Best Cheap Auto Insurance in Sparta, KY (2021)

The average Sparta, KY auto insurance rates are $391 per month. The minimum auto insurance in Sparta is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Sparta, Kentucky, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The most expensive auto insurance company in Sparta for teen drivers is Travelers
  • The average commute length in Sparta is 19.4 minutes
  • Average auto insurance rates in Sparta, KY for senior drivers are $2,580 per year

Sparta, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Sparta can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Sparta, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Sparta to other Kentucky cities, including Richmond auto insurance rates, Florence auto insurance rates, and Owensboro auto insurance rates to see how Sparta, Kentucky auto insurance rates stack up.

Before you buy Sparta, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Sparta, Kentucky auto insurance quotes.

Minimum Auto Insurance in Sparta, Kentucky

Sparta, Kentucky auto insurance laws require that you have at least the Kentucky minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Sparta, Kentucky.

Minimum Required Auto Insurance Coverage in Sparta, Kentucky

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Sparta, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Sparta, Kentucky are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Sparta, Kentucky

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,259 $3,225 $2,939 $3,136 $12,156 $13,662 $3,619 $3,830
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $2,918 $3,158 $2,476 $2,756 $12,589 $13,900 $3,061 $3,194
Nationwide $3,300 $3,314 $2,972 $3,117 $7,450 $9,339 $3,740 $3,944
Progressive $2,356 $2,250 $2,101 $2,115 $11,275 $12,785 $2,929 $3,015
State Farm $2,480 $2,480 $2,213 $2,213 $7,571 $9,553 $2,770 $3,128
Travelers $2,292 $2,332 $2,255 $2,258 $11,081 $17,783 $2,397 $2,764
USAA $1,982 $1,993 $1,779 $1,819 $5,206 $5,502 $2,512 $2,760

Cheap Sparta, Kentucky Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Sparta, Kentucky is a challenge. Take a look at the annual teen auto insurance rates in Sparta, Kentucky.

Annual Auto Insurance Rates for Teen Drivers in Sparta, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,156 $13,662
GEICO $7,170 $8,568
Liberty Mutual $12,589 $13,900
Nationwide $7,450 $9,339
Progressive $11,275 $12,785
State Farm $7,571 $9,553
Travelers $11,081 $17,783
USAA $5,206 $5,502

Cheap Sparta, Kentucky Auto Insurance for Seniors

What are senior auto insurance rates in Sparta, Kentucky? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Sparta, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,939 $3,136
GEICO $3,742 $3,389
Liberty Mutual $2,476 $2,756
Nationwide $2,972 $3,117
Progressive $2,101 $2,115
State Farm $2,213 $2,213
Travelers $2,255 $2,258
USAA $1,779 $1,819

Cheap Sparta, Kentucky Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Sparta, Kentucky compared to the annual auto insurance rates with a clean record in Sparta, Kentucky.

Annual Sparta, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,745 $6,199 $6,612 $5,356
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $4,578 $7,073 $5,498 $4,877
Nationwide $3,682 $4,781 $6,064 $4,062
Progressive $4,015 $5,924 $4,586 $4,888
State Farm $3,693 $4,409 $4,051 $4,051
Travelers $4,702 $4,837 $6,998 $5,044
USAA $2,219 $3,142 $3,746 $2,670

Cheap Sparta, Kentucky Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Sparta, Kentucky is not easy. Compare the annual rates for DUI auto insurance in Sparta, Kentucky to find the best deal.

Annual Auto Insurance Rates After a DUI in Sparta, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,612
GEICO $7,199
Liberty Mutual $5,498
Nationwide $6,064
Progressive $4,586
State Farm $4,051
Travelers $6,998
USAA $3,746

Cheap Sparta, Kentucky Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Sparta, Kentucky annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Sparta, Kentucky

Insurance Company Poor Fair Good
Allstate $7,576 $5,240 $4,368
GEICO $7,256 $3,623 $2,361
Liberty Mutual $7,884 $4,833 $3,801
Nationwide $5,647 $4,437 $3,858
Progressive $5,438 $4,725 $4,397
State Farm $5,872 $3,532 $2,748
Travelers $6,018 $5,094 $5,074
USAA $4,399 $2,446 $1,988

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Sparta, Kentucky Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Sparta, Kentucky can vary. Compare the annual cost of auto insurance by ZIP code in Sparta, Kentucky to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Sparta, Kentucky

ZIP Code Average Annual Rates
41086 $4,201

Cheap Sparta, Kentucky Auto Insurance Rates By Commute

Commute length and annual mileage affect Sparta, Kentucky auto insurance. Find the cheapest annual Sparta, Kentucky auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Sparta, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,728 $5,728
GEICO $4,371 $4,456
Liberty Mutual $5,506 $5,506
Nationwide $4,647 $4,647
Progressive $4,853 $4,853
State Farm $3,955 $4,147
Travelers $5,395 $5,395
USAA $2,835 $3,054

Cheap Sparta, Kentucky Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Sparta, Kentucky? Check out the comparison of annual Sparta, Kentucky auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Sparta, Kentucky

Insurance Company Low Medium High
Allstate $5,357 $5,707 $6,120
GEICO $4,176 $4,404 $4,660
Liberty Mutual $5,282 $5,476 $5,761
Nationwide $4,735 $4,596 $4,611
Progressive $4,539 $4,802 $5,219
State Farm $3,862 $4,051 $4,240
Travelers $5,120 $5,420 $5,646
USAA $2,827 $2,938 $3,068

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Sparta, Kentucky

Compare the cheapest auto insurance companies in Sparta, Kentucky in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Sparta, Kentucky

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Sparta, Kentucky Auto Insurance Companies

What auto insurance companies in Sparta, Kentucky are the cheapest? Compare the top Sparta, Kentucky auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Sparta, Kentucky

Insurance Company Average Annual Rates
Allstate $5,728
GEICO $4,413
Liberty Mutual $5,506
Nationwide $4,647
Progressive $4,853
State Farm $4,051
Travelers $5,395
USAA $2,944

What affects auto insurance rates in Sparta, Kentucky?

There are a lot of reasons why auto insurance rates in Sparta, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Sparta, Kentucky. Many local factors may affect your Sparta auto insurance rates.

Sparta Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sparta, Kentucky commute length is 19.4 minutes according to City-Data.

Sparta Traffic

How does Sparta, Kentucky rank for traffic? According to Inrix Sparta, Kentucky is the 491st most congested worldwide.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Sparta, Kentucky Auto Insurance Quotes

Before you buy Sparta, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Sparta, Kentucky auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption