How much is auto insurance in Sparks?

The average cost of car insurance in Sparks, Nevada, is $1,722 per year. That's less expensive than the average rate in Nevada ($1,974) and more expensive than the U.S. average of $1,548. Continue reading to see how much you can expect to pay for insurance based on your marital status, age, credit score and other factors in Sparks.

CAR INSURANCE RATES IN SPARKS
Sparks Average (annual) Nevada Average National Average
$1,722 $1,974 $1,548

 

Table of contents:
  • Company
  • Age
  • Gender
  • Driving record
  • Credit score

 

Sparks auto insurance rates by provider

 

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the carrier from which you receive the most affordable quote. In Sparks, GEICO provides the most affordable rates for the typical insurance customer. See below the best options for affordable auto insurance in Sparks. Don't forget to get car insurance quotes based on your driving profile.

 

SPARKS CAR INSURANCE RATES BY COMPANY
Company Average Rate (annual)
GEICO $1,101
State Farm $1,158
Farmers $1,637
Progressive $1,664
Allstate $1,953

 

Read our guide to finding the best cheap auto insurance.

 

 

Sparks car insurance premiums by age

The best age for car insurance rates as a driver in Sparks is your 50s: drivers in this age group pay an average of $1,576 per year. Rates for Sparks drivers in their 60s are also relatively affordable, at just $1,581 per year.

Teenage drivers pay Sparks's most expensive insurance rates. When drivers hit their 20s in Sparks and move out of the teenage age bracket, they reduce their premiums substantially. In Sparks, teenage drivers pay $6,414 — a full $4,833 more than the second-most expensive rate paid by an age group.

 

SPARKS AUTO INSURANCE COSTS BY AGE
Age tier Average Annual Rate
Teens $6,414
20s $2,253
30s $1,747
40s $1,712
50s $1,576
60s $1,581
70s $1,944

 

Find out more about how age can change car insurance costs.

 

 

Sparks car insurance rates by gender and marital status

 

Marital status and gender are contributing factors to car insurance rates in some cases. Married drivers in Sparks pay $138 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations.

Gender is another factor that can affect car insurance rates. In Sparks, female drivers pay $69 per year more than do male drivers.

 

SPARKS CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/Gender Average Yearly Rate
Female $1,791
Male $1,722
Single $1,722
Married $1,584
Divorced $1,722
Widowed $1,687

 

Read more about the relationships between gender, marital status and insurance premiums.

Sparks car insurance costs by driving history

No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Sparks drivers found guilty of reckless driving pay a heavy toll when it comes to auto insurance, facing a rate increase of $895 per year versus the city average. A ticket for speeding results in a $458 rate hike while a DWI or DUI violation costs $790per year in extra insurance expenditures.

 

AVERAGE SPARKS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation Average Annual Rate
DUI/DWI $2,512
Reckless Driving $2,617
At-fault Accident (damages < $1,000) $2,280
At-fault Accident (damages > $2,000) $2,713
Speeding Ticket (16-20 mph over speed limit) $2,180

 

Learn more about citations' impact on your auto insurance rates.

 

 

Sparks car insurance rates by credit score

 

Credit score is often closely correlated with car insurance costs. Sparks drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 48% on their auto insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in the search for cheaper car insurance rates. In Sparks, improving your credit to "Fair" corresponds with a $430 decrease in annual car insurance rates.

 

SPARKS AUTO INSURANCE RATES BY CREDIT SCORE
Credit Score Average Annual Rate
Very Poor $2,831
Fair $2,401
Good $2,092
Very Good $1,807
Exceptional $1,479

 

Discover more about the relationship between credit scores and car insurance rates.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

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  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.