Best Cheap Auto Insurance in Sparta, MI (2021)

The average Sparta, MI auto insurance rates are $797 per month. The minimum auto insurance in Sparta is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Sparta, Michigan, compare quotes from multiple companies.

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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.

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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...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Sparta is 26.5 minutes
  • The minimum auto insurance required in Sparta, Michigan is 20/40/10
  • The cheapest auto insurance company in Sparta is USAA

Sparta, Michigan auto insurance requirements are 20/40/10 according to Michigan 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, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Sparta to other Michigan cities, including Grand Rapids auto insurance rates, Lansing auto insurance rates, and Ann Arbor auto insurance rates to see how Sparta, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Sparta, Michigan

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

Minimum Required Auto Insurance Coverage in Sparta, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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

Auto insurance rates in Sparta, Michigan 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, Michigan

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 $16,758 $16,758 $15,566 $15,566 $41,506 $41,506 $17,653 $17,653
Farmers $3,660 $3,660 $3,411 $3,411 $8,353 $8,353 $4,117 $4,117
GEICO $3,465 $3,465 $3,555 $3,555 $10,225 $10,225 $3,324 $3,324
Liberty Mutual $15,334 $15,334 $15,181 $15,181 $36,223 $36,223 $15,334 $15,334
Nationwide $3,878 $3,878 $3,449 $3,449 $10,450 $10,450 $4,263 $4,263
Progressive $2,858 $2,686 $2,533 $2,783 $10,955 $11,870 $3,344 $3,176
State Farm $6,403 $6,403 $5,929 $5,929 $22,456 $22,456 $7,525 $7,525
Travelers $5,326 $5,326 $4,574 $4,574 $16,054 $16,054 $5,786 $5,786
USAA $2,687 $2,536 $2,526 $2,379 $6,546 $6,195 $3,266 $3,121

Cheap Sparta, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Sparta, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,506 $41,506
Farmers $8,353 $8,353
GEICO $10,225 $10,225
Liberty Mutual $36,223 $36,223
Nationwide $10,450 $10,450
Progressive $10,955 $11,870
State Farm $22,456 $22,456
Travelers $16,054 $16,054
USAA $6,546 $6,195

Cheap Sparta, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Sparta, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,566 $15,566
Farmers $3,411 $3,411
GEICO $3,555 $3,555
Liberty Mutual $15,181 $15,181
Nationwide $3,449 $3,449
Progressive $2,533 $2,783
State Farm $5,929 $5,929
Travelers $4,574 $4,574
USAA $2,526 $2,379

Cheap Sparta, Michigan 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, Michigan compared to the annual auto insurance rates with a clean record in Sparta, Michigan.

Annual Sparta, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,140 $14,886 $49,871 $15,586
Farmers $4,106 $5,233 $5,160 $5,042
GEICO $1,782 $3,830 $11,623 $3,332
Liberty Mutual $14,354 $17,322 $32,017 $18,378
Nationwide $4,729 $6,287 $5,713 $5,311
Progressive $4,291 $5,590 $5,011 $5,211
State Farm $6,711 $8,056 $17,473 $10,074
Travelers $5,374 $7,668 $12,346 $6,352
USAA $2,942 $3,674 $4,806 $3,206

Cheap Sparta, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Sparta, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $49,871
Farmers $5,160
GEICO $11,623
Liberty Mutual $32,017
Nationwide $5,713
Progressive $5,011
State Farm $17,473
Travelers $12,346
USAA $4,806

Cheap Sparta, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Sparta, Michigan

Insurance Company Poor Fair Good
Allstate $34,761 $19,207 $14,645
Farmers $6,384 $4,296 $3,977
GEICO $6,605 $4,862 $3,959
Liberty Mutual $32,464 $18,743 $10,346
Nationwide $6,865 $5,217 $4,448
Progressive $5,750 $4,885 $4,442
State Farm $17,145 $8,685 $5,905
Travelers $8,132 $7,886 $7,787
USAA $5,477 $3,123 $2,370

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Cheap Sparta, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Sparta, Michigan

ZIP Code Average Annual Rates
49345 $6,702

Cheap Sparta, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Sparta, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $22,871 $22,871
Farmers $4,885 $4,885
GEICO $5,028 $5,256
Liberty Mutual $19,808 $21,228
Nationwide $5,510 $5,510
Progressive $5,026 $5,026
State Farm $10,302 $10,854
Travelers $7,890 $7,980
USAA $3,615 $3,699

Cheap Sparta, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Sparta, Michigan

Insurance Company Low Medium High
Allstate $22,308 $22,921 $23,383
Farmers $4,756 $4,874 $5,027
GEICO $4,827 $5,098 $5,501
Liberty Mutual $20,018 $20,469 $21,066
Nationwide $5,768 $5,416 $5,347
Progressive $4,888 $5,032 $5,157
State Farm $10,093 $10,638 $11,004
Travelers $7,853 $7,942 $8,010
USAA $3,557 $3,665 $3,748

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Best By Category: Cheapest Auto Insurance in Sparta, Michigan

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

Best Annual Auto Insurance Rates by Company in Sparta, Michigan

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

The Cheapest Sparta, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Sparta, Michigan

Insurance Company Average Annual Rates
Allstate $22,871
Farmers $4,885
GEICO $5,142
Liberty Mutual $20,518
Nationwide $5,510
Progressive $5,026
State Farm $10,578
Travelers $7,935
USAA $3,657

What affects auto insurance rates in Sparta, Michigan?

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

Sparta Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Sparta, Michigan auto theft statistics, there have been 0 auto thefts in the city.

Sparta Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sparta, Michigan commute length is 26.5 minutes according to City-Data.

Sparta Traffic

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

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Compare Sparta, Michigan Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

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