- Average car insurance cost in Sparks is $2,560 per year, or approximately $213 per month. This is 14.2% more than the national average rate of $2,221.
- For cheap auto insurance in Sparks, Nevada, SUV models like the Volkswagen Tiguan, Honda CR-V, Hyundai Venue, and Subaru Crosstrek have some of the best rates.
How much does car insurance cost in Sparks?
Average auto insurance cost in Sparks is $2,560 per year, or about $213 per month for a full-coverage car insurance policy. It costs 14.2% more to insure the average vehicle in Sparks than the overall U.S. national average rate of $2,221.
In the state of Nevada, the average car insurance expense is $2,820 per year, so the cost in Sparks averages $260 less per year. The average cost of car insurance in Sparks compared to other Nevada locations is about $10 per year cheaper than in Reno, $890 per year cheaper than in Las Vegas, and $574 per year less than in Henderson.
Driver age is probably the number one factor that determines the cost of car insurance, so the list below details how age impacts cost by breaking down average car insurance rates in Sparks for drivers from 16 to 60.
Average cost of car insurance in Sparks, Nevada, for drivers age 16 to 60
- 16 year old – $9,115 per year or $760 per month
- 17 year old – $8,832 per year or $736 per month
- 18 year old – $7,916 per year or $660 per month
- 19 year old – $7,210 per year or $601 per month
- 20 year old – $5,152 per year or $429 per month
- 30 year old – $2,730 per year or $228 per month
- 40 year old – $2,560 per year or $213 per month
- 50 year old – $2,270 per year or $189 per month
- 60 year old – $2,124 per year or $177 per month
The next chart summarizes auto insurance cost in Sparks for different common policy situations. Rates are averaged for all Sparks Zip Codes and shown based on a range of different driver ages, physical damage deductibles, and driver risk profiles.
Average car insurance rates in the chart range from $2,128 per year for a 40-year-old driver who meets many discount requirements to $5,888 per year for a 30-year-old driver who has to buy high risk car insurance.
When the rates in the chart are converted for monthly budgeting, the average cost of car insurance per month in Sparks ranges from $177 to $491.
Sparks auto insurance rates can cost significantly different amounts and depend on a lot of factors. Due to the high likelihood of rate variability, this reinforces the need for multiple car insurance quotes when trying to find more affordable coverage.
Popular vehicles in Sparks tend to be small or midsize cars like the Honda Civic and Honda Accord and compact or midsize SUVs like the Chevy Equinox, Toyota RAV4, and Toyota Highlander.
Additional popular models from other segments include luxury models like the Lexus ES 350, Acura MDX, and Infiniti QX60 and sports cars like the Nissan GT-R, Chevy Corvette, and Audi TT.
We explore additional rates a little farther in this article, but before we get into that data, let’s quickly review the key concepts covered up to this point.
- Teenage female drivers pay cheaper rates than teenage males – Teenage female drivers pay $1,114 to $597 less per year than male drivers of the same age.
- Auto insurance costs less as you get older – Average rates for a 50-year-old driver in Sparks are $2,882 per year cheaper than for a 20-year-old driver.
- Sparks car insurance rates are cheaper than the Nevada state average – $2,560 (Sparks average) versus $2,820 (Nevada average)
- Auto insurance rates fall considerably in your twenties – The average 30-year-old Sparks, Nevada, driver will pay $2,422 less each year than a 20-year-old driver, $2,730 compared to $5,152.
- Average car insurance cost per month ranges from $177 to $760 – That’s the average auto insurance cost range for drivers aged 16 to 60 in Sparks, Nevada.
- Sparks, NV, average car insurance cost is more than the U.S. average – $2,560 (Sparks average) versus $2,221 (U.S. average)
- Insuring teen drivers is expensive – Average cost ranges from $6,096 to $9,115 per year to insure a teen driver in Sparks.
In Sparks, which vehicles are cheapest to insure?
The vehicles with the cheapest average car insurance prices in Sparks, NV, tend to be crossovers and compact SUVs like the Subaru Crosstrek, Kia Soul, and Buick Envision.
Average insurance rates for those small SUVs cost $173 or less per month for a full coverage policy.
A few other models that have affordable car insurance rates in our auto insurance cost comparison are the Honda HR-V, Kia Niro, Honda CR-V, and Ford Bronco Sport.
Insurance rates are a little higher for those models than the cheapest small SUVs at the top of the rankings, but they still have average rates of $186 or less per month in Sparks.
The table below shows the 40 models with the cheapest car insurance in Sparks, sorted by average cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,892 | $158 |
| 2 | Chevrolet Trailblazer | $1,924 | $160 |
| 3 | Kia Soul | $1,998 | $167 |
| 4 | Nissan Kicks | $2,016 | $168 |
| 5 | Honda Passport | $2,042 | $170 |
| 6 | Buick Envision | $2,054 | $171 |
| 7 | Toyota Corolla Cross | $2,064 | $172 |
| 8 | Hyundai Venue | $2,080 | $173 |
| 9 | Mazda CX-5 | $2,090 | $174 |
| 10 | Ford Bronco Sport | $2,096 | $175 |
| 11 | Volkswagen Tiguan | $2,120 | $177 |
| 12 | Acura RDX | $2,142 | $179 |
| 13 | Nissan Murano | $2,150 | $179 |
| 14 | Buick Encore | $2,174 | $181 |
| 15 | Honda CR-V | $2,182 | $182 |
| 16 | Subaru Outback | $2,182 | $182 |
| 17 | Buick Envista | $2,188 | $182 |
| 18 | Volkswagen Taos | $2,194 | $183 |
| 19 | Kia Niro | $2,204 | $184 |
| 20 | Toyota GR Corolla | $2,226 | $186 |
| 21 | Honda HR-V | $2,228 | $186 |
| 22 | Subaru Ascent | $2,228 | $186 |
| 23 | Nissan Leaf | $2,242 | $187 |
| 24 | Chevrolet Colorado | $2,256 | $188 |
| 25 | Honda Civic | $2,266 | $189 |
| 26 | Lexus NX 250 | $2,268 | $189 |
| 27 | Volkswagen Atlas | $2,272 | $189 |
| 28 | Acura Integra | $2,276 | $190 |
| 29 | Subaru Forester | $2,280 | $190 |
| 30 | Volkswagen Atlas Cross Sport | $2,282 | $190 |
| 31 | Kia Seltos | $2,286 | $191 |
| 32 | GMC Terrain | $2,290 | $191 |
| 33 | Nissan Rogue | $2,300 | $192 |
| 34 | Hyundai Kona | $2,304 | $192 |
| 35 | Mazda CX-30 | $2,308 | $192 |
| 36 | Cadillac XT4 | $2,312 | $193 |
| 37 | Volkswagen ID4 | $2,320 | $193 |
| 38 | Ford Explorer | $2,322 | $194 |
| 39 | Toyota Highlander | $2,330 | $194 |
| 40 | Ford Escape | $2,334 | $195 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sparks, NV Zip Codes. Updated June 27, 2025
A table of 40 of the cheapest vehicles to insure in Sparks is not really the best way to show an overall summary of the cost of auto insurance in Sparks. A better way to look at car insurance rates for many more vehicles is by breaking them out by automotive segment. The next sections show the top 20 models with the most affordable insurance rates in Sparks for each of the main automotive segments.
Cars with the best auto insurance rates in Sparks, NV
Ranking highest for the lowest-cost Sparks car insurance rates in the non-luxury car segment are the Nissan Leaf, Subaru Impreza, Nissan Sentra, Toyota GR Corolla, and Honda Civic. Car insurance prices for these models average $196 or less per month.
Rounding out the top 10 are cars like the Toyota Corolla, Kia K5, Honda Accord, and Chevrolet Malibu, with average insurance cost of $2,494 per year or less.
In the lower half of the top 20 cars to insure, models like the Mazda 3, Kia Forte, Volkswagen Jetta, Toyota Crown, Volkswagen Arteon, and Hyundai Ioniq 6 average between $2,494 and $2,646 per year for auto insurance in Sparks.
Auto insurance rates in Sparks for this segment starts at around $186 per month, depending on your company and location.
If vehicle size is considered, the most affordable non-luxury compact car to insure in Sparks is the Toyota GR Corolla at $2,226 per year. For midsize models, the Kia K5 has the cheapest rates at $2,466 per year. And for full-size sedans, the Chrysler 300 has the most affordable rates at $2,440 per year.
The comparison table below ranks the twenty cars with the lowest-cost insurance rates in Sparks, starting with the Toyota GR Corolla at $2,226 per year and ending with the Mazda 3 at $2,646 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,226 | $186 |
| Nissan Leaf | Compact | $2,242 | $187 |
| Honda Civic | Compact | $2,266 | $189 |
| Nissan Sentra | Compact | $2,344 | $195 |
| Subaru Impreza | Compact | $2,352 | $196 |
| Toyota Prius | Compact | $2,392 | $199 |
| Kia K5 | Midsize | $2,466 | $206 |
| Honda Accord | Midsize | $2,472 | $206 |
| Chevrolet Malibu | Midsize | $2,482 | $207 |
| Toyota Corolla | Compact | $2,494 | $208 |
| Kia Forte | Compact | $2,498 | $208 |
| Volkswagen Arteon | Midsize | $2,518 | $210 |
| Nissan Versa | Compact | $2,522 | $210 |
| Subaru Legacy | Midsize | $2,526 | $211 |
| Hyundai Ioniq 6 | Midsize | $2,546 | $212 |
| Mitsubishi Mirage G4 | Compact | $2,582 | $215 |
| Volkswagen Jetta | Compact | $2,586 | $216 |
| Toyota Crown | Midsize | $2,590 | $216 |
| Hyundai Sonata | Midsize | $2,594 | $216 |
| Mazda 3 | Compact | $2,646 | $221 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sparks, NV Zip Codes. Updated June 27, 2025
For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Nevada.
SUVs with affordable auto insurance in Sparks
Ranking at the top for the cheapest Sparks auto insurance rates in the SUV segment (excluding luxury models) are the Kia Soul, Honda Passport, Nissan Kicks, Subaru Crosstrek, and Chevrolet Trailblazer. Car insurance rates for these vehicles average $2,042 or less per year, or around $170 per month.
Other SUVs that have good average insurance rates include the Mazda CX-5, Ford Bronco Sport, Buick Envision, and Hyundai Venue, with an average cost to insure of $2,096 per year or less.
Ranked in the bottom half of the top 20 cheapest SUVs to insure, SUVs like the Buick Encore, Volkswagen Taos, Kia Niro, Subaru Outback, and Nissan Murano average between $2,096 and $2,228 per year for auto insurance in Sparks.
From a cost per month standpoint, auto insurance rates in this segment for an average middle-age driver can cost as low as $158 per month, depending on the company and where you live.
The rate comparison table below ranks the SUVs with the most affordable average insurance rates in Sparks, starting with the Subaru Crosstrek at $1,892 per year ($158 per month) and ending with the Subaru Ascent at $2,228 per year ($186 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,892 | $158 |
| Chevrolet Trailblazer | Compact | $1,924 | $160 |
| Kia Soul | Compact | $1,998 | $167 |
| Nissan Kicks | Compact | $2,016 | $168 |
| Honda Passport | Midsize | $2,042 | $170 |
| Buick Envision | Compact | $2,054 | $171 |
| Toyota Corolla Cross | Compact | $2,064 | $172 |
| Hyundai Venue | Compact | $2,080 | $173 |
| Mazda CX-5 | Compact | $2,090 | $174 |
| Ford Bronco Sport | Compact | $2,096 | $175 |
| Volkswagen Tiguan | Compact | $2,120 | $177 |
| Nissan Murano | Midsize | $2,150 | $179 |
| Buick Encore | Compact | $2,174 | $181 |
| Honda CR-V | Compact | $2,182 | $182 |
| Subaru Outback | Midsize | $2,182 | $182 |
| Buick Envista | Midsize | $2,188 | $182 |
| Volkswagen Taos | Compact | $2,194 | $183 |
| Kia Niro | Compact | $2,204 | $184 |
| Honda HR-V | Compact | $2,228 | $186 |
| Subaru Ascent | Midsize | $2,228 | $186 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sparks, NV Zip Codes. Updated June 26, 2025
For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.
Don’t see your SUV in the table above? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Nevada.
Cheapest pickups to insure in Sparks, Nevada
Sitting at number one in Sparks for cheapest insurance in the pickup segment is the Chevrolet Colorado, coming in at $2,256 per year. Second place is the Nissan Titan costing $2,396 per year, and third place goes to the Nissan Frontier, costing an average of $2,420 per year.
Some other pickups that have affordable insurance rates include the Honda Ridgeline, Hyundai Santa Cruz, GMC Canyon, and GMC Sierra 2500 HD, with an average cost of $2,634 per year or less.
Auto insurance for this segment in Sparks starts at around $188 per month, depending on where you live and the company you use. The table below ranks the pickups with the cheapest car insurance rates in Sparks, starting with the Chevrolet Colorado at $188 per month and ending with the Ram Truck at $247 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,256 | $188 |
| Nissan Titan | Full-size | $2,396 | $200 |
| Nissan Frontier | Midsize | $2,420 | $202 |
| Ford Ranger | Midsize | $2,446 | $204 |
| Ford Maverick | Midsize | $2,484 | $207 |
| Honda Ridgeline | Midsize | $2,540 | $212 |
| Hyundai Santa Cruz | Midsize | $2,582 | $215 |
| Toyota Tacoma | Midsize | $2,592 | $216 |
| GMC Sierra 2500 HD | Heavy Duty | $2,604 | $217 |
| GMC Canyon | Midsize | $2,634 | $220 |
| Jeep Gladiator | Midsize | $2,696 | $225 |
| GMC Sierra 3500 | Heavy Duty | $2,714 | $226 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,736 | $228 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,808 | $234 |
| GMC Sierra | Full-size | $2,826 | $236 |
| Chevrolet Silverado | Full-size | $2,830 | $236 |
| Nissan Titan XD | Heavy Duty | $2,830 | $236 |
| Ford F150 | Full-size | $2,864 | $239 |
| GMC Hummer EV Pickup | Full-size | $2,936 | $245 |
| Ram Truck | Full-size | $2,960 | $247 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sparks, NV Zip Codes. Updated June 27, 2025
See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.
Don’t see rates for your pickup? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Sparks car insurance quotes from the best companies in Nevada.
Most affordable luxury cars to insure
Ranked at #1 in Sparks for cheapest auto insurance in the luxury sedan segment is the Acura Integra, at an average of $2,276 per year. Second place is the BMW 330i at $2,606 per year, the third most affordable is the Mercedes-Benz CLA250, at an average of $2,634 per year, and the fourth most affordable is the Lexus IS 300, at an average of $2,642 per year.
Additional models that have good average insurance rates are the Lexus RC 300, Genesis G70, Cadillac CT4, and Lexus ES 350, with an average cost to insure of $2,690 per year or less.
As a cost per month, full-coverage car insurance on this segment in Sparks for the average driver starts at around $190 per month, depending on your company and location.
When vehicle size is considered, the cheapest small luxury car to insure in Sparks is the Acura Integra at $2,276 per year, or $190 per month. For midsize luxury cars, the Mercedes-Benz CLA250 has the best rates at $2,634 per year, or $220 per month. And for large luxury cars, the Audi A5 has the cheapest rates at $3,044 per year, or $254 per month.
The table below ranks the twenty cars with the lowest-cost car insurance rates in Sparks, starting with the Acura Integra at $2,276 per year ($190 per month) and ending with the Audi S3 at $2,870 per year ($239 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,276 | $190 |
| BMW 330i | Compact | $2,606 | $217 |
| Mercedes-Benz CLA250 | Midsize | $2,634 | $220 |
| Lexus IS 300 | Midsize | $2,642 | $220 |
| Acura TLX | Compact | $2,648 | $221 |
| Cadillac CT4 | Compact | $2,672 | $223 |
| Lexus ES 350 | Midsize | $2,674 | $223 |
| Genesis G70 | Compact | $2,680 | $223 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,684 | $224 |
| Lexus RC 300 | Midsize | $2,690 | $224 |
| Lexus IS 350 | Compact | $2,702 | $225 |
| Jaguar XF | Midsize | $2,710 | $226 |
| Cadillac CT5 | Midsize | $2,758 | $230 |
| Lexus ES 250 | Midsize | $2,770 | $231 |
| Lexus RC 350 | Compact | $2,776 | $231 |
| BMW 330e | Compact | $2,780 | $232 |
| BMW 228i | Compact | $2,784 | $232 |
| BMW 230i | Compact | $2,806 | $234 |
| Lexus ES 300h | Midsize | $2,810 | $234 |
| Audi S3 | Compact | $2,870 | $239 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sparks, NV Zip Codes. Updated June 27, 2025
For more luxury car insurance comparisons, see our complete guide for luxury car insurance.
Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Sparks car insurance quotes from the best car insurance companies in Nevada.
Luxury SUVs with affordable insurance rates
Ranking at the top of the list for the cheapest Sparks car insurance rates in the luxury SUV segment are the Acura RDX, Jaguar E-Pace, Cadillac XT5, Cadillac XT4, and Lexus NX 250. Car insurance rates for these vehicles average $2,416 or less per year.
Additional luxury SUVs that are affordable to insure include the Mercedes-Benz GLB 250, Lincoln Corsair, Lexus NX 350h, and Lexus UX 250h, with an average cost of $2,470 per year or less.
From a cost per month standpoint, full-coverage insurance in Sparks on this segment for an average middle-age driver will start around $179 per month, depending on your location and insurance company. The next table ranks the twenty luxury SUVs with the cheapest average auto insurance rates in Sparks.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $2,142 | $179 |
| Lexus NX 250 | Compact | $2,268 | $189 |
| Cadillac XT4 | Compact | $2,312 | $193 |
| Jaguar E-Pace | Midsize | $2,394 | $200 |
| Cadillac XT5 | Midsize | $2,416 | $201 |
| Lexus NX 350h | Compact | $2,416 | $201 |
| Lincoln Corsair | Compact | $2,444 | $204 |
| Mercedes-Benz GLB 250 | Compact | $2,450 | $204 |
| Lexus UX 250h | Compact | $2,454 | $205 |
| Lexus NX 450h | Compact | $2,470 | $206 |
| Infiniti QX50 | Midsize | $2,490 | $208 |
| Mercedes-Benz GLA250 | Compact | $2,494 | $208 |
| Mercedes-Benz GLA35 AMG | Compact | $2,504 | $209 |
| Cadillac XT6 | Midsize | $2,508 | $209 |
| Infiniti QX60 | Midsize | $2,520 | $210 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,520 | $210 |
| Land Rover Evoque | Compact | $2,554 | $213 |
| Acura MDX | Midsize | $2,560 | $213 |
| Lexus NX 350 | Compact | $2,566 | $214 |
| Lexus RX 350 | Midsize | $2,572 | $214 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sparks, NV Zip Codes. Updated June 26, 2025
See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.
Looking for rates for a different luxury SUV? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Sparks car insurance quotes from top-rated car insurance companies in Nevada.
Sports cars with cheap auto insurance
The five cheapest sports cars to insure in Sparks are the Mazda MX-5 Miata, Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. Average rates for for these five cars range from $2,368 to $2,868 per year.
Not the cheapest sports cars to insure, but still affordable, are models like the Nissan Z, Toyota GR Supra, Lexus RC F, and Subaru BRZ, with an average cost to insure of $3,060 per year or less.
From a monthly standpoint, full-coverage insurance in Sparks on this segment will start around $197 per month, depending on the company and where you live. The comparison table below ranks the twenty sports cars with the lowest-cost average auto insurance rates in Sparks, starting with the Mazda MX-5 Miata at $2,368 per year ($197 per month) and ending with the Porsche Taycan at $4,336 per year ($361 per month).
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,368 | $197 |
| Toyota GR86 | Sports Car | $2,696 | $225 |
| Ford Mustang | Sports Car | $2,814 | $235 |
| BMW Z4 | Sports Car | $2,828 | $236 |
| Subaru WRX | Sports Car | $2,868 | $239 |
| Toyota GR Supra | Sports Car | $2,876 | $240 |
| BMW M2 | Sports Car | $2,960 | $247 |
| Nissan Z | Sports Car | $2,964 | $247 |
| Lexus RC F | Sports Car | $3,024 | $252 |
| Subaru BRZ | Sports Car | $3,060 | $255 |
| BMW M3 | Sports Car | $3,234 | $270 |
| Porsche 718 | Sports Car | $3,296 | $275 |
| Chevrolet Camaro | Sports Car | $3,326 | $277 |
| Chevrolet Corvette | Sports Car | $3,546 | $296 |
| Porsche 911 | Sports Car | $3,668 | $306 |
| BMW M4 | Sports Car | $3,820 | $318 |
| Lexus LC 500 | Sports Car | $3,842 | $320 |
| Jaguar F-Type | Sports Car | $4,040 | $337 |
| Mercedes-Benz AMG GT53 | Sports Car | $4,236 | $353 |
| Porsche Taycan | Sports Car | $4,336 | $361 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sparks, NV Zip Codes. Updated June 27, 2025
Is your vehicle not in the list? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Sparks.
Tips for getting cheap Sparks car insurance quotes
Financially savvy drivers in Sparks should always be looking to cut the monthly cost of auto insurance So take a minute to review the money-saving ideas below and maybe you’ll find a way to save some money insuring your vehicle.
- Get a discount from your employer. The vast majority of insurance companies offer policy discounts for working in professions like high school and elementary teachers, dentists, accountants, emergency medical technicians, nurses, and others. Having this discount applied to your policy may save between $77 and $249 on your car insurance premium, subject to policy limits.
- Remain claim free and save. Most insurers reduce rates a little for not filing any claims. Car insurance is intended to be used in the case of significant financial loss, not for insignificant claims.
- Buy vehicles with more affordable car insurance rates. The vehicle you drive has a significant impact on the price you pay for insurance. As an example, a Kia Telluride costs $390 less per year to insure in Sparks than a Subaru BRZ. Lower performance vehicles cost less to insure.
- Get cheaper policy cost by avoiding traffic tickets. If you want to get the cheapest car insurance in Sparks, it pays to follow the law. In fact, just a couple blemishes on your motor vehicle report could increase the cost of a policy by at least $682 per year. Serious violations like driving while intoxicated could raise rates by an additional $2,378 or more.
- Compare rates before buying a car. Different cars, and even different trim levels of the same car, have significantly different auto insurance rates, and auto insurance companies can sell policies with a wide range of costs. Check the cost of insurance before you purchase to prevent price shock when you get your insurance bill.
- Increasing deductibles lowers insurance cost. Jacking up your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
- Shop around. Taking a couple of minutes every year or so to get some free car insurance quotes is the best way to save money. Rates change frequently and you can switch companies very easily.