Because Nevada law requires their citizens to have auto insurance coverage, finding the right car insurance policy for you is an important step towards safe driving in Sparks. With Insurify, you can compare customized free quotes from national carriers like State Farm and GEICO along with local providers so you can quickly find the cheapest deal for auto insurance rates.
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| Best Companies | ||
|---|---|---|
 Safeco | $129/mo | |
 Liberty Mutual | $205/mo | |
 Travelers | $138/mo |
See More: Best Car Insurance Companies
| Las Vegas | $194/mo |
| Henderson | $158/mo |
| Reno | $118/mo |
| North Las Vegas | $221/mo |
| Sparks | $172/mo |
| Nevada | $173/mo |
All motor vehicles operated or parked on Nevada roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Nevada are as follows:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Nevada state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/65, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Nevada law.
The state minimum amount of property damage liability property damage liability coverage required in the state of Nevada is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
| Driver's Age | |
|---|---|
| Teens | $583 |
| 20s | $358 |
| 30s | $261 |
| 40s | $246 |
| 50s | $219 |
| 60s | $214 |
| 70s | $249 |
| 80s | $260 |
| Driving History | |
|---|---|
| Clean Record | $174 |
| Speeding Ticket | $232 |
| At-Fault Accident | $223 |
| DUI | $345 |
See More: High-risk Car Insurance Nevada
See More: DUI Car Insurance Nevada
| Credit Tie | |
|---|---|
| Excellent | $176 |
| Good | $188 |
| Average | $219 |
| Bad | $272 |
See More: Bad Credit Car Insurance Nevada
While there is no Department of Motor Vehicles office in Sparks, Nevada, drivers in the city can visit nearby Reno for all DMV services. The Reno DMV is open Monday through Friday from 8:00 a.m. to 5:00 p.m. and visitors are strongly encouraged to make an appointment in advance. The office is located at:
890 Trademark Dr
Reno, NV 89521
(775) 684-4368
Although many people drive in and around Sparks, the Regional Transportation Commission of Washoe offers bus routes around the area and to nearby cities like Reno and Las Vegas. A single ride for an adult passenger costs $2 and a day pass costs $3, so if you’re planning on commuting more than once in a day, a day pass is worth the extra dollar.
If you want more privacy than public transportation can offer but don’t want to deal with the hassle of driving your own vehicle, Uber and Lyft operate in the Sparks area.
As Nevada drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time calling multiple insurance agents to find the perfect auto insurance policy. Instead, use Insurify for all your insurance needs and find the best rates available by comparing dozens of insurance quotes in under five minutes.
With an estimated 10.6 percent of vehicles driving uninsured throughout Nevada, give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsuredmotorist — use Insurify to find the best and cheapest car insurance out there. You can also use Insurify insurance services to shop for home insurance and life insurance.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Sparks drivers measure up to their fellow Nevada motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Sparks drivers rank 2 in the number of car accidents per driver across all cities in Nevada.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Nevada, Sparks drivers rank 2 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Sparks drivers rank 3 in the number of DUI’s per driver across all cities in Nevada.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Sparks is the Chevrolet Silverado.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Nevada, Sparks drivers rank 1 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Sparks drivers rank 5 in clean driving records across all cities in Nevada.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Sparks drivers rank 1 in failure to yield violations per driver across all cities in Nevada.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Nevada, Sparks drivers rank 5 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Sparks drivers rank 2 in hybrid and electric vehicle ownership across all cities in Nevada.
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
The state of Nevada offers many green driver incentives, including federal tax credits, parking fee exemptions for alternative fuel vehicles, and discounts through some car insurance carriers.
You can use Insurify to identify the car insurance companies that can offer you the cheapest premiums in Sparks. You’ll just need to enter your information once to get started. From there, we’ll provide quotes from national insurance providers like Allstate and Progressive along with quotes from local providers so you can find the best rate for you.
The average cost of car insurance in Sparks, Nevada is $122 per month, or $1,464 per year. However, keep in mind that rates will vary based on a driver's age, gender, driving record, and credit score. That’s why it’s always important to shop around and compare quotes with Insurify in order to find the best deal in car insurance for you.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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