For drivers in Sparks, one of the more important criteria that are looked at to determine the cost of insurance is where you live in Sparks. Areas with increased crime or more people will most likely pay more, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.

The next table lists the most costly cities in Nevada in which to purchase auto insurance. Sparks is listed at #12 having an annual price of $1,304 for car insurance, which is about $109 per month.

How much is auto insurance in Sparks, NV?
Rank City Premium Per Year
1 Winchester $2,094
2 Sunrise Manor $2,090
3 Spring Valley $2,060
4 Paradise $1,981
5 Las Vegas $1,930
6 Enterprise $1,870
7 North Las Vegas $1,844
8 Henderson $1,767
9 Boulder City $1,511
10 Mesquite $1,351
11 Pahrump $1,337
12 Sparks $1,304
13 Reno $1,294
14 Sun Valley $1,292
15 Spanish Springs $1,266
16 Carson City $1,158
17 Fernley $1,149
18 Spring Creek $1,125
19 Elko $1,114
20 Dayton $1,108
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Price information shown is approximated as the specific area where the vehicle is garaged can increase or decrease premiums considerably.

Now that we understand where Sparks ranks price-wise, deciphering which companies offer the cheapest insurance rates in Sparks involves a bit more effort in order to find the lowest price. Every insurance company has their own formula to set policy rates, so we will examine the most budget-friendly insurance companies in Nevada.

We do need to point out that Sparks, NV insurance rates are impacted by many things that will increase or decrease the cost of coverage. Improving your credit score, buying a new vehicle, or getting a ticket for running a stop sign may prompt premium changes that may make certain companies more affordable than the competition.

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Cheapest insurance companies in Nevada
Rank Company Cost Per Year
1 Travelers $912
2 Allied $939
3 Capital $988
4 Progressive $1,190
5 Oregon Mutual $1,193
6 American Family $1,230
7 GEICO $1,256
8 USAA $1,284
9 Safeco $1,306
10 Nationwide $1,334
11 Farmers $1,452
12 MetLife $1,615
13 Country $1,668
14 State Farm $1,749
15 Mercury $1,807
16 Victoria $2,073
17 Liberty Mutual $2,227
18 Allstate $2,337
19 Bristol West $2,384
20 Encompass $2,684
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Travelers generally has some of the most affordable car insurance rates in Sparks at around $912 per year. This is $662 less than the average rate paid by Nevada drivers of $1,574. Allied, Capital, Progressive, and Oregon Mutual also make the cut as some of the lowest-priced Sparks, NV insurance companies.

As shown in the rates above, if you currently have a policy with Progressive and switched to Allied, you may see savings of around $251. Customers with Oregon Mutual may save as much as $254 a year, and American Family customers might reduce prices by as much as $291 a year.

To see if you're overpaying, click here to start a quote or click several companies below for low rates.

These rates are averaged across all drivers and vehicles in Nevada and and are not figured with a specific zip code in Sparks. So the insurer that can offer you the best price may not even be in the list above. That affirms the importance of why you need to quote rates from many companies using your own driver information and specific vehicle type.

The vehicle you are insuring is a large consideration when consumers are trying to find the most economical car insurance in Sparks. Vehicles with limited speed and performance, good safety features, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models. The information below shows coverage costs for a selection of the more afforable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Sparks, NV
Vehicle Insured Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $1,172
Ford Escape XLT 4WD $1,199
Honda CR-V EX-L 2WD $1,308
Ford Focus SE 4-Dr Sedan $1,360
Ford Edge SEL 2WD $1,369
Ford Explorer XLT 2WD $1,433
Toyota Tacoma X-Runner 2WD $1,460
Toyota Prius $1,462
Kia Optima LX $1,484
GMC Sierra SL Crew Cab 2WD $1,491
Honda Odyssey EX $1,486
Ford F-150 XL Regular Cab 4WD $1,489
Chevrolet Malibu LS $1,516
Volkswagen Jetta LE 4-Dr Sedan $1,525
GMC Sierra 2500HD SLT Extended Cab 4WD $1,559
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can raise or lower premium rates substantially.

Based upon these rates, you can figure that makes and models like the Hyundai Elantra, Ford Escape, Honda CR-V, and Ford Focus will be the cheaper vehicles to insure for drivers in Sparks.

The information below shows how choosing a deductible can change annual premium costs when researching cheap insurance in Sparks. The premiums assume a single male driver, full physical damage coverage, and no discounts are applied.

A 40-year-old driver could lower their car insurance rates by $254 a year by changing from a $100 deductible up to a $500 deductible, or save $382 by selecting a $1,000 deductible. Young drivers, such as the Age 20 example, could reduce their rates as much as $830 annually by choosing a higher deductible. If you make the decision to raise deductibles, it is necessary to have enough funds in savings to allow you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Ideas for finding low-cost insurance in Sparks

The list below summarizes many penny-pinching ideas that can help drivers quote lower-cost auto insurance.

The final tip is very valuable, as was emphasized in this piece. Insurance rates adjust often, so drivers shouldn't be resistant to switch companies if a cheaper rate is available.

Staying with the same company for years is fine, but we do not recommend it if your bullheadedness ends up costing you a lot of money. It only takes a couple minutes to compare rates and find cheaper insurance in Sparks.