Best Cheap Auto Insurance in Sparta, WI (2021)

The average Sparta, WI auto insurance rates are $245 per month. The minimum auto insurance in Sparta is at least 25/50/10 in coverage to comply with Wisconsin auto insurance laws. To find the best cheap auto insurance in Sparta, Wisconsin, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 18, 2021

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Things to Remember

  • The cheapest auto insurance company in Sparta is American Family
  • The most expensive auto insurance company in Sparta for teen drivers is Nationwide
  • Average auto insurance rates in Sparta, WI for senior drivers are $1,641 per year

Sparta, Wisconsin auto insurance requirements are 25/50/10 according to Wisconsin 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, Wisconsin, including driving record, credit, commute time, and more.

Compare auto insurance in Sparta to other Wisconsin cities, including Janesville auto insurance rates, Racine auto insurance rates, and Eau Claire auto insurance rates to see how Sparta, Wisconsin auto insurance rates stack up.

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

Minimum Auto Insurance in Sparta, Wisconsin

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

Minimum Required Auto Insurance Coverage in Sparta, Wisconsin

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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

Auto insurance rates in Sparta, Wisconsin 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, Wisconsin

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 $2,246 $2,372 $2,067 $2,289 $7,090 $9,102 $2,288 $2,487
American Family $949 $992 $898 $904 $2,806 $3,092 $1,123 $1,196
Farmers $1,808 $1,807 $1,605 $1,696 $8,401 $8,695 $2,056 $2,161
GEICO $1,281 $1,408 $1,310 $1,485 $4,200 $4,534 $1,187 $1,232
Liberty Mutual $1,757 $1,916 $1,420 $1,610 $5,968 $6,688 $1,870 $2,030
Nationwide $3,793 $3,990 $3,131 $3,300 $7,682 $11,749 $4,605 $5,480
Progressive $1,769 $1,696 $1,449 $1,503 $6,581 $7,440 $2,133 $2,323
State Farm $1,360 $1,360 $1,202 $1,202 $3,809 $4,812 $1,531 $1,754
USAA $1,351 $1,350 $1,221 $1,245 $3,419 $3,975 $1,756 $1,930

Cheap Sparta, Wisconsin Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Sparta, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,090 $9,102
American Family $2,806 $3,092
Farmers $8,401 $8,695
GEICO $4,200 $4,534
Liberty Mutual $5,968 $6,688
Nationwide $7,682 $11,749
Progressive $6,581 $7,440
State Farm $3,809 $4,812
USAA $3,419 $3,975

Cheap Sparta, Wisconsin Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Sparta, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,067 $2,289
American Family $898 $904
Farmers $1,605 $1,696
GEICO $1,310 $1,485
Liberty Mutual $1,420 $1,610
Nationwide $3,131 $3,300
Progressive $1,449 $1,503
State Farm $1,202 $1,202
USAA $1,221 $1,245

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

Annual Sparta, Wisconsin Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,072 $4,203 $3,914 $3,781
American Family $1,430 $1,517 $1,517 $1,517
Farmers $3,079 $3,882 $3,669 $3,485
GEICO $1,450 $2,334 $2,641 $1,893
Liberty Mutual $2,219 $3,160 $3,280 $2,969
Nationwide $4,622 $5,346 $6,552 $5,346
Progressive $2,853 $3,443 $2,956 $3,196
State Farm $1,962 $2,295 $2,129 $2,129
USAA $1,593 $2,004 $2,711 $1,816

Cheap Sparta, Wisconsin Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Sparta, Wisconsin

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,914
American Family $1,517
Farmers $3,669
GEICO $2,641
Liberty Mutual $3,280
Nationwide $6,552
Progressive $2,956
State Farm $2,129
USAA $2,711

Cheap Sparta, Wisconsin Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Sparta, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,916 $3,381 $2,931
American Family $2,001 $1,319 $1,165
Farmers $3,995 $3,369 $3,222
GEICO $2,729 $1,947 $1,563
Liberty Mutual $4,198 $2,532 $1,992
Nationwide $6,145 $5,127 $5,127
Progressive $3,553 $3,000 $2,783
State Farm $3,175 $1,823 $1,388
USAA $3,136 $1,645 $1,311

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Cheap Sparta, Wisconsin Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Sparta, Wisconsin

ZIP Code Average Annual Rates
54656 $2,858

Cheap Sparta, Wisconsin Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Sparta, Wisconsin

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,653 $3,833
American Family $1,470 $1,520
Farmers $3,529 $3,529
GEICO $2,036 $2,123
Liberty Mutual $2,907 $2,907
Nationwide $5,466 $5,466
Progressive $3,112 $3,112
State Farm $2,078 $2,180
USAA $2,004 $2,057

Cheap Sparta, Wisconsin Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Sparta, Wisconsin

Insurance Company Low Medium High
Allstate $3,580 $3,733 $3,914
American Family $1,477 $1,509 $1,500
Farmers $3,276 $3,504 $3,806
GEICO $1,966 $2,079 $2,194
Liberty Mutual $2,687 $2,933 $3,101
Nationwide $5,325 $5,464 $5,610
Progressive $2,964 $3,133 $3,238
State Farm $2,026 $2,134 $2,226
USAA $1,962 $2,032 $2,098

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Best By Category: Cheapest Auto Insurance in Sparta, Wisconsin

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

Best Annual Auto Insurance Rates by Company in Sparta, Wisconsin

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

The Cheapest Sparta, Wisconsin Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Sparta, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,743
American Family $1,495
Farmers $3,529
GEICO $2,080
Liberty Mutual $2,907
Nationwide $5,466
Progressive $3,112
State Farm $2,129
USAA $2,031

What affects auto insurance rates in Sparta, Wisconsin?

There are a lot of reasons why auto insurance rates in Sparta, Wisconsin are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Sparta, Wisconsin. 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, Wisconsin auto theft statistics, there have been 3 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, Wisconsin commute length is 17.1 minutes according to City-Data.

Sparta Traffic

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

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Compare Sparta, Wisconsin Auto Insurance Quotes

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