Auto insurance costs an average of $143 per month in Sparks. If you're paying too much, compare rates and save.
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.
|Sparks Average (annual)||Nevada Average||National Average|
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.
|Company||Average Rate (annual)|
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.
|Age tier||Average Annual Rate|
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.
|Marital Status/Gender||Average Yearly Rate|
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.
|Violation||Average Annual Rate|
|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|
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.
|Credit Score||Average Annual Rate|