Buy Cheap Sparks, GA Auto Insurance in 2024
Sparks, GA auto insurance rates average $383 a month. Minimum auto insurance requirements in Sparks, Georgia are 25/50/25 to comply with Georgia laws. To buy cheap auto insurance in Sparks, GA, compare Sparks auto insurance quotes from top companies.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Aug 26, 2024
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.
UPDATED: Aug 26, 2024
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.
On This Page
- Average auto insurance rates in Sparks, GA for teens drivers are $8,887/year
- The most expensive auto insurance company in Sparks is Liberty Mutual
- The most expensive auto insurance company in Sparks after a DUI is Liberty Mutual
Finding affordable Sparks, Georgia auto insurance can be challenging, but everything you need to know to buy cheap Sparks, GA auto insurance with confidence is right here. Auto insurance rates in Sparks are affected by local factors as well as personal ones like your driving record.
See how Sparks, GA car insurance rates compare to Sandy Springs auto insurance rates, Columbus auto insurance rates, and Alpharetta auto insurance rates before you read more about the cost of auto insurance in Sparks.
Don’t buy Sparks, GA auto insurance until you’ve compared rates. Get free Sparks, Georgia auto insurance quotes when you enter your ZIP code above.
Sparks, GA Minimum Auto Insurance Requirements
The required auto insurance in Sparks, GA is 25/50/25 according to the auto insurance laws in Georgia. The minimum auto insurance in Sparks, Georgia is outlined here.
| 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 |
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Find Cheap Sparks, GA Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Sparks, GA. Take a look at Sparks, Georgia auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,164 | $3,581 | $3,190 |
| Geico | $3,286 | $2,309 | $2,243 |
| Liberty Mutual | $13,286 | $8,119 | $6,367 |
| Nationwide | $8,567 | $6,929 | $6,056 |
| Progressive | $4,145 | $3,562 | $3,292 |
| State Farm | $3,835 | $2,393 | $1,899 |
| USAA | $3,618 | $2,543 | $2,171 |
Buy Cheap Sparks, GA Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Sparks, Georgia auto insurance rates? Find out how car insurance rates in Sparks, GA are impacted by demographics.
| 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 | $2,757 | $2,757 | $2,647 | $2,647 | $6,385 | $8,193 | $3,080 | $3,360 |
| Geico | $1,602 | $1,577 | $1,548 | $1,548 | $4,690 | $5,614 | $2,046 | $2,277 |
| Liberty Mutual | $5,019 | $5,468 | $4,115 | $4,669 | $20,684 | $23,096 | $5,325 | $5,681 |
| Nationwide | $4,160 | $4,303 | $4,100 | $4,516 | $13,009 | $16,786 | $5,079 | $5,520 |
| Progressive | $2,328 | $2,161 | $1,997 | $2,093 | $7,201 | $7,989 | $2,706 | $2,854 |
| State Farm | $1,770 | $1,770 | $1,591 | $1,591 | $4,717 | $6,189 | $1,942 | $2,099 |
| USAA | $1,568 | $1,567 | $1,453 | $1,463 | $5,525 | $6,542 | $1,948 | $2,154 |
Buy Cheap Sparks, GA Auto Insurance for Teen Drivers
Auto insurance for teenagers in Sparks can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Sparks, GA are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,385 | $8,193 |
| Geico | $4,690 | $5,614 |
| Liberty Mutual | $20,684 | $23,096 |
| Nationwide | $13,009 | $16,786 |
| Progressive | $7,201 | $7,989 |
| State Farm | $4,717 | $6,189 |
| USAA | $5,525 | $6,542 |
Buy Cheap Sparks, GA Auto Insurance for Seniors
You can save on senior auto insurance rates in Sparks, Georgia by comparing Sparks senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Sparks, GA here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,647 | $2,647 |
| Geico | $1,548 | $1,548 |
| Liberty Mutual | $4,115 | $4,669 |
| Nationwide | $4,100 | $4,516 |
| Progressive | $1,997 | $2,093 |
| State Farm | $1,591 | $1,591 |
| USAA | $1,453 | $1,463 |
Find Cheap Auto Insurance Rates in Sparks, GA by Coverage Level
The amount of coverage you choose is a big factor in the cost of Sparks, Georgia auto insurance. Compare Sparks, GA auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,611 | $4,029 | $4,295 |
| Geico | $2,436 | $2,624 | $2,778 |
| Liberty Mutual | $8,883 | $9,207 | $9,682 |
| Nationwide | $7,051 | $7,313 | $7,188 |
| Progressive | $3,403 | $3,616 | $3,980 |
| State Farm | $2,531 | $2,710 | $2,885 |
| USAA | $2,649 | $2,762 | $2,921 |
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Find Cheap Sparks, GA Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Sparks. Compare auto insurance rates in Sparks, GA by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,887 | $4,070 |
| Geico | $2,567 | $2,658 |
| Liberty Mutual | $9,257 | $9,257 |
| Nationwide | $7,184 | $7,184 |
| Progressive | $3,666 | $3,666 |
| State Farm | $2,709 | $2,709 |
| USAA | $2,651 | $2,904 |
Find Cheap Sparks, GA Auto Insurance Rates by Driving Record
Auto insurance rates in Sparks, Georgia are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Sparks, GA, take a look at the average cost for various violations versus rates for a clean driving record in Sparks.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,272 | $5,093 | $4,103 | $3,445 |
| Geico | $1,755 | $2,204 | $4,524 | $1,967 |
| Liberty Mutual | $7,035 | $9,591 | $11,032 | $9,370 |
| Nationwide | $5,518 | $6,483 | $10,034 | $6,701 |
| Progressive | $2,891 | $5,040 | $3,371 | $3,362 |
| State Farm | $2,468 | $2,949 | $2,709 | $2,709 |
| USAA | $2,133 | $2,691 | $3,911 | $2,375 |
Find Cheap Sparks, GA Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Sparks, Georgia is higher than for a clean driving record. You can buy auto insurance after a DUI in Sparks for less when you shop around and compare rates from multiple Sparks, GA auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,103 |
| Geico | $4,524 |
| Liberty Mutual | $11,032 |
| Nationwide | $10,034 |
| Progressive | $3,371 |
| State Farm | $2,709 |
| USAA | $3,911 |
Winners by Category: Where to Buy Cheap Auto Insurance in Sparks, GA
Compare rates from the cheapest auto insurance companies in Sparks, GA for your needs. Take a look at how Sparks, Georgia auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
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Find Cheap Sparks, Georgia Auto Insurance Companies
If you’re looking for the cheapest Sparks, GA auto insurance companies overall, you can compare them here. Find the best price for Sparks, Georgia car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,978 |
| Geico | $2,613 |
| Liberty Mutual | $9,257 |
| Nationwide | $7,184 |
| Progressive | $3,666 |
| State Farm | $2,709 |
| USAA | $2,777 |
What affects Sparks, Georgia auto insurance rates?
Local factors affect auto insurance rates in Sparks, GA, including traffic, theft statistics, and commute length. Take a look at the things that impact Sparks auto insurance rates.
Commute Times in Sparks
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Sparks, GA is 20.0 minutes according to City-Data.
Compare Auto Insurance Quotes in Sparks, GA
You can buy cheap Sparks, GA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Sparks, Georgia auto insurance quotes from top companies.
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Frequently Asked Questions
How can I find cheap auto insurance in Sparks, GA?
To find cheap auto insurance in Sparks, GA, you can follow these steps:
- Compare quotes from multiple insurance providers: Obtain quotes from different insurers to compare prices and coverage options.
- Opt for higher deductibles: Increasing your deductible can lower your premium, but be sure to choose a deductible you can afford to pay.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations often results in lower insurance rates.
- Consider bundling policies: If you have multiple insurance needs, bundling your auto insurance with other policies, such as home or renters insurance, may lead to discounts.
- Ask about available discounts: Inquire with insurance companies about any discounts they offer, such as for safe driving, good grades (for student drivers), or vehicle safety features.
Are there any specific auto insurance requirements in Sparks, GA?
Yes, Sparks, GA, like other places, has specific auto insurance requirements. In Georgia, drivers are required to have liability insurance, which covers the costs of injuries or property damage to others if you cause an accident. The minimum liability insurance limits in Georgia are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.
What factors can affect the cost of auto insurance in Sparks, GA?
Several factors can influence the cost of auto insurance in Sparks, GA, including:
- Your driving record: Drivers with a history of accidents or traffic violations often pay higher premiums.
- Vehicle make and model: Some cars are more expensive to insure due to their repair costs, theft rates, or safety ratings.
- Age and gender: Younger drivers, especially teenagers, generally face higher insurance rates. In some cases, males may also have higher premiums.
- Coverage and deductibles: The level of coverage you choose and the deductibles you select can affect your insurance premium.
- Location: Your ZIP code can impact rates due to factors like crime rates, population density, and traffic patterns.
Can I get auto insurance if I have a bad driving record or past accidents?
Yes, even if you have a bad driving record or past accidents, you can still obtain auto insurance coverage in Sparks, GA. However, insurance companies may consider you a higher risk and charge you higher premiums. It’s essential to compare quotes from different insurers to find the best coverage options available to you.
How can I lower my auto insurance premiums in Sparks, GA?
To lower your auto insurance premiums in Sparks, GA, you can:
- Maintain a good driving record: Avoid accidents and traffic violations.
- Consider a defensive driving course: Completing an approved defensive driving course may qualify you for a discount.
- Review your coverage and deductibles: Assess your coverage needs and adjust them accordingly.
- Ask about available discounts: Inquire with your insurance provider about discounts you may be eligible for.
- Improve your credit score: In some states, insurers use credit information to determine premiums, so maintaining a good credit score can be beneficial.
How often should I review my auto insurance policy in Sparks, GA?
It’s generally recommended to review your auto insurance policy in Sparks, GA annually or whenever there are significant changes in your circumstances. This includes moving to a new address, adding or removing drivers from your policy, purchasing a new vehicle, or changing your coverage needs. By reviewing your policy regularly, you can ensure that you have adequate coverage and explore opportunities to save on premiums by comparing quotes from different insurers.
Can I purchase auto insurance online in Sparks, GA?
Yes, you can purchase auto insurance online in Sparks, GA. Many insurance companies offer online platforms where you can obtain quotes, compare coverage options, and purchase your policy conveniently from the comfort of your home. It’s advisable to research and choose reputable insurance providers with secure online payment systems to ensure the protection of your personal information.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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.