Cheapest Car Insurance Quotes in Sparta

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399,755 Policies Sold

Sparta Car Insurance

^$ 37

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Sparta

The car insurance rate in Sparta is $1036 for a six-month policy, which is $10 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $378, making it a popular choice for budget-conscious drivers. Rates in Sparta can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Sparta

$1036

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Sparta

1st place: Country Financial

At $378 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $498 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farm Bureau

Farm Bureau offers auto insurance rates at $666 for six months, making it the third cheapest auto insurance company in Sparta.

Sparta Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sparta, GA is Country Financial, offering policies at just $378 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $498.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1451 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sparta drivers find the best deals.

Cheap Car Insurance Companies in Sparta, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$378	$65
Auto-Owners Insurance Co	$498	$83
Farm Bureau	$666	$113
Georgia Farm Bureau	$732	$122
Auto-Owners	$1068	$180
USAA	$1104	$186
Progressive	$1302	$219
Mercury	$1344	$224
Allstate	$1416	$238
Esurance P&C Ins Co	$1446	$241
State Farm	$1451	$244

Key Takeaways

Way's key takeaways about car insurance in Sparta

The auto insurance costs in Sparta fall around $378 for six months.
The cheapest auto insurance company in Sparta is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Sparta at $1242 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Sparta

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Sparta are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Sparta. Their Average 6 Month Premium is $222. Allstate is the most expensive at $762 for the same period.

Cheapest Liability Coverage in Sparta, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$222	$37
Farm Bureau	$282	$47
Georgia Farm Bureau	$300	$51
Auto-Owners	$360	$61
Mercury	$360	$61
Country Financial	$384	$65
USAA	$402	$68
Progressive	$444	$75
Central Insurance	$468	$78
State Farm	$690	$116
Allstate	$762	$128

Cheapest Full Coverage Car Insurance in Sparta

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Sparta is Country Financial at $65 per month and $378 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sparta, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$378	$65
Auto-Owners Insurance Co	$498	$83
Farm Bureau	$666	$113
Georgia Farm Bureau	$732	$122
Auto-Owners	$1068	$180
USAA	$1104	$186
Progressive	$1302	$219
Mercury	$1344	$224
Allstate	$1416	$238
Esurance P&C Ins Co	$1446	$241
State Farm	$1451	$244

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Average Car Insurance in Sparta by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Sparta, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Sparta, Georgia, may be increasing due to several external factors. Georgia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Sparta's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Sparta

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Georgia Farm Bureau	$717
30s	Georgia Farm Bureau	$574
40s	Georgia Farm Bureau	$550
50s	Georgia Farm Bureau	$527
60s	Georgia Farm Bureau	$523
70s	Georgia Farm Bureau	$633

Cheapest Car Insurance Rates for Teen Drivers in Sparta,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Sparta at $53 per month. At $7379 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$318	$53
Mercury	$378	$65
Country Financial	$450	$76
Central Insurance	$468	$80
USAA	$1776	$299
Auto-Owners	$1950	$328
Georgia Farm Bureau	$2034	$339
Farm Bureau	$2124	$362
State Farm	$5261	$886
Allstate	$5291	$891
Progressive	$7379	$1242

Teen Car Insurance Rates in GA by Age

Way Tip

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Sparta.

As young drivers face the highest rates in Sparta, Georgia Farm Bureau offers the cheapest auto insurance rates at $717 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Sparta, Country Financial is the cheapest car insurance provider. At $312 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Sparta is State Farm, offering rates of around $4530 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$312	$52
Mercury	$366	$63
Farm Bureau	$666	$111
USAA	$1446	$245
Progressive	$2232	$372
Auto-Owners	$2346	$399
Allstate	$2555	$426
State Farm	$4530	$771

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Car Insurance Rates with An Accident in Sparta

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Sparta, GA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Sparta

The cheapest car insurance companies after an at-fault accident in Sparta include AutoOwners Insurance Co and Country Financial, offering $330 and $510, respectively. Allstate is an expensive provider with an average six-month premium of $2172.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$330	$55
Country Financial	$510	$86
Encompass	$564	$94
Central Insurance	$618	$105
Farm Bureau	$732	$122
Georgia Farm Bureau	$900	$154
Auto-Owners	$912	$154
USAA	$978	$165
Progressive	$1806	$304
State Farm	$1830	$308
Allstate	$2172	$366

Sparta Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sparta GA. For example, the car insurance in Sparta after a DUI increases to $1092 for a six month policy. While the rate increases by $342 for a six-month policy in the case of a speeding ticket.

Sparta auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1284	$214
One Med/PIP claim	$1284	$218
One comp claim	$1290	$215
Two Med/PIP claims	$1290	$219
Not-at-fault accident	$1296	$216
Two comp claims	$1314	$223
Driving without lights	$1548	$258
Failure to wear a seat belt	$1548	$264
Child safety restraint	$1566	$261
Failure to show documents	$1566	$267
Cell phone violation	$1602	$267
Texting while driving	$1602	$273
Driving too slowly	$1626	$271
Speeding 6 - 10 MPH over limit	$1626	$277
Speeding in school zone	$1626	$271
Speeding 11 - 15 MPH over limit	$1632	$278
Driving with expired registration	$1638	$273
Failure to yield	$1638	$279
Following too closely	$1638	$273
Illegal turn	$1638	$279
Failure to stop at a red light	$1644	$274
Improper passing	$1644	$280
Speeding 16 - 20 MPH over limit	$1644	$274
Wrong way/wrong lane	$1644	$280
Speeding 21 - 25 MPH over limit	$1661	$277
Passing school bus	$1692	$288
In 65 MPH zone	$1698	$283
Open container	$1722	$293
At-fault accident - less than $1000	$1728	$288
Operating a vehicle without permission	$1751	$298
At-fault accident - $1000-$2000	$1884	$314
At-fault accident - greater than $2000	$1896	$322
Refusal to submit to a chemical test	$2220	$370
Reckless driving	$2286	$389
Racing	$2340	$390
Driving with a suspended license	$2346	$399
DUI	$2376	$396
Leaving scene of an accident/hit and run	$2436	$414

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Sparta after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Sparta.

The cheapest car insurance premiums in Sparta are offered by Mercury at $384 for a six-month policy. However, it can be as expensive as $1728 with companies like Progressive.

Sparta car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$384	$66
Auto-Owners Insurance Co	$498	$83
Country Financial	$540	$91
Esurance P&C Ins Co	$744	$124
Auto-Owners	$1188	$200
Farm Bureau	$1290	$215
USAA	$1398	$235
Georgia Farm Bureau	$1446	$241
State Farm	$1566	$264
Allstate	$1655	$279
Progressive	$1728	$291

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Sparta are offered by AutoOwners Insurance Co at $258. However, it can be as expensive as $1961 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Sparta after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$258	$43
Country Financial	$282	$47
Mercury	$402	$69
Farm Bureau	$732	$122
Auto-Owners	$894	$152
USAA	$972	$162
State Farm	$1272	$216
Allstate	$1728	$288
Progressive	$1961	$333

Car Insurance Price Trends in Sparta, Georgia

Car insurance rates in Sparta have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Sparta rose by $227 in December compared to $223 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Sparta rose to $73 in December, compared to $69 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Sparta?

The car insurance in Sparta is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Sparta?

The cheapest car insurance in Sparta is $65 per month for full coverage.

How much is car insurance in Sparta for teenagers?

Car insurance for teenagers costs $318 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Sparta?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $174 per month to insure your car in Sparta.

Is car insurance expensive in Sparta?

Car insurance can be expensive in Sparta if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Sparta can be affordable.

Cheapest Car Insurance Quotes in Sparta

Why you can trust Way?

How Much Is Car Insurance in Sparta

Avg. Car Insurance in Sparta

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Sparta

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Sparta Car Insurance Rates by Company

Cheap Car Insurance Companies in Sparta, GA

Way's key takeaways about car insurance in Sparta

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sparta

Cheapest Liability Coverage in Sparta, GA

Cheapest Full Coverage Car Insurance in Sparta

Cheapest Full Coverage Car Insurance Quotes in Sparta, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sparta by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Sparta, GA increasing?

Car Insurance Premiums by Age in Sparta

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sparta,GA

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Sparta.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Sparta

Cheapest Car Insurance Companies after an At-Fault Accident in Sparta

Sparta Car Insurance Rates by Violation

Sparta auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sparta after a DUI

Sparta car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sparta after Speeding ticket

Car Insurance Price Trends in Sparta, Georgia

Average Car Insurance Cost in Sparta by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sparta, GA

Car Insurance Rates by State in the USA (2025 Update)

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