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


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Updated: May 20, 2024

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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
2024

Cheapest and Best Car Insurance in Sparks

Why Trust MoneyGeek? We rated insurance providers based on our proprietary scoring system. The policy costs we mentioned in this study were gathered after analyzing data and information from the Nevada Division of Insurance and Quadrant Information Services.

90,496Quotes Analyzed
 
16Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
NationwideAnnual Premium$371Monthly Premium$31
State FarmAnnual Premium$371Monthly Premium$31
Capital Insurance GroupAnnual Premium$388Monthly Premium$32
MercuryAnnual Premium$419Monthly Premium$35
ProgressiveAnnual Premium$466Monthly Premium$39
GEICOAnnual Premium$495Monthly Premium$41
FarmersAnnual Premium$531Monthly Premium$44
TravelersAnnual Premium$556Monthly Premium$46

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$739Monthly Premium$62
MercuryAnnual Premium$786Monthly Premium$65
NationwideAnnual Premium$817Monthly Premium$68
Capital Insurance GroupAnnual Premium$836Monthly Premium$70
FarmersAnnual Premium$904Monthly Premium$75
GEICOAnnual Premium$936Monthly Premium$78
American FamilyAnnual Premium$971Monthly Premium$81
ProgressiveAnnual Premium$1,031Monthly Premium$86

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$817Monthly Premium$68
NationwideAnnual Premium$932Monthly Premium$78
MercuryAnnual Premium$1,067Monthly Premium$89
Capital Insurance GroupAnnual Premium$1,105Monthly Premium$92
FarmersAnnual Premium$1,163Monthly Premium$97
AllstateAnnual Premium$1,211Monthly Premium$101
American FamilyAnnual Premium$1,301Monthly Premium$108
ProgressiveAnnual Premium$1,360Monthly Premium$113

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,664Individual Plan Monthly Premium$5,472
State FarmFamily Plan Annual Premium$2,193Individual Plan Monthly Premium$4,744
AllstateFamily Plan Annual Premium$2,362Individual Plan Monthly Premium$11,361
FarmersFamily Plan Annual Premium$2,868Individual Plan Monthly Premium$15,053
TravelersFamily Plan Annual Premium$3,057Individual Plan Monthly Premium$9,253
Capital Insurance GroupFamily Plan Annual Premium$3,570Individual Plan Monthly Premium$7,923
KemperFamily Plan Annual Premium$3,977Individual Plan Monthly Premium$9,142
ProgressiveFamily Plan Annual Premium$4,169Individual Plan Monthly Premium$16,218

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$717Monthly Premium$60
State FarmAnnual Premium$739Monthly Premium$62
MercuryAnnual Premium$786Monthly Premium$65
NationwideAnnual Premium$817Monthly Premium$68
Capital Insurance GroupAnnual Premium$836Monthly Premium$70
FarmersAnnual Premium$904Monthly Premium$75
GEICOAnnual Premium$936Monthly Premium$78
American FamilyAnnual Premium$971Monthly Premium$81

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.

Car Insurance Calculator

MoneyGeeks'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:

Jul 22, 2024

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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

checkmark

Scored the highest for claims management and customer satisfaction

checkmark

Offers custom parts coverage, full glass coverage and roadside assistance

cons

close

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

checkmark

Ranked #1 for claims management and customer satisfaction

checkmark

Provides roadside assistance, custom parts and full glass coverages

cons

close

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

checkmark

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

checkmark

Provides a good student discount

checkmark

Ranks #1 for claims management and customer satisfaction

cons

close

Only offers one discount

close

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 has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.