,524.

Cheapest Car Insurance in Sparks for Teens and Their Families

The following companies offer the cheapest car insurance for teens in Sparks:

  • Nationwide: $1,664 per year for female teens and $1,792 per year for male teens
  • State Farm: $2,193 per year for female teens and $2,738 per year for male teens

These premiums are for policies that cover a combination of two parents and a teenager. In comparison, GEICO has the most expensive teen family policy in Sparks, with annual rates at $4,594 for female teens.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,664Individual Plan Monthly Premium$3,504
State FarmFamily Plan Annual Premium$2,193Individual Plan Monthly Premium$2,934
AllstateFamily Plan Annual Premium$2,362Individual Plan Monthly Premium$7,467
FarmersFamily Plan Annual Premium$2,868Individual Plan Monthly Premium$8,686
TravelersFamily Plan Annual Premium$3,057Individual Plan Monthly Premium$5,887
Capital Insurance GroupFamily Plan Annual Premium$3,570Individual Plan Monthly Premium$4,719
KemperFamily Plan Annual Premium$3,977Individual Plan Monthly Premium$6,716
ProgressiveFamily Plan Annual Premium$4,169Individual Plan Monthly Premium$9,845
GEICOFamily Plan Annual Premium$4,594Individual Plan Monthly Premium$7,378

In Sparks, it's economical for teens to join a family plan at $3,425, a way better deal compared to getting an individual policy that runs an average of $7,029 annually. The considerable disparity comes from the inherent risk insurers associate with inexperienced, teenage drivers.

Cheapest Car Insurance in Sparks for Military Drivers

Below are the two top providers for the cheapest car insurance for military personnel and their families in Sparks:

  • Mercury: $654 per year
  • Country Financial: $733 per year

Although USAA did not make the top of the list with their annual premium of $1,031, it remains a competitive option, particularly due to its tailored services for active-duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
MercuryAnnual Premium$654Monthly Premium$54
Country FinancialAnnual Premium$733Monthly Premium$61
NationwideAnnual Premium$817Monthly Premium$68
Capital Insurance GroupAnnual Premium$833Monthly Premium$69
TravelersAnnual Premium$1,001Monthly Premium$83
USAAAnnual Premium$1,031Monthly Premium$86
American FamilyAnnual Premium$1,066Monthly Premium$89
State FarmAnnual Premium$1,084Monthly Premium$90
FarmersAnnual Premium$1,273Monthly Premium$106
GEICOAnnual Premium$1,367Monthly Premium$114
ProgressiveAnnual Premium$1,388Monthly Premium$116
Nevada General InsuranceAnnual Premium$1,589Monthly Premium$132
AllstateAnnual Premium$1,646Monthly Premium$137
KemperAnnual Premium$1,834Monthly Premium$153
CSAAAnnual Premium$2,284Monthly Premium$190
DairylandAnnual Premium$2,291Monthly Premium$191

How to Compare Cheap Sparks Car Insurance Quotes Online

It takes time and effort to manually compare rates online. You'll have to input a lot of personal data for each estimate — a process that takes 15 minutes or longer.

MoneyGeek's car insurance calculator streamlines this process. By entering key information such as age, driving history, credit score and coverage preferences, you will receive tailored rate estimates promptly.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Oct 08, 2024

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Best Car Insurance in Sparks: Overview

Choosing the right auto insurance is a balancing act between service, cost, coverage and other individual preferences. MoneyGeek's specialized scoring system has identified the best car insurance providers in Sparks for varying consumer priorities.

  • Best overall: Capital Insurance Group (MoneyGeek score 91 out of 100)
  • Best for service: Capital Insurance Group (MoneyGeek score 88 out of 100)
  • Best cheap: Capital Insurance Group (MoneyGeek score 91 out of 100)

Capital Insurance Group emerges as the best in Sparks for overall value, service and affordability, making it an excellent choice for those seeking a comprehensive insurance provider that excels in every category.

Overall Best Car Insurance in Sparks

MoneyGeek found the following companies as the overall best car insurance in Sparks:

  • Capital Insurance Group: MoneyGeek score of 91 out of 100 ($833 per year)
  • Mercury: MoneyGeek score of 83 out of 100 ($654 per year)

Capital Insurance Group distinguishes itself with exceptional customer satisfaction and claims-handling processes.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
91/ of 100

Overview

Capital Insurance Group is a solid choice for comprehensive car insurance solutions as evidenced by its high MoneyGeek scores: satisfaction (35 out of 35), affordability (28 out of 30), and claims (20 out of 20).

Although it falls slightly short by not offering rental car and/or travel reimbursements, it is able to provide roadside assistance and full glass coverage, ensuring peace of mind during travel and in case of glass damage. It also offers custom parts coverage, catering to those with unique vehicle enhancements.

Best Car Insurance in Sparks for Customer Service

MoneyGeek found that the following companies excel in top-notch customer service in Sparks:

  • Capital Insurance Group: MoneyGeek score of 88 out of 100 ($833 per year)
  • American Family: MoneyGeek score of 83 out of 100 ($1,066 per year)

Capital Insurance Group distinguishes itself by delivering first-rate customer satisfaction and claims service, contributing significantly to its high MoneyGeek score. Clients consistently experience comprehensive and personable interactions, which secures its position as a leading provider in Sparks.

Company logo for Capital Insurance Group
Best for Customer ServiceCapital Insurance Group
MoneyGeek Score:
88/ of 100

Overview

Capital Insurance Group's Satisfaction Score is a perfect 45 (out of 45), and the Claims Score is strong at 30 (out of 30), reinforcing its reliability and efficiency in addressing customer needs.

While the Coverage Score is lower at 10 (out of 20), the company's ability to provide niche protections alongside core services underscores its commitment to accommodating diverse insurance requirements, justifying its high MoneyGeek ranking.

Best Cheap Car Insurance Companies in Sparks

MoneyGeek found that the following companies are the best options for cheap car insurance in Sparks:

  • Capital Insurance Group: MoneyGeek score of 91 out of 100 ($427 per year)
  • Nationwide: MoneyGeek score of 81 out of 100 ($371 per year)

Capital Insurance Group reflects a balanced blend of value, reliability and customer satisfaction. The score confirms that top-notch service need not come at an exorbitant price, a crucial consideration for drivers seeking financial savviness without compromising on quality.

Company logo for Capital Insurance Group
Best Cheap CompanyCapital Insurance Group
MoneyGeek Score:
91/ of 100

Overview

Capital Insurance Group offers the most affordable minimum coverage policies in North Las Vegas. It also offers a good student discount, a rare discount that acknowledges academic achievement.

Capital Insurance Group's impressive affordability score of 38 (out of 40) and perfect scores in satisfaction (25 out of 25) and claims (20 out of 20) are a testament to its commitment to providing excellent insurance value and customer experience.

Average Cost of Car Insurance in Sparks

In Sparks, Nevada, the average car insurance cost is $1,338, which, when compared to the average state car insurance cost of $1,966 in Nevada, is notably less expensive. The difference of $628 showcases that Sparks residents can expect lower insurance premiums than the larger state average.

Car insurance premiums are determined by various factors, with location being a significant one. Insurers consider the rate of accidents, thefts and vandalism in an area which can directly influence the cost of insurance. For example, the city with the highest car insurance premium is Sunrise Manor at $2,537, while Sparks enjoys the lowest at $1,338. This difference of $1,199 shows the significance of location when assessing insurance costs. Areas with lower traffic densities, often found outside of cities, may benefit from even lower rates.

EnterpriseAnnual Premium$2,250
HendersonAnnual Premium$1,981
Las VegasAnnual Premium$2,216
North Las VegasAnnual Premium$2,330
ParadiseAnnual Premium$2,336
RenoAnnual Premium$1,352
SparksAnnual Premium$1,338
Spring ValleyAnnual Premium$2,398
Sunrise ManorAnnual Premium$2,537

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.