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Cheapest car insurance in Sparks, Nevada (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Sparks, Nevada.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Sparks

With plenty of
car insurance
companies to choose from, finding one that meets your needs and budget can be tricky. That’s why it’s important to
shop around
and compare
car insurance quotes
before committing to a policy so you can guarantee you’re not overpaying.
With Jerry, finding cheap auto insurance is easy. Jerry is an app that helps Sparks drivers find car insurance that works for them. It’s quick, easy, and completely hassle-free! customers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$195
Wayne, 46
Zip: 89431
Toyota Venza LE
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$100
Maggie, 32
Zip: 89436
Toyota RAV4 LE
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$139
Sallie, 42
Zip: 89441
Chevrolet Cruze LT
• State Minimum Liability
• Comp / Collision
Safeco
$111
Lottie, 53
Zip: 89436
Mazda 3 Premium
• 100,000/300,000 Liability
• Comp / Collision
Mercury
$140
Troy, 33
Zip: 89434
Nissan Murano S
• State Minimum Liability
coverageLast Updated Apr 14, 2024

Best car insurance companies in Sparks

If you’re a Sparks driver looking for the best auto insurance companies, you’re in the right place. Jerry conducted one of the largest national insurance shopping surveys to find the best providers for Sparks drivers—and we’re ready to share the results!
The study found no single “best” or “cheapest” provider for every Sparks driver, since rates vary so widely from one driver to the next.
State Farm
,
Allstate
, and
Progressive
dominate the insurance market in Sparks—even though our survey respondents gave Esurance, GEICO, Mercury, and The General 5/5 rankings across the board.
Take a look at how Sparks drivers ranked major insurance companies below.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Allstate
4.7
3.7
N/A
4.3
Progressive
4.3
3.9
3.6
4.2
Geico
4
3.7
N/A
4
AAA
4
3.7
N/A
4.7
State Farm
3.2
2.7
N/A
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Sparks

All drivers in Sparks must meet the state’s minimum insurance requirements before hitting the Liability insurance is necessary, but you can also purchase
full-coverage auto insurance
for better protection.

Cheap minimum liability insurance quotes in Sparks

Nevada’s minimum car insurance requirements
follow a 25/50/20 pattern. Here’s a breakdown of what every Sparks driver must have: 
card cover
Lois (29 years old)
coverageCoverage
State Minimum
locationSparks, NV
(Zip Code: 89431)
$73
per month
card cover
Luella (40 years old)
coverageCoverage
State Minimum
locationSparks, NV
(Zip Code: 89434)
$121
per month
card cover
Sallie (42 years old)
coverageCoverage
State Minimum
locationSparks, NV
(Zip Code: 89441)
carChevrolet Cruze LT
$139
per month
card cover
Terry (44 years old)
coverageCoverage
State Minimum
locationSparks, NV
(Zip Code: 89436)
$62
per month
card cover
Alan (45 years old)
coverageCoverage
State Minimum
locationSparks, NV
(Zip Code: 89431)
$120
per month

Do you need more than minimum coverage in Sparks?

In Sparks, you must have liability car insurance that complies with the 25/50/20 state-mandated limits—but that doesn’t mean it’s all you should purchase. 
If you’re involved in an at-fault accident, bodily injury and property damage costs can quickly exceed the 25/50/20 limits—leaving you on the hook for the remainder if the other party decides to sue. 
Remember,
Nevada's car insurance laws
allow Sparks drivers the right to claim both economic (lost wages, property loss, etc.) and non-economic damages (pain and suffering, mental suffering, etc.) associated with a car accident. 
Paying these expenses out of pocket can be steep, so it’s almost always worth it to pay a little more for full-coverage insurance in Sparks.
The bottom line: Drivers in Sparks should consider purchasing a full-coverage car insurance policy with liability limits that exceed the state minimums—such as 50/100/50 or even 100/300/100.

Cheap full coverage car insurance quotes in Sparks

Purchasing a full-coverage insurance policy is one of the easiest ways to safeguard yourself against costs associated with an accident—and it’s usually not that much more expensive than a liability-only policy in Sparks!
If you’re considering buying full coverage, you’ll get state-mandated liability insurance plus
comprehensive
and
collision coverage
.
  • Comprehensive insurance: Covers you against non-collision related incidents, such as theft, vandalism, fire, flood, wind, or falling objects
  • Collision insurance: Pays for damages to your vehicle resulting from a collision with another vehicle or stationary object
And if you’re financing or
leasing a car
, your lender will require this.
Remember that both collision and comprehensive coverage are subject to deductibles. If you’re involved in a crash and need this coverage, you’ll have to pay your deductible before your insurance provider pays out. 
While you can expect to pay higher insurance rates than for a minimum coverage policy, Jerry can help you find the best premium in Sparks for the coverage you want.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$195
Wayne, 46
Zip: 89431
Toyota Venza LE
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$100
Maggie, 32
Zip: 89436
Toyota RAV4 LE
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$111
Lottie, 53
Zip: 89436
Mazda 3 Premium
• State Minimum Liability
• Comp / Collision
Nationwide
$139
Sallie, 42
Zip: 89441
Chevrolet Cruze LT
• State Minimum Liability
• Comp / Collision
Mercury
$102
Edith, 34
Zip: 89434
Dodge Journey SXT
coverageLast Updated Apr 18, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Sparks

After analyzing scores of insurance providers in Sparks, we have discovered that the average price for minimum liability coverage amounts to be $87 per month or $1,046 per year. Additionally, residents of Sparks can expect to pay an average of $118 per month or $1,418 per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Sparks by zip code

The cost of car insurance in Sparks can greatly differ depending on your specific zip code. Each individual zip code within Sparks has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.
In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
89431
$67
$153
89434
$102
$207
89436
$111
$129

Car insurance quotes in Sparks by rating factors 

Insurance companies in Sparks use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in Sparks?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Nevada currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Sparks:

Cheap car insurance quotes in Sparks after driving violations

Driver violation points have a significant impact on car insurance rates
—and they can also affect which insurance company will insure you. Some insurance providers are willing to insure
high-risk drivers
in Sparks. This often comes at a premium. Other companies will be unwilling to insure high-risk drivers, especially with big violations like a DUI or
reckless driving
Here’s how to find cheap car insurance in Sparks with driving violations on your record.

Cheapest car insurance in Sparks after speeding ticket

If you’re a Sparks driver who has received a
speeding ticket
, it’s not the end of the line for car insurance. Drivers are penalized based on the degree of speeding and prior offenses—though penalties for speeding in Nevada are stricter than in other states.
Here’s what we mean:
The maximum fine for speeding in Nevada is $1,000, but the fines cannot be more than $20 for each mile an hour you were going beyond the posted speed limit. 
  • 5 mph over the speed limit: $100 fine + 1 point added
  • 10 mph over the speed limit: $200 fine + 2 points added
  • 15 mph over the speed limit: $300 fine + 2 points added
  • 20 mph over the speed limit: $400 fine + 3 points added
  • 21+ mph over the speed limit: $420+ fine + 4 points added
That said, the amount of your fine will depend on several factors, including:
  • Any previous speeding tickets
  • Where you were speeding (work or school zone)
  • How fast you were going
Speeding is considered a misdemeanor in Nevada and can land you in jail for up to six months if the offense was severe enough. On top of fines and possible jail time, it also comes with demerit points on your driving record.
The result isn’t just a poor record—it’s also a big increase in your car insurance rates and a possible license suspension. 
Regardless of the violation, Jerry helps Sparks drivers find affordable rates with great insurance companies.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Dairyland
$243
Claudia, 20
Zip: 89431
Honda Accord LX
• State Minimum Liability
Speeding 16-20
Progressive
$479
Howard, 23
Zip: 89431
KIA Optima EX
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 14, 2024

Cheapest car insurance in Sparks after DUI

In Sparks, you’re subject to
Nevada DUI laws
, which state that drivers over the age of 21 cannot have a blood-alcohol level of 0.08% or higher—and lower thresholds are in place for younger drivers. 
  • If you’re caught with a BAC higher than the legal limit, the conviction will remain on your driving record for seven years.
  • Penalties include a fine, potential jail time, license revocation, IID requirements, SR-22 requirements, and community service.
  • On average, drivers with a DUI pay 56% more for car insurance than drivers without one.
Luckily, insurance providers offer many discounts to help reduce your costs. Jerry has helped Sparks drivers with major convictions land affordable insurance.
card cover
Logan (24 years old)
coverageCoverage
State Minimum
locationSparks, NV
(Zip Code: 89441)
carToyota Scion TC
$233
per month
card cover
Marvin (23 years old)
coverageCoverage
State Minimum
locationSparks, NV
(Zip Code: 89431)
$491
per month

Cheapest car insurance in Sparks after an at-fault accident

A clean driving record is one of the best things a Sparks driver can do for their insurance rates. This reassures insurers that you’re a safe driver and aren’t likely to file a claim. 
If you have a fender bender or a major at-fault accident on your record, you can expect your rates to increase thanks to a high-risk driver label. 
But it’s not all bad news—work to eliminate the accidents on your record (and
keep a clean driving record
in the meantime) while Jerry helps you find an affordable policy.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Safeco
$129
Tyler, 65
Zip: 89431
Ford Edge Titanium
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Progressive
$73
Francis, 29
Zip: 89431
Toyota Highlander Limited
• State Minimum Liability
Not At Fault
Travelers
$100
Nora, 32
Zip: 89436
Toyota RAV4 LE
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$139
Mina, 42
Zip: 89441
Chevrolet Cruze LT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 16, 2024

Cheapest car insurance in Sparks after other driving violations

As a Sparks driver, having a DUI or speeding ticket on your driving record can do a doozy to your insurance costs—but other violations can, too. Driving without a license or insurance, failing to stop at a stop sign, or improper lane changes may also affect rates. 
If you’ve landed yourself one of these violations, Jerry can still help you find affordable rates in Sparks.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Cell Phone
Progressive
$95
Walter, 33
Zip: 89431
Ford F150
• State Minimum Liability
Careless Driving
Safeco
$138
Catherine, 49
Zip: 89431
Tesla Model S
• 100,000/300,000 Liability
• Comp / Collision
Driving on Sus. License
Progressive
$99
Chase, 30
Zip: 89436
Ford Edge Limited
• State Minimum Liability
coverageLast Updated Apr 12, 2024

Cheap car insurance quotes in Sparks by age

In Sparks, drivers under 25 pay some of the highest insurance premiums of any age group due to a lack of driving experience and a higher risk of accident claims. Once you hit 25, more experience means rates start to decline and stay at their lowest until reaching your mid-70s, when they increase again.
For teens and seniors in Sparks, Nationwide and Allstate offer affordable options—but other providers may have competitive rates.

Cheapest car insurance in Sparks for young drivers

Teen drivers between the ages of 16 and 19 have the highest car insurance rates of any age bracket in Sparks. That’s because they’re at the highest risk of being involved in a car accident. But this also applies to drivers under 25 or new drivers who don’t have a long history of safe driving.
If you’re a new driver in Sparks without a lot of on-road experience, consider investing in a full-coverage policy that offers more protection on the road and greater financial coverage if you’re involved in a crash. 
card cover
Darrell (23 years old)
coverageCoverage
State Minimum
locationSparks, NV
(Zip Code: 89441)
$251
per month
card cover
Rebecca (24 years old)
coverageCoverage
State Minimum
locationSparks, NV
(Zip Code: 89434)
$192
per month
card cover
Jesse (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSparks, NV
(Zip Code: 89431)
$289
per month
card cover
Winnie (20 years old)
coverageCoverage
State Minimum
locationSparks, NV
(Zip Code: 89436)
carNissan 240SX
$155
per month

Cheapest car insurance in Sparks for senior drivers

On the other end of the spectrum, we have Sparks drivers with an abundance of experience and high car insurance rates. This is because drivers in their mid-70s and onwards are at a higher risk of mortality, hospitalization, and high medical expenses from car accidents. They also have slower reflexes that increase the risk of being involved in an accident. 
GEICO
seems to lead the race for the
best car insurance for seniors
in Sparks, but using a comparison app to check out other quotes is still a good idea.
card cover
Phillip (70 years old)
coverageCoverage
State Minimum
locationSparks, NV
(Zip Code: 89431)
$65
per month
card cover
Craig (65 years old)
coverageCoverage
State Minimum
locationSparks, NV
(Zip Code: 89431)
$129
per month
card cover
Etta (82 years old)
coverageCoverage
State Minimum
locationSparks, NV
(Zip Code: 89431)
carBuick Lacrosse CXL
$85
per month

Cheap car insurance quotes in Sparks based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
card cover
Janie (46 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSparks, NV
(Zip Code: 89431)
$195
per month
card cover
Estella (32 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSparks, NV
(Zip Code: 89436)
$100
per month
card cover
Darrell (56 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationSparks, NV
(Zip Code: 89431)
carNissan Cube
$123
per month
card cover
Susan (65 years old)
Currently Insured
coverageCoverage
State Minimum
locationSparks, NV
(Zip Code: 89431)
$129
per month
card cover
Claudia (33 years old)
Currently Insured
coverageCoverage
State Minimum
locationSparks, NV
(Zip Code: 89431)
$127
per month

Cheap car insurance quotes in Sparks for drivers with poor credit

While having
a low credit score
doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.
As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Safeco
$121
Cole, 40
Zip: 89434
Jeep Wrangler Sport
• State Minimum Liability
• Comp / Collision
660 - 750
Progressive
$195
Augusta, 46
Zip: 89431
Toyota Venza LE
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Safeco
$129
Sue, 65
Zip: 89431
Ford Edge Titanium
• State Minimum Liability
• Comp / Collision
550 - 659
Bristol West
$230
Myrtle, 46
Zip: 89436
Audi Q5 Premium
• State Minimum Liability
• Comp / Collision
< 550
Bristol West
$228
Vincent, 45
Zip: 89431
Nissan Rogue Sport S
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 17, 2024

How to lower car insurance costs in Sparks

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts: Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims for a specific period.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

People living in Sparks pay on average $87 per month – or $1,046 per year – on state-minimum liability coverage. Full coverage in Sparks costs on average $118 per month or $1,418 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
Based on thousands of Sparks drivers Jerry has worked with, car insurance in Sparks costs an average of $74 per month for state-minimum coverage and $166 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. 
Nationwide
, Farmers, and The General receive good ratings from Sparks drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
The state-minimum car insurance in Sparks, Nevada is as follows:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
These coverages are commonly referred to as 25/50/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
badge icon
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.