Buy Cheap Sparta, IL Auto Insurance (2021)

Sparta, IL auto insurance rates average $283 a month. Minimum auto insurance requirements in Sparta, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Sparta, IL, compare Sparta auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.

A Concise Overview

  • Average auto insurance rates in Sparta, IL for teens drivers are $6,433/year
  • Average auto insurance rates in Sparta, IL are $283/month
  • The most expensive auto insurance company in Sparta after a DUI is Allstate

Finding affordable Sparta, Illinois auto insurance can be challenging, but everything you need to know to buy cheap Sparta, IL auto insurance with confidence is right here. Auto insurance rates in Sparta are affected by local factors as well as personal ones like your driving record.

See how Sparta, IL car insurance rates compare to Naperville auto insurance rates, Peoria auto insurance rates, and Rockford auto insurance rates before you read more about the cost of auto insurance in Sparta.

Don’t buy Sparta, IL auto insurance until you’ve compared rates. Get free Sparta, Illinois auto insurance quotes when you enter your ZIP code above.

Sparta, IL Minimum Auto Insurance Requirements

The required auto insurance in Sparta, IL is 25/50/20 according to the auto insurance laws in Illinois. The minimum auto insurance in Sparta, Illinois is outlined here.

Minimum Required Auto Insurance Coverage in Sparta, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Sparta, IL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Sparta, IL. Take a look at Sparta, Illinois auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Sparta, Illinois

Insurance Company Poor Fair Good
Allstate $6,539 $4,678 $4,095
American Family $5,316 $3,601 $3,038
Farmers $5,126 $4,303 $4,096
GEICO $4,796 $2,334 $1,816
Liberty Mutual $3,335 $2,076 $1,652
Nationwide $4,492 $3,613 $3,159
Progressive $4,297 $3,622 $3,335
State Farm $3,513 $2,102 $1,629
Travelers $3,021 $2,424 $1,972
USAA $3,553 $2,447 $2,019

Buy Cheap Sparta, IL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Sparta, Illinois auto insurance rates? Find out how car insurance rates in Sparta, IL are impacted by demographics.

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

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 $3,281 $3,298 $3,420 $3,420 $8,381 $10,841 $3,938 $4,249
American Family $2,495 $2,495 $2,278 $2,278 $6,945 $9,682 $2,495 $3,213
Farmers $2,434 $2,442 $2,160 $2,279 $10,304 $10,771 $2,773 $2,906
GEICO $1,863 $1,866 $1,757 $2,095 $5,690 $6,014 $2,318 $2,254
Liberty Mutual $1,454 $1,570 $1,205 $1,347 $4,793 $5,334 $1,523 $1,612
Nationwide $2,375 $2,419 $2,104 $2,236 $6,607 $8,514 $2,773 $3,012
Progressive $2,248 $2,142 $1,851 $1,940 $7,662 $8,619 $2,675 $2,875
State Farm $1,555 $1,555 $1,376 $1,376 $4,266 $5,436 $1,753 $2,000
Travelers $1,579 $1,666 $1,433 $1,528 $4,506 $5,627 $1,676 $1,766
USAA $1,590 $1,613 $1,481 $1,454 $5,175 $5,692 $2,089 $2,289

Buy Cheap Sparta, IL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Sparta can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Sparta, IL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Sparta, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,381 $10,841
American Family $6,945 $9,682
Farmers $10,304 $10,771
GEICO $5,690 $6,014
Liberty Mutual $4,793 $5,334
Nationwide $6,607 $8,514
Progressive $7,662 $8,619
State Farm $4,266 $5,436
Travelers $4,506 $5,627
USAA $5,175 $5,692

Buy Cheap Sparta, IL Auto Insurance for Seniors

You can save on senior auto insurance rates in Sparta, Illinois by comparing Sparta senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Sparta, IL here.

Annual Auto Insurance Rates for Senior Drivers in Sparta, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,420 $3,420
American Family $2,278 $2,278
Farmers $2,160 $2,279
GEICO $1,757 $2,095
Liberty Mutual $1,205 $1,347
Nationwide $2,104 $2,236
Progressive $1,851 $1,940
State Farm $1,376 $1,376
Travelers $1,433 $1,528
USAA $1,481 $1,454

Find Cheap Auto Insurance Rates in Sparta, IL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Sparta, Illinois auto insurance. Compare Sparta, IL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Sparta, Illinois

Insurance Company Low Medium High
Allstate $4,910 $5,098 $5,303
American Family $3,854 $4,131 $3,970
Farmers $4,288 $4,398 $4,839
GEICO $2,726 $2,965 $3,256
Liberty Mutual $2,226 $2,350 $2,488
Nationwide $3,730 $3,788 $3,747
Progressive $3,422 $3,731 $4,102
State Farm $2,291 $2,418 $2,534
Travelers $2,324 $2,470 $2,623
USAA $2,486 $2,670 $2,862

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Sparta, IL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Sparta. Compare auto insurance rates in Sparta, IL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Sparta, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,104 $5,104
American Family $3,933 $4,037
Farmers $4,509 $4,509
GEICO $2,920 $3,043
Liberty Mutual $2,355 $2,355
Nationwide $3,755 $3,755
Progressive $3,751 $3,751
State Farm $2,353 $2,476
Travelers $2,376 $2,569
USAA $2,598 $2,748

Find Cheap Sparta, IL Auto Insurance Rates by Driving Record

Auto insurance rates in Sparta, Illinois are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Sparta, IL, take a look at the average cost for various violations versus rates for a clean driving record in Sparta.

Annual Sparta, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,682 $6,208 $5,722 $4,802
American Family $2,930 $4,153 $5,533 $3,325
Farmers $3,815 $4,904 $4,782 $4,534
GEICO $2,183 $2,944 $4,060 $2,741
Liberty Mutual $1,962 $2,782 $2,448 $2,227
Nationwide $3,008 $3,920 $4,625 $3,468
Progressive $3,099 $4,552 $3,432 $3,922
State Farm $2,219 $2,610 $2,415 $2,415
Travelers $1,969 $2,577 $2,873 $2,471
USAA $1,903 $2,742 $3,750 $2,297

Find Cheap Sparta, IL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Sparta, Illinois is higher than for a clean driving record. You can buy auto insurance after a DUI in Sparta for less when you shop around and compare rates from multiple Sparta, IL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Sparta, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,722
American Family $5,533
Farmers $4,782
GEICO $4,060
Liberty Mutual $2,448
Nationwide $4,625
Progressive $3,432
State Farm $2,415
Travelers $2,873
USAA $3,750

Winners by Category: Where to Buy Cheap Auto Insurance in Sparta, IL

Compare rates from the cheapest auto insurance companies in Sparta, IL for your needs. Take a look at how Sparta, Illinois auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Sparta, Illinois

Category Insurance Company
Teenagers State Farm
Seniors Liberty Mutual
Clean Record USAA
With 1 Accident Travelers
With 1 DUI State Farm
With 1 Speeding Violation Liberty Mutual

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Sparta, Illinois Auto Insurance Companies

If you’re looking for the cheapest Sparta, IL auto insurance companies overall, you can compare them here. Find the best price for Sparta, Illinois car insurance by company.

Average Annual Auto Insurance Rates by Company in Sparta, Illinois

Insurance Company Average Annual Rates
Allstate $5,104
American Family $3,985
Farmers $4,509
GEICO $2,982
Liberty Mutual $2,355
Nationwide $3,755
Progressive $3,751
State Farm $2,415
Travelers $2,473
USAA $2,673

What affects Sparta, Illinois auto insurance rates?

Local factors affect auto insurance rates in Sparta, IL, including traffic, theft statistics, and commute length. Take a look at the things that impact Sparta auto insurance rates.

Commute Times in Sparta

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Sparta, IL is 23.8 minutes according to City-Data.

Traffic in Sparta

How is traffic in Sparta, Illinois? Inrix data shows that Sparta, IL traffic makes it the 491st-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Sparta, IL

You can buy cheap Sparta, IL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Sparta, Illinois auto insurance quotes from top companies.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption