Cheapest and Best Car Insurance in Sparks, NV (2023)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.