Compare the Cheapest Car Insurance Quotes in Sparks

In Sparks, car insurance costs an average of $1,248 per year, 34.3% less than Nevada’s average. GEICO provides the cheapest, open-to-all car insurance in Sparks, costing roughly $880 annually. MoneyGeek also found low-priced car insurance by coverage and driver profile to help you get the right match, and what companies rank highest for affordability with great customer service.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 11/25/2022
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The least expensive car insurance in Sparks is with GEICO — but this may change with coverage needs and profile. GEICO is the cheapest for state minimum coverage, while State Farm is with a speeding ticket. USAA may be the best for military families. MoneyGeek found State Farm is the best car insurance company in Sparks, balancing cost and service quality.

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The Cheapest and Best Car Insurance in Sparks

The Cheapest Car Insurance Companies in Sparks

For a full coverage auto policy in Sparks, the cheapest auto insurance companies, on average, are:

  • GEICO: ​​$880 per year
  • Travelers: $930 per year

At roughly $763 a year, USAA has the cheapest full coverage car insurance in Sparks; it’s the best choice for eligible active-duty military personnel, veterans and their families.

CSAA, with the most expensive full coverage car insurance in Sparks, costs around 129.9% more than GEICO, the least expensive, widely available option.

A full coverage policy includes both comprehensive and collision insurance plus liability. Your premium may vary depending on the amount of liability you choose.

Cheapest Car Insurance in Sparks
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $763
  • 2.
    GEICO
    $880
  • 3.
    Travelers
    $930
  • 4.
    State Farm
    $1,032
  • 5.
    Allstate
    $1,135
  • 6.
    Farmers
    $1,491
  • 7.
    CSAA
    $2,023

MoneyGeek calculated average rates for a sample 40-year-old male driver with full coverage in Sparks using our methodology.

Full coverage contains liability and comprehensive and collision insurance, covering damage to your car, which is valuable. The extra security is why full coverage costs more than minimum coverage.

  • Comprehensive insurance: covers the cost of replacing or repairing your car after non-collision damage, such as fire, vandalism, theft or hail
  • Collision insurance: covers car repairs or replacement after an at-fault collision with a vehicle or stationary object

If you have full coverage on an old car, you may pay more in insurance than the car is worth. Liability-only insurance or state minimum coverage could be a better and more affordable option.

Compare Car Insurance Rates in Sparks

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Sparks for Minimum Coverage

The cheapest Sparks car insurance option is a state minimum coverage policy.

The following companies, on average, provide the most affordable minimum coverage policy in Sparks:

  • GEICO: $461 per year
  • Travelers: $537 per year

With an annual cost of around $388, USAA offers the cheapest state minimum auto insurance in Sparks, but only active-duty military personnel, veterans and their families may be eligible.

There is about a $477 price difference between a minimum coverage policy with CSAA, the most expensive, and GEICO, Sparks' cheapest, widely available car insurance company.

Minimum coverage is the most budget-friendly car insurance in Sparks, but with low levels of liability coverage and the exclusion of comprehensive and collision insurance, you put yourself at risk. The table below displays how rates change with more liability coverage.

Cheapest Minimum Liability Car Insurance in Sparks
State Minimum

Nevada’s minimum required coverage is the least expensive auto insurance available in Sparks. But it also offers the least protection. The state minimum policy in Nevada has $25,000 bodily injury liability per person and $50,000 per accident, and $20,000 property damage liability per accident.

Minimum coverage auto insurance may help you save money on insurance, but in the unfortunate event of an at-fault accident, you could have out-of-pocket expenses. For example, if you cause $70,000 in total medical expenses but only have coverage for $50,000 per accident, you must pay $20,000.

Nevada Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Sparks if You Have Driving Violations

If your driving history includes an at-fault accident, DUI or speeding ticket, you will pay more for car insurance in Sparks than a driver with a clean record.

For drivers with a violation, on average, the cheapest, widely available car insurance in Sparks is from:

  • Cheapest after a ticket: State Farm, $1,117 per year
  • Cheapest after an at-fault accident: State Farm, $1,202 per year
  • Cheapest after a DUI: State Farm, $1,117 per year

USAA is the most affordable for drivers with a speeding ticket (around $877/year) or at-fault accident (around $1,035/year) if they have a qualifying military background.

To save money on car insurance in Sparks, drivers with a poor record can shop around and compare quotes to find the best deal while working to improve their record over time.

Cheapest Car Insurance in Sparks With a Violation
Speeding Ticket

Average Cost of Car Insurance in Sparks

Sparks$1,248
Nevada$1,900
U.S.$1,424

The average car insurance cost in Sparks is $1,248 per year, which is 34.3% less than the Nevada average and 12.4% less than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Sparks

There are various factors that can influence Sparks auto insurance quotes, including ZIP code, age, gender, car make and model and the level of coverage that you need.

Before making a selection, one of the most popular best practices to follow when looking for a car insurance provider is to compare quotes from at least three different companies. That will help you get the best possible offer in Sparks for car insurance.

Compare Car Insurance Rates in Sparks

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Sparks

MoneyGeek found the best car insurance companies in Sparks by analyzing average rates, claims ratings and user satisfaction scores. Based on these factors, the top-rated car insurance companies in Sparks are:

  • State Farm: MoneyGeek score of 88.2 out of 100
  • GEICO: MoneyGeek score of 83.8 out of 100

USAA only caters to military members and their dependens, therefore, MoneyGeek did not include it in this analysis. USAA earned a MoneyGeek score of 100, though, placing it as the top car insurance company in Sparks.


1
State Farm
Score:88

3/5

Affordability

3/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

Customer satisfaction, affordability and claims satisfaction scores were excellent for State Farm in Sparks with an average cost of $1,032. To supplement their existing coverage, policyholders in Sparks can add unique rideshare insurance.

More About State Farm

With consistently good ratings across categories, State Farm is the best auto insurance company in Sparks. With State Farm, you can add roadside assistance, rental car reimbursement and rideshare insurance to your standard insurance policy. Among other insurance providers, rideshare insurance is uncommon. However, this insurer offers this rare coverage. You will remain covered under your personal policy while working for a ridesharing company with this endorsement. To the extent that coverage limits are met, State Farm offers roadside assistance that includes towing, gas delivery, tire change, oil change, mechanical labor and locksmith labor. Expenses associated with renting a car can also be reimbursed up to a certain limit through rental reimbursement.

Read MoneyGeek's State Farm auto Insurance Review
2
GEICO
Score:84

5/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO has excellent claims, affordability and user satisfaction scores, making it the second best auto insurance company in Sparks. The cost of a full coverage policy is around $880 per year. Mechanical breakdown insurance is available as an add-on from GEICO.

More About GEICO

GEICO offers auto insurance coverage options in Sparks that can be customized. It may be more economical to add mechanical breakdown insurance to a car less than 15 months old than to extend the warranty. In contrast to warranty plans that cover specific items only, GEICO covers all parts and systems. Additionally, accident forgiveness coverage can be purchased. The insurance premiums you pay will not increase if you are at fault for your first accident. It is free of charge if a driver over 21 has been accident-free for at least five years.

Read MoneyGeek's GEICO auto Insurance Review

Average Cost of Car Insurance by Postal Code

Your ZIP code may affect your car insurance cost if you reside in a Nevada region with a high percentage of, for example, car accidents, auto theft or other dangers.

The average cost of car insurance in Sparks varies somewhat according to the ZIP code. The most expensive ZIP code, 89431 at $1,270 a year, costs $44 more than the least expensive, 89436 at $1,226 per year.

  • Zip Code
    State Minimumper year
  • 89436
    $1,226
  • 89431
    $1,270

Factors That Impact Insurance Costs in Sparks

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Sparks. How Sparks ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities205th/300
handcuffs2 icon
Most Car Thefts176th/300
uninsured icon
Most Uninsured Motorists by State29th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall299th/300
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Most Rainy Days238th/300

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.