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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
While Sparks might seem like a part of Reno itself, this city is separate from the popular tourist attraction, with a population of just over 105,000. Sparks is made up of busy casino areas along with suburbs and more remote areas of Nevada, making it difficult to travel to certain destinations during rush hour. Several highways provide easy access to central Sparks yet are prone to traffic. With so many out of towners in the area unfamiliar with their surroundings, it’s important that you have robust car insurance coverage.
The average cost of Nevada car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Sparks, NV to find you the cheapest quotes in the area.
Here are the cheapest carriers in Sparks for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | Quotes |
|---|---|
 Allstate | $90/mo |
 Progressive | $116/mo |
 Nationwide | $127/mo |
 Liberty Mutual | $135/mo |
 The General | $142/mo |
| Best Companies | Quotes | |
|---|---|---|
 American Family | $182/mo | |
 Mercury | $198/mo |
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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.
Accomplishing your DMV tasks can be challenging in Sparks, as the immediate area only has one office to serve drivers. It’s open Monday through Friday from 8 a.m. to 5 p.m. and is the closest office to Reno as well, making it very highly trafficked. If you have time to drive nearly 20 minutes to the Nevada DMV office, you may find that you’re served far more quickly. This office is open Monday through Friday from 7 a.m. to 6 p.m.
Sparks doesn’t offer residents and visitors a plethora of options when it comes to public transportation, as so much of the central city is walkable. Public bus routes do connect Sparks with Reno and are great for daily commuting, while special destinations may necessitate a ridesharing option like Uber or Lyft. Renting larger vehicles, like party buses, is popular in the greater Sparks area but is only utilized for special occasions.
If you prefer to live in the suburban area of Sparks and rarely visit the downtown area, you might find that driving in this part of the country is very easy. Others who travel near Reno could tell a completely different story, as Highway 80 can be clogged with traffic at various times of the day. No matter what your driving habits are, it’s smart to make sure you stay current on your auto insurance and enroll in the appropriate type of coverage for your needs.
Car insurance in Nevada can be expensive for some, but with Insurify, you’ll be able to compare quotes from multiple companies at once and see if you can find a cheaper policy that still features everything you’re looking for. Drivers in Sparks are surprised by how much they can save with Insurify!
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Sparks stacks up for the state of Nevada:
