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The cheapest car insurance company for you will depend on your profile and needs. Nationwide is the most affordable option for minimum coverage and teens on a family policy. State Farm is the cheapest insurer for full coverage and drivers with violations.

Capital Insurance Group is the top overall insurer, and it also offers the best customer service and the best cheap policies. USAA is the best insurer for active-duty soldiers and veterans.

MoneyGeek Logo IconCheapest + BestCar InsuranceSparks
2023

Cheapest and Best Car Insurance in Sparks

Cheapest Minimum Liability Car Insurance in Sparks

The cheapest minimum coverage car insurance companies in Sparks are:

  • Nationwide: $371 per year
  • State Farm: $371 per year

Dairyland’s policies are the most expensive option, costing an average of $1,098 annually.

On a statewide basis as of October 2022, the cheapest car insurance in Nevada is from State Farm, with an average cost of $466 per year. Location is one of the essential factors in determining insurance rates, and premiums can vary considerably, even within the same state.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$333

$28

State Farm

$349

$29

Nationwide

$362

$30

Nationwide

$371

$31

State Farm

$371

$31

Capital Insurance Group

$388

$32

Mercury

$419

$35

State Farm

$452

$38

Mercury

$453

$38

Progressive

$466

$39

GEICO

$473

$39

Progressive

$484

$40

GEICO

$495

$41

Nationwide

$508

$42

GEICO

$520

$43

Progressive

$529

$44

Farmers

$531

$44

Mercury

$554

$46

Travelers

$556

$46

Farmers

$558

$47

Travelers

$590

$49

Travelers

$631

$53

American Family

$633

$53

American Family

$643

$54

Capital Insurance Group

$643

$54

Farmers

$648

$54

American Family

$683

$57

Allstate

$687

$57

State Farm

$687

$57

Capital Insurance Group

$689

$57

Allstate

$694

$58

Country Financial

$715

$60

Country Financial

$731

$61

State Farm

$739

$62

Nationwide

$747

$62

Allstate

$753

$63

Kemper

$759

$63

Mercury

$786

$65

Nevada General Insurance

$800

$67

Nationwide

$817

$68

Capital Insurance Group

$836

$70

Kemper

$845

$70

Mercury

$848

$71

CSAA

$851

$71

Farmers

$886

$74

American Family

$893

$74

GEICO

$897

$75

Farmers

$904

$75

Nevada General Insurance

$913

$76

Nevada General Insurance

$925

$77

GEICO

$936

$78

State Farm

$941

$78

American Family

$971

$81

CSAA

$1,008

$84

Country Financial

$1,022

$85

Progressive

$1,025

$85

Progressive

$1,031

$86

Nationwide

$1,042

$87

Dairyland

$1,042

$87

GEICO

$1,056

$88

Travelers

$1,064

$89

Travelers

$1,073

$89

American Family

$1,086

$91

Mercury

$1,087

$91

Farmers

$1,093

$91

Allstate

$1,095

$91

Dairyland

$1,098

$92

Kemper

$1,102

$92

CSAA

$1,161

$97

Allstate

$1,162

$97

Allstate

$1,181

$98

Progressive

$1,237

$103

Dairyland

$1,250

$104

Travelers

$1,252

$104

Country Financial

$1,285

$107

Nevada General Insurance

$1,320

$110

Capital Insurance Group

$1,352

$113

Country Financial

$1,354

$113

Nevada General Insurance

$1,488

$124

Nevada General Insurance

$1,714

$143

CSAA

$1,852

$154

Country Financial

$1,880

$157

Kemper

$1,915

$160

Kemper

$2,191

$183

CSAA

$2,191

$183

Kemper

$2,276

$190

Dairyland

$2,299

$192

CSAA

$2,521

$210

Dairyland

$2,572

$214

Dairyland

$2,977

$248

A minimum coverage policy in Sparks only covers bodily injury and property damage based on Nevada law. Such a policy has these coverage limits:

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

The $50,000 per accident bodily injury limit is the maximum amount the insurer will pay for the medical costs of all passengers. If you cause more than $50,000 in injuries in an at-fault accident, you’ll need to pay the rest out of your pocket.

Cheapest Full Coverage Car Insurance in Sparks

If you want full coverage, the following companies will offer the most affordable rates in Sparks:

  • State Farm: $739 per year
  • Mercury: $786 per year

Dairyland charges the highest rates for full coverage, with its policies costing an average of $2,572 per year.

On a statewide basis, State Farm is also the most affordable option for full coverage car insurance in Nevada, but it charges $862 per year to insure drivers in the state as of October 2022. This again illustrates how much prices can vary within Nevada.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$333

$28

State Farm

$349

$29

Nationwide

$362

$30

Nationwide

$371

$31

State Farm

$371

$31

Capital Insurance Group

$388

$32

Mercury

$419

$35

State Farm

$452

$38

Mercury

$453

$38

Progressive

$466

$39

GEICO

$473

$39

Progressive

$484

$40

GEICO

$495

$41

Nationwide

$508

$42

GEICO

$520

$43

Progressive

$529

$44

Farmers

$531

$44

Mercury

$554

$46

Travelers

$556

$46

Farmers

$558

$47

Travelers

$590

$49

Travelers

$631

$53

American Family

$633

$53

American Family

$643

$54

Capital Insurance Group

$643

$54

Farmers

$648

$54

American Family

$683

$57

Allstate

$687

$57

State Farm

$687

$57

Capital Insurance Group

$689

$57

Allstate

$694

$58

Country Financial

$715

$60

Country Financial

$731

$61

State Farm

$739

$62

Nationwide

$747

$62

Allstate

$753

$63

Kemper

$759

$63

Mercury

$786

$65

Nevada General Insurance

$800

$67

Nationwide

$817

$68

Capital Insurance Group

$836

$70

Kemper

$845

$70

Mercury

$848

$71

CSAA

$851

$71

Farmers

$886

$74

American Family

$893

$74

GEICO

$897

$75

Farmers

$904

$75

Nevada General Insurance

$913

$76

Nevada General Insurance

$925

$77

GEICO

$936

$78

State Farm

$941

$78

American Family

$971

$81

CSAA

$1,008

$84

Country Financial

$1,022

$85

Progressive

$1,025

$85

Progressive

$1,031

$86

Nationwide

$1,042

$87

Dairyland

$1,042

$87

GEICO

$1,056

$88

Travelers

$1,064

$89

Travelers

$1,073

$89

American Family

$1,086

$91

Mercury

$1,087

$91

Farmers

$1,093

$91

Allstate

$1,095

$91

Dairyland

$1,098

$92

Kemper

$1,102

$92

CSAA

$1,161

$97

Allstate

$1,162

$97

Allstate

$1,181

$98

Progressive

$1,237

$103

Dairyland

$1,250

$104

Travelers

$1,252

$104

Country Financial

$1,285

$107

Nevada General Insurance

$1,320

$110

Capital Insurance Group

$1,352

$113

Country Financial

$1,354

$113

Nevada General Insurance

$1,488

$124

Nevada General Insurance

$1,714

$143

CSAA

$1,852

$154

Country Financial

$1,880

$157

Kemper

$1,915

$160

Kemper

$2,191

$183

CSAA

$2,191

$183

Kemper

$2,276

$190

Dairyland

$2,299

$192

CSAA

$2,521

$210

Dairyland

$2,572

$214

Dairyland

$2,977

$248

You will get comprehensive and collision insurance if you purchase a full coverage policy in Sparks.

  • Comprehensive Insurance: This coverage pays for damage to your vehicle due to various non-accident incidents, including theft, vandalism and weather events.
  • Collision Insurance: This coverage will help you repair or replace your vehicle if you get into an at-fault accident or collide with an inanimate object.

Consider not getting full coverage if you own an older vehicle that’s of low value, as the hundreds of extra dollars you’ll pay for coverage might not be worth it.

Cheapest Car Insurance in Sparks After a Driving Offense

MoneyGeek determined that the following companies offer the cheapest car insurance with various driving violations on your record:

  • Speeding ticket: State Farm ($817 per year)
  • At-fault accident: State Farm ($895 per year)
  • DUI: State Farm ($817 per year)

Meanwhile, Dairyland has the highest rates for drivers with accidents ($4,262/year), DUIs ($3,738/year) and tickets ($3,448/year).

These violations significantly increase your rates, meaning you will pay much more for the cheapest policy than someone with a clean driving history.

Company
Annual Premium
Monthly Premium

State Farm

$388

$32

State Farm

$388

$32

State Farm

$412

$34

State Farm

$412

$34

Nationwide

$419

$35

State Farm

$427

$36

Nationwide

$428

$36

Capital Insurance Group

$430

$36

Capital Insurance Group

$443

$37

State Farm

$454

$38

Capital Insurance Group

$501

$42

State Farm

$502

$42

State Farm

$502

$42

Capital Insurance Group

$510

$43

Mercury

$551

$46

State Farm

$552

$46

Nationwide

$565

$47

Nationwide

$569

$47

Nationwide

$580

$48

Progressive

$581

$48

Progressive

$620

$52

Capital Insurance Group

$629

$52

Progressive

$636

$53

Progressive

$651

$54

Farmers

$665

$55

GEICO

$670

$56

Progressive

$673

$56

GEICO

$679

$57

Mercury

$685

$57

Progressive

$688

$57

Mercury

$694

$58

Farmers

$699

$58

Capital Insurance Group

$736

$61

Mercury

$741

$62

Allstate

$745

$62

Nationwide

$748

$62

Allstate

$753

$63

Progressive

$755

$63

Travelers

$758

$63

State Farm

$760

$63

State Farm

$760

$63

GEICO

$766

$64

Nationwide

$780

$65

Farmers

$781

$65

Nationwide

$789

$66

Travelers

$792

$66

Travelers

$797

$66

American Family

$811

$68

State Farm

$817

$68

State Farm

$817

$68

Allstate

$822

$68

Kemper

$827

$69

GEICO

$830

$69

Progressive

$831

$69

GEICO

$831

$69

American Family

$832

$69

State Farm

$834

$70

Progressive

$835

$70

Travelers

$836

$70

Allstate

$838

$70

Capital Insurance Group

$840

$70

Mercury

$843

$70

American Family

$846

$70

Allstate

$848

$71

Farmers

$853

$71

Travelers

$859

$72

Kemper

$861

$72

Nationwide

$863

$72

Capital Insurance Group

$869

$72

Farmers

$869

$72

Allstate

$872

$73

American Family

$878

$73

Mercury

$881

$73

Allstate

$883

$74

State Farm

$895

$75

Capital Insurance Group

$907

$76

Travelers

$909

$76

American Family

$910

$76

Travelers

$910

$76

Nevada General Insurance

$914

$76

Nevada General Insurance

$914

$76

Country Financial

$915

$76

American Family

$918

$76

Farmers

$919

$77

Kemper

$922

$77

Allstate

$932

$78

Nationwide

$932

$78

American Family

$933

$78

Country Financial

$935

$78

GEICO

$943

$79

Mercury

$949

$79

Farmers

$949

$79

Travelers

$952

$79

Nationwide

$959

$80

Kemper

$960

$80

Allstate

$971

$81

Farmers

$981

$82

Capital Insurance Group

$986

$82

Farmers

$987

$82

Mercury

$1,015

$85

Nevada General Insurance

$1,027

$86

Travelers

$1,035

$86

State Farm

$1,041

$87

State Farm

$1,041

$87

American Family

$1,041

$87

Nevada General Insurance

$1,043

$87

Nevada General Insurance

$1,043

$87

Nevada General Insurance

$1,056

$88

Nevada General Insurance

$1,056

$88

American Family

$1,058

$88

Mercury

$1,067

$89

Mercury

$1,073

$89

CSAA

$1,090

$91

Country Financial

$1,104

$92

Capital Insurance Group

$1,105

$92

State Farm

$1,141

$95

Nationwide

$1,157

$96

Nationwide

$1,157

$96

CSAA

$1,162

$97

Farmers

$1,163

$97

Farmers

$1,165

$97

Country Financial

$1,169

$97

GEICO

$1,171

$98

GEICO

$1,171

$98

Nevada General Insurance

$1,172

$98

Nevada General Insurance

$1,187

$99

Kemper

$1,187

$99

American Family

$1,190

$99

Capital Insurance Group

$1,202

$100

Kemper

$1,205

$100

Allstate

$1,211

$101

GEICO

$1,241

$103

Nationwide

$1,242

$104

Capital Insurance Group

$1,244

$104

Kemper

$1,256

$105

Allstate

$1,287

$107

Country Financial

$1,295

$108

American Family

$1,301

$108

Mercury

$1,302

$108

Country Financial

$1,305

$109

CSAA

$1,309

$109

Allstate

$1,312

$109

Capital Insurance Group

$1,316

$110

American Family

$1,317

$110

American Family

$1,319

$110

Kemper

$1,329

$111

Country Financial

$1,332

$111

GEICO

$1,348

$112

Farmers

$1,355

$113

CSAA

$1,357

$113

Progressive

$1,360

$113

GEICO

$1,362

$114

Allstate

$1,382

$115

Mercury

$1,382

$115

Mercury

$1,391

$116

CSAA

$1,399

$117

Progressive

$1,427

$119

Farmers

$1,431

$119

American Family

$1,437

$120

Progressive

$1,451

$121

Farmers

$1,455

$121

Nevada General Insurance

$1,461

$122

Nevada General Insurance

$1,461

$122

Country Financial

$1,462

$122

Allstate

$1,465

$122

Farmers

$1,467

$122

Allstate

$1,469

$122

American Family

$1,470

$122

American Family

$1,470

$123

Allstate

$1,507

$126

Travelers

$1,514

$126

Dairyland

$1,514

$126

Nationwide

$1,517

$126

Farmers

$1,518

$127

CSAA

$1,522

$127

Progressive

$1,528

$127

Dairyland

$1,536

$128

Allstate

$1,562

$130

GEICO

$1,564

$130

Mercury

$1,565

$130

Nationwide

$1,581

$132

Travelers

$1,585

$132

Progressive

$1,587

$132

Allstate

$1,600

$133

Capital Insurance Group

$1,611

$134

American Family

$1,630

$136

Country Financial

$1,630

$136

CSAA

$1,632

$136

Travelers

$1,635

$136

Farmers

$1,639

$137

Nevada General Insurance

$1,641

$137

Travelers

$1,642

$137

CSAA

$1,645

$137

Nevada General Insurance

$1,648

$137

Nevada General Insurance

$1,648

$137

Farmers

$1,649

$137

Dairyland

$1,660

$138

Nationwide

$1,666

$139

Dairyland

$1,669

$139

Progressive

$1,671

$139

GEICO

$1,671

$139

Dairyland

$1,672

$139

GEICO

$1,683

$140

Mercury

$1,704

$142

Country Financial

$1,713

$143

Travelers

$1,714

$143

Travelers

$1,718

$143

Mercury

$1,747

$146

Kemper

$1,750

$146

Progressive

$1,789

$149

Travelers

$1,795

$150

American Family

$1,806

$151

Capital Insurance Group

$1,814

$151

Nevada General Insurance

$1,851

$154

Dairyland

$1,859

$155

Country Financial

$1,865

$155

Dairyland

$1,866

$156

Dairyland

$1,876

$156

Nevada General Insurance

$1,888

$157

Nevada General Insurance

$1,888

$157

Progressive

$1,903

$159

Country Financial

$1,924

$160

CSAA

$1,926

$160

GEICO

$1,931

$161

Travelers

$1,941

$162

Nationwide

$1,941

$162

Travelers

$1,943

$162

Mercury

$1,950

$163

Mercury

$1,957

$163

Country Financial

$1,974

$165

Capital Insurance Group

$1,992

$166

Progressive

$2,050

$171

Kemper

$2,085

$174

Nevada General Insurance

$2,118

$176

Kemper

$2,127

$177

Dairyland

$2,148

$179

Country Financial

$2,235

$186

Country Financial

$2,351

$196

GEICO

$2,355

$196

Country Financial

$2,384

$199

Kemper

$2,386

$199

CSAA

$2,429

$202

Kemper

$2,434

$203

GEICO

$2,437

$203

GEICO

$2,473

$206

Kemper

$2,483

$207

Kemper

$2,547

$212

Country Financial

$2,559

$213

CSAA

$2,606

$217

Capital Insurance Group

$2,680

$223

CSAA

$2,893

$241

Kemper

$2,958

$246

CSAA

$3,070

$256

CSAA

$3,105

$259

Country Financial

$3,286

$274

CSAA

$3,346

$279

Kemper

$3,377

$281

Dairyland

$3,448

$287

Dairyland

$3,555

$296

Kemper

$3,579

$298

CSAA

$3,598

$300

Dairyland

$3,611

$301

CSAA

$3,670

$306

Dairyland

$3,738

$311

Dairyland

$3,877

$323

Dairyland

$3,940

$328

CSAA

$4,261

$355

Dairyland

$4,262

$355

Dairyland

$4,341

$362

Dairyland

$4,607

$384

Severe violations often increase rates more than less serious offenses — but not always. For instance, in Sparks, the cheapest insurance with an at-fault accident is $78 more than the most affordable policy with a speeding ticket. The most suitable way of finding the cheapest car insurance for a poor driving record is by shopping around and comparing rates.

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Cheapest Car Insurance in Sparks for Teens and Their Families

MoneyGeek’s analysis shows that teens on a family policy can find the most affordable rates with these companies:

  • Nationwide: $1,664 per year for teen girls and $1,792 per year for teen boys
  • State Farm: $2,193 per year for teen girls
  • Allstate: $2,557 per year for teen boys

GEICO is the most expensive insurance provider for teen boys and girls, charging an average of $4,865 and $4,594 annually, respectively.

Teen girls generally pay less for insurance because companies consider teen boys risker to insure. The cost difference drops off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Nationwide

$1,088

$1,892

Nationwide

$1,116

$2,029

State Farm

$1,195

$1,775

Nationwide

$1,231

$2,715

Travelers

$1,248

$2,190

Nationwide

$1,249

$2,171

Nationwide

$1,278

$2,531

Nationwide

$1,283

$2,964

Nationwide

$1,292

$2,349

State Farm

$1,309

$1,945

Nationwide

$1,320

$2,294

Nationwide

$1,322

$2,750

State Farm

$1,339

$1,944

Nationwide

$1,365

$2,482

State Farm

$1,374

$2,334

Travelers

$1,379

$2,299

Travelers

$1,407

$2,469

Travelers

$1,412

$2,703

State Farm

$1,419

$2,108

Capital Insurance Group

$1,420

$1,906

Allstate

$1,421

$1,995

Farmers

$1,432

$2,181

Travelers

$1,449

$2,542

Farmers

$1,466

$2,294

Allstate

$1,475

$1,999

State Farm

$1,479

$2,520

Nationwide

$1,486

$3,724

State Farm

$1,491

$2,165

Nationwide

$1,502

$4,487

Nationwide

$1,537

$3,389

Allstate

$1,543

$2,665

Allstate

$1,547

$2,173

Travelers

$1,568

$2,614

State Farm

$1,582

$2,687

Nationwide

$1,583

$4,261

Allstate

$1,607

$5,756

Travelers

$1,611

$2,954

Nationwide

$1,615

$5,058

Nationwide

$1,622

$3,747

Travelers

$1,631

$3,148

Allstate

$1,632

$2,601

State Farm

$1,646

$2,390

Nationwide

$1,658

$4,953

Nationwide

$1,664

$5,472

State Farm

$1,684

$2,869

State Farm

$1,684

$3,219

Travelers

$1,690

$2,817

Allstate

$1,697

$3,129

Allstate

$1,709

$2,400

Allstate

$1,721

$2,333

Allstate

$1,744

$3,011

State Farm

$1,777

$2,968

Nationwide

$1,785

$5,589

Nationwide

$1,792

$6,189

Allstate

$1,816

$2,862

Allstate

$1,843

$3,871

Capital Insurance Group

$1,891

$2,950

Travelers

$1,912

$3,507

State Farm

$1,916

$3,661

Travelers

$1,929

$4,153

Travelers

$1,943

$3,534

Progressive

$1,945

$2,198

Allstate

$1,949

$7,338

Allstate

$1,957

$2,653

Allstate

$2,057

$4,405

State Farm

$2,068

$3,454

State Farm

$2,069

$3,943

Allstate

$2,087

$3,849

Farmers

$2,129

$4,144

Capital Insurance Group

$2,144

$3,345

Capital Insurance Group

$2,155

$3,513

State Farm

$2,181

$4,168

State Farm

$2,193

$4,744

Progressive

$2,230

$2,434

Farmers

$2,232

$3,966

Capital Insurance Group

$2,240

$3,640

Farmers

$2,251

$4,542

Progressive

$2,277

$2,573

Travelers

$2,289

$5,328

Farmers

$2,298

$4,800

Farmers

$2,299

$4,475

Allstate

$2,307

$8,263

Capital Insurance Group

$2,311

$4,091

Capital Insurance Group

$2,313

$3,793

Capital Insurance Group

$2,333

$3,130

Capital Insurance Group

$2,333

$3,640

Farmers

$2,349

$4,366

Allstate

$2,362

$11,361

Travelers

$2,374

$4,318

Kemper

$2,378

$4,242

State Farm

$2,382

$4,509

Farmers

$2,382

$4,806

Farmers

$2,395

$5,145

Travelers

$2,400

$5,240

Progressive

$2,402

$3,812

Capital Insurance Group

$2,418

$3,575

Progressive

$2,427

$3,753

Farmers

$2,427

$3,696

Progressive

$2,429

$3,305

GEICO

$2,431

$2,260

Farmers

$2,432

$10,477

Kemper

$2,435

$2,877

GEICO

$2,460

$2,939

Farmers

$2,463

$3,751

GEICO

$2,467

$2,293

Capital Insurance Group

$2,483

$4,395

Kemper

$2,492

$3,314

Capital Insurance Group

$2,493

$3,345

GEICO

$2,515

$3,005

GEICO

$2,519

$4,414

Farmers

$2,530

$3,958

Progressive

$2,543

$2,776

Allstate

$2,557

$11,599

Progressive

$2,569

$2,903

Farmers

$2,578

$11,386

GEICO

$2,583

$3,748

GEICO

$2,593

$2,410

Kemper

$2,596

$5,182

Farmers

$2,607

$4,078

GEICO

$2,618

$3,128

Allstate

$2,639

$9,937

Kemper

$2,654

$2,877

Kemper

$2,654

$2,877

Progressive

$2,668

$3,455

Farmers

$2,678

$11,533

Kemper

$2,690

$2,877

Capital Insurance Group

$2,702

$5,041

Kemper

$2,713

$3,155

Capital Insurance Group

$2,720

$4,395

State Farm

$2,727

$5,164

GEICO

$2,730

$3,973

Progressive

$2,733

$2,983

State Farm

$2,738

$5,881

Capital Insurance Group

$2,768

$4,091

GEICO

$2,781

$3,380

Kemper

$2,799

$3,034

Kemper

$2,815

$3,314

Kemper

$2,849

$3,314

Kemper

$2,849

$3,314

Capital Insurance Group

$2,849

$4,699

Farmers

$2,868

$12,664

Farmers

$2,868

$15,053

Travelers

$2,908

$6,769

Progressive

$2,927

$5,256

Travelers

$2,934

$6,828

Kemper

$2,949

$3,786

Progressive

$2,954

$4,568

Progressive

$3,054

$5,726

Capital Insurance Group

$3,057

$5,041

Travelers

$3,057

$9,253

Farmers

$3,073

$16,668

Capital Insurance Group

$3,074

$5,734

Kemper

$3,146

$4,618

Progressive

$3,153

$5,005

Kemper

$3,205

$3,786

Capital Insurance Group

$3,206

$7,168

GEICO

$3,305

$6,772

GEICO

$3,414

$5,822

Kemper

$3,473

$4,618

GEICO

$3,530

$6,187

Capital Insurance Group

$3,570

$7,923

Progressive

$3,575

$12,905

GEICO

$3,648

$5,294

GEICO

$3,719

$9,127

Progressive

$3,776

$14,000

Travelers

$3,786

$8,810

GEICO

$3,815

$10,403

Kemper

$3,977

$9,142

Travelers

$3,997

$12,267

Progressive

$4,169

$16,218

Kemper

$4,172

$10,633

GEICO

$4,366

$10,716

GEICO

$4,415

$12,038

Progressive

$4,424

$17,712

Kemper

$4,429

$7,903

Progressive

$4,438

$16,023

GEICO

$4,594

$15,137

Kemper

$4,594

$9,170

Progressive

$4,718

$17,495

GEICO

$4,865

$15,978

A teen driver buying an individual policy will pay significantly higher rates than someone on a family policy. For instance, MoneyGeek found that a 16-year-old driver will spend an average of $9,872 per year on an individual policy, while the same driver will pay only $4,722 per year on a family policy. That’s an annual difference of $5,150! Shopping around and comparing rates will help you find the cheapest car insurance for teens.

Cheapest Car Insurance in Sparks for Military Drivers

If you are an active-duty soldier or veteran, the following companies offer the cheapest car insurance for military families:

  • USAA: $717 per year
  • State Farm: $739 per year

Drivers looking for minimum coverage will find the most affordable rates with USAA and Nationwide, which charge an average of $354 and $371 per year, respectively.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$333

$28

State Farm

$349

$29

USAA

$354

$30

USAA

$359

$30

Nationwide

$362

$30

Nationwide

$371

$31

State Farm

$371

$31

Capital Insurance Group

$388

$32

Mercury

$419

$35

USAA

$443

$37

State Farm

$452

$38

Mercury

$453

$38

Progressive

$466

$39

GEICO

$473

$39

Progressive

$484

$40

GEICO

$495

$41

Nationwide

$508

$42

GEICO

$520

$43

Progressive

$529

$44

Farmers

$531

$44

Mercury

$554

$46

Travelers

$556

$46

Farmers

$558

$47

Travelers

$590

$49

Travelers

$631

$53

American Family

$633

$53

American Family

$643

$54

Capital Insurance Group

$643

$54

Farmers

$648

$54

American Family

$683

$57

Allstate

$687

$57

State Farm

$687

$57

Capital Insurance Group

$689

$57

Allstate

$694

$58

USAA

$702

$59

Country Financial

$715

$60

USAA

$717

$60

Country Financial

$731

$61

State Farm

$739

$62

Nationwide

$747

$62

Allstate

$753

$63

Kemper

$759

$63

Mercury

$786

$65

Nevada General Insurance

$800

$67

Nationwide

$817

$68

Capital Insurance Group

$836

$70

Kemper

$845

$70

Mercury

$848

$71

CSAA

$851

$71

Farmers

$886

$74

American Family

$893

$74

GEICO

$897

$75

Farmers

$904

$75

Nevada General Insurance

$913

$76

USAA

$914

$76

Nevada General Insurance

$925

$77

GEICO

$936

$78

State Farm

$941

$78

American Family

$971

$81

CSAA

$1,008

$84

Country Financial

$1,022

$85

Progressive

$1,025

$85

Progressive

$1,031

$86

Nationwide

$1,042

$87

Dairyland

$1,042

$87

GEICO

$1,056

$88

Travelers

$1,064

$89

Travelers

$1,073

$89

American Family

$1,086

$91

Mercury

$1,087

$91

Farmers

$1,093

$91

Allstate

$1,095

$91

Dairyland

$1,098

$92

Kemper

$1,102

$92

CSAA

$1,161

$97

Allstate

$1,162

$97

Allstate

$1,181

$98

Progressive

$1,237

$103

Dairyland

$1,250

$104

Travelers

$1,252

$104

Country Financial

$1,285

$107

Nevada General Insurance

$1,320

$110

Capital Insurance Group

$1,352

$113

Country Financial

$1,354

$113

Nevada General Insurance

$1,488

$124

Nevada General Insurance

$1,714

$143

CSAA

$1,852

$154

Country Financial

$1,880

$157

Kemper

$1,915

$160

Kemper

$2,191

$183

CSAA

$2,191

$183

Kemper

$2,276

$190

Dairyland

$2,299

$192

CSAA

$2,521

$210

Dairyland

$2,572

$214

Dairyland

$2,977

$248

How to Compare Cheap Sparks Car Insurance Quotes Online

Getting an online quote in Sparks, Nevada, may take 15 or more minutes and require you to provide a considerable amount of personal information.

To get a rough estimate, you can use MoneyGeek's car insurance calculator. It can help you understand your expected annual and monthly cost based on factors like your age, driving history, coverage level and vehicle type.

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USAA

Best Car Insurance in Sparks: Summary

You can find the best car insurance for your needs after considering how much you value service quality, cost and other factors.

These companies are the ideal options for car insurance in Sparks, Nevada:

  • Best overall: Capital Insurance Group (MoneyGeek score of 81 out of 100)
  • Best for service: Capital Insurance Group (MoneyGeek score of 68 out of 100)
  • Best cheap: Capital Insurance Group (MoneyGeek score of 82 out of 100)

The overall MoneyGeek score for a specific company might vary based on how factors are weighted differently in each category.

On a statewide basis, GEICO offers the best car insurance in Nevada. This again illustrates how car insurance costs and quality can vary depending on your exact location.

Drivers with a military background should opt for USAA car insurance, which has a MoneyGeek score of 85 out of 100.

Best Overall Car Insurance in Sparks

Based on MoneyGeek’s analysis, the best car insurance companies in Sparks are:

  • Capital Insurance Group: MoneyGeek score of 81 out of 100 ($836 per year)
  • American Family: MoneyGeek score of 76 out of 100 ($971 per year)

Capital Insurance Group ranked the highest among all insurers for claims management and customer satisfaction.

USAA car insurance is the most suitable option for soldiers or veterans, with a MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

Capital Insurance Group

pros

Scored the highest for claims management and customer satisfaction

Offers custom parts coverage, full glass coverage and roadside assistance

cons

Doesn’t offer many add-on coverages

COMPANY HIGHLIGHTS

Based on MoneyGeek’s analysis, Capital Insurance Group ranked the highest for customer satisfaction and claims management. However, this insurer offers very few optional coverages.

The insurance provider offers custom parts coverage, which is a relatively uncommon coverage that protects you against damage to the aftermarket equipment installed in your vehicle. You can also add full glass coverage to your policy with this company. It helps you repair or replace your windshield, mirrors or other auto glass.

Besides these uncommon coverages, you can get roadside assistance, which covers various expenses like tire changes, the delivery of oil and gas, locksmith labor and more if your vehicle breaks down on the road.

Capital Insurance Group has the best customer satisfaction ranking of all insurers in Sparks — there are very few complaints about the insurer’s service. It also has a high claims management score, meaning it will handle your claims reasonably and efficiently.

Best Car Insurance in Sparks for Customer Service

MoneyGeek found that the following companies offer the best customer service in Sparks when we exclude cost from our analysis:

  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($836 per year)
  • Country Financial: MoneyGeek score of 65 out of 100 ($1,354 per year)

Capital Insurance Group stood out from the competition with the highest claims management and customer satisfaction scores. However, this insurer is in the bottom half of Sparks insurers for affordability, so you’ll have to pay more to get the best customer service.

How was this MoneyGeek score calculated?

Capital Insurance Group

pros

Ranked #1 for claims management and customer satisfaction

Provides roadside assistance, custom parts and full glass coverages

cons

Offers very few add-on coverages

COMPANY HIGHLIGHTS

Capital Insurance Group earned our top score for customer satisfaction in Sparks, meaning that it scores highly in J.D. Power assessments and also receives very few customer complaints.

In addition, Capital Insurance Group has outstanding claims management. Its reputation in this area indicates that you can expect to have your claims settled quickly and fairly every time.

Unfortunately, Capital Insurance Group offers only three add-on coverage options, and it also has higher prices than the majority of competitors. That said, if you want the best customer service available from car insurance providers in Sparks, Nevada, it may be worth the extra money to get insurance from Capital Insurance Group.

Best Cheap Car Insurance Companies in Sparks

We analyzed several minimum coverage insurance providers based on affordability and service quality. The following companies are the best options:

  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($388 per year)
  • State Farm: MoneyGeek score of 78 out of 100 ($371 per year)

Though you will pay affordable rates with minimum coverage policies, these policies don’t offer much liability protection. They will also not compensate you at all if you damage your vehicle in an accident.

How was this MoneyGeek score calculated?

Capital Insurance Group

pros

An affordable minimum coverage policy costs an average of $388 per year

Provides a good student discount

Ranks #1 for claims management and customer satisfaction

cons

Only offers one discount

Coverage options are extremely limited

COMPANY HIGHLIGHTS

Capital Insurance Group is one of the most affordable options for minimum coverage in Sparks. The company also has the highest claims management score, indicating that it will process your claims promptly and fairly.

You won’t get many opportunities to save on your premiums with this insurance provider, as it doesn’t offer many standard discounts. The only discount it offers is the good student discount, which you can qualify for if you are a full-time student with an excellent academic record.

While there are very few discounts and coverages available from Capital Insurance Group, the insurer’s outstanding customer service and overall affordability make it a great choice for drivers seeking the best cheap coverage in Sparks, Nevada.

Average Cost of Car Insurance in Sparks

In Sparks, the average cost of car insurance is $1,235 per year — $510 less than Nevada’s average car insurance cost and $30 less than the national average as of October 2022. The cost of car insurance greatly varies based on where you live.

These costs are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.