in Sparta costs about $148 per month for minimum coverage liability insurance and about $148 per month for full coverage insurance. Sparta drivers pay 12% less than the

Wisconsin

average.

Although it would be convenient, Wisconsin does not have a single

car insurance

provider that consistently offers the cheapest rates for everyone. Instead, savvy shoppers know that one of the best ways to find cheap auto insurance in Sparta, Wisconsin is to compare quotes from multiple providers.

Quote Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
September 25, 2023	National General	$109	Dustin, 61 Zip: 54656	Dodge Dart SXT Sport	• 100,000/300,000 Liability • Comp / Collision
September 17, 2023	Progressive	$115	Jay, 49 Zip: 54656	Jeep Cherokee Limited	• State Minimum Liability • Comp / Collision

Last Updated Sep 25, 2023

Compare car insurance quotes now

How'd we get this data?

Real Insurance Agents

Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).

Real Insurance Quotes

Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.

Real Insurance Companies

We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best Car Insurance Companies in Sparta

Jerry

wanted to know what car insurance companies offered the cheapest rates in Sparta, so we conducted the largest insurance shopping survey nationwide, analyzing information from more than 15,000 policyholders over 18 months.

Here’s what we learned: No car insurance company offers the cheapest rates for everyone. This is mainly because car insurance rates are based on various factors particular to individuals.

The easiest way to find the best

car insurance rates

is to

shop around

and compare quotes from multiple providers. But don’t just look at rates—claims handling and customer service are essential, too.

If you need help, check out the table below to see how Sparta drivers rated some popular insurers on a scale of 0 to 5.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Safeco	4.8	4.8	N/A	4.7
Progressive	4.3	4	4.8	4.3
Bristol West	4.2	4.2	N/A	3.7
Geico	3.8	3.3	3.3	3.5
State Farm	3.7	3.7	N/A	3.3

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 Sparta

Wisconsin driving laws

mandate that drivers must carry minimum

liability coverage

on their car insurance policy. It’s often a good idea for many drivers to opt for

full coverage

for greater protection for their vehicle and wallet.

Cheap minimum liability insurance quotes in Sparta

At a minimum, Sparta drivers must have the following liability coverage limits:

$25,000 of

bodily injury liability

per person

$50,000 of bodily injury liability per accident

$10,000 in

property damage liability

per accident

You’ll commonly hear the Wisconsin insurance limits called the 25/50/10 rule.

On top of liability coverage, drivers must carry a minimum of $25,000 per person and $50,000 per accident of

uninsured motorist coverage

for bodily injury.

Here’s a look at rates Sparta drivers have found for minimum liability coverage with Jerry’s help.

Progressive

Jay (49 years old)

Coverage

State Minimum

Sparta, WI (Zip Code: 54656)

Jeep Cherokee Limited

$115

per month

Do you need more than minimum coverage in Sparta?

In most cases, Sparta drivers are often better off choosing higher car insurance limits than Wisconsin’s legally required minimums.

If you’re involved in a serious car accident, expenses can quickly exceed these limits. After an at-fault accident, your insurance provider will cover costs up to your policy limits, but you’ll be responsible for covering any costs that exceed your limits.

Our recommendation: For better financial protection, insurance experts commonly recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.

Cheap full coverage car insurance quotes in Sparta

If you want protection for your vehicle, you’ll want to add full coverage to your policy.

Full coverage generally refers to both

comprehensive

and

collision coverage

Collision insurance: Covers vehicle repairs or replacement costs after an accident.

Comprehensive insurance: Covers vehicle repairs or replacement costs after damages caused by other incidents, including vandalism, theft, severe weather, or hitting an animal.

If you have a car loan: It’s common for lenders to require that you keep full coverage on your car insurance policy until your loan is paid off.

Sparta drivers have found cheap rates for full coverage car insurance.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$115	Jay, 49 Zip: 54656	Jeep Cherokee Limited
• 100,000/300,000 Liability • Comp / Collision	National General	$109	Dustin, 61 Zip: 54656	Dodge Dart SXT Sport

Last Updated Sep 25, 2023

The easiest way to find the right coverage at the right price in Sparta is to compare insurance quotes from multiple providers. Jerry,

the nation's leading insurance agency

, streamlines this process using an online app to deliver quick quote comparisons and 24/7 support from a network of over 100 licensed insurance agents.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

Lower my car insurance too!

Average cost of car insurance in Sparta

The data from Jerry’s study shows that in Sparta, the average cost for minimum liability coverage is $1,770 per year or $148 per month. For full coverage, the average cost is $1,770 per year or $148 per month.

Of course, averages can be helpful when trying to predict insurance costs, but your actual car insurance rate will depend on a variety of factors, including:

The type of car you drive

Where you keep your car

Your driving record

Your age, gender, and other demographics

Your coverage needs and insurance history

Based on this, your rate could be hundreds of dollars above or below the Wisconsin average.

Compare car insurance costs in other states

Michigan car insurance

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Ohio car insurance

Missouri car insurance

Kentucky car insurance

Car insurance quotes in Sparta by rating factors

Car insurance companies in Wisconsin will review a wide range of factors making up your driver profile when

calculating your car insurance rate

, such as:

What kind of car you drive: Full coverage is usually more expensive for luxury, sports, or high-value vehicles.

What you use your vehicle for: A car insurance policy for a vehicle you drive to work daily will likely cost more than one for a car that’s only driven occasionally.

Your driving record: Car insurance is typically more expensive for drivers with a history of accidents and/or violations.

Where you keep your car: Insurers will evaluate your area’s population density, accident rates, weather trends, and crime rates. If you can keep your vehicle in a secure garage, you can often see a lower rate.

Your credit score: Because drivers with lower credit scores are more likely to file claims, policyholders with the highest credit scores will usually qualify for lower rates.

How Do Different Factors Impact Your Car Insurance Costs in Sparta?

Allowed (with applicable limitations): Driving experience, age, gender, occupation, credit history, education, marital status, employment status, residential status.

Prohibited (or effectively prohibited):

Learn more abut the car insurance rating factors in Sparta:

Cheap car insurance quotes in Sparta after driving violations

Your

Wisconsin driving record

will contain some of the most important information when determining your Sparta car insurance costs. Following the rules of the road will make it much easier to find a cheap premium.

Some common traffic violations that can affect your car insurance rates include:

Speeding

DUIs

At fault accidents

Reckless driving

Cheapest car insurance in Sparta after an at-fault accident

After an accident, your car insurance premium could increase significantly—especially if you were found at fault. Multiple at-fault accidents and insurance claims peg you as a risky driver, and most insurers don’t want to insure high-risk drivers.

Shopping for new rates could help you find a cheaper premium in Sparta.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With No Injury	Progressive	$115	Hulda, 49 Zip: 54656	Jeep Cherokee Limited	• State Minimum Liability • Comp / Collision
At Fault With No Injury	National General	$109	Ida, 61 Zip: 54656	Dodge Dart SXT Sport	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 26, 2023

Cheapest car insurance in Sparta after other driving violations

Speeding tickets and DUIs are serious, but they aren’t the only violations that can increase your car insurance premiums. Reckless driving, driving without insurance, or driving without a valid license can all lead to increases in your Sparta insurance rates, too.

From reckless driving to improper passing, these are rates other Sparta drivers found after various violations.

Cheap car insurance quotes in Sparta by age

Your age influences your Wisconsin car insurance rate—and young drivers usually see the most expensive premiums.

Following their teen years, Wisconsin drivers can generally expect their car insurance rates to decrease gradually over time. Then, costs will slowly increase around age 75—but averages still usually remain cheaper than those seen with teen drivers.

Cheapest car insurance in Sparta for young drivers

Teen drivers between 16 and 19 can typically expect to pay the most for car insurance.

This is mainly because

young and new drivers

have a significantly higher risk of accidents.

That risk makes it a good idea to consider full coverage—especially if the vehicle you or your teen uses is newer or higher in value.

To save even more: Look into the

good student

defensive driving course

, and

good driver discounts

offered by providers when shopping around.

Progressive

Alvin (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Sparta, WI (Zip Code: 54656)

Chevrolet Cruze LT

$212

per month

Cheap car insurance quotes in Sparta based on insurance history

Your auto insurance history will also affect your Sparta car insurance costs.

Car insurance companies like to see policyholders maintain consistent coverage over a given period, and those who do will often secure lower rates. On the other hand, having past

car insurance coverage lapses

could leave you paying more for a policy.

If you’re shopping for car insurance for the first time, you can start by selecting a policy that offers the coverage you need while remaining within your budget.

Because making on-time payments is crucial for maintaining your coverage, Jerry can send customers payment reminders and late payment warnings.

Currently insured or not, here are examples of rates other Sparta drivers recently found with Jerry.

Progressive

Marion (49 years old)

Currently Insured

Coverage

State Minimum

Sparta, WI (Zip Code: 54656)

Jeep Cherokee Limited

$115

per month

National General

Mable (61 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Sparta, WI (Zip Code: 54656)

Dodge Dart SXT Sport

$109

per month

National General

Harriet (61 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Sparta, WI (Zip Code: 54656)

Dodge Dart SXT Sport

$109

per month

Progressive

Myra (49 years old)

Currently Insured

Coverage

State Minimum

Sparta, WI (Zip Code: 54656)

Jeep Cherokee Limited

$115

per month

National General

Callie (61 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Sparta, WI (Zip Code: 54656)

Dodge Dart SXT Sport

$109

per month

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Definitely a lot cheaper than what progressive would have been if I chose to renew with them.

Jessy

They have help me w all my needs. Patient and understanding

Hannah

What needs to be said AAA the standard in the industry

Adam

Great rates offered and quality customer service

Angela

Cheap car insurance quotes in Sparta for drivers with poor credit

Unfortunately, drivers with poor credit are statistically more likely to file insurance claims, which can leave them with higher rates.

Taking the steps to build

good credit

can help you save on car insurance in the long run. In the meantime, shopping around for quotes could help you find a more affordable rate based on your current credit score.

Take a look at what Sparta drivers with varying credit scores are paying for their car insurance.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
550 - 659	Progressive	$70	Mathilda, 54 Zip: 54656	Chevrolet Equinox LS	• State Minimum Liability • Comp / Collision
< 550	Progressive	$115	Richard, 49 Zip: 54656	Jeep Cherokee Limited	• State Minimum Liability • Comp / Collision

Last Updated Sep 20, 2023

Cheap car insurance quotes in Sparta for popular cars

The kind of car you drive will also affect your insurance costs. Auto insurance companies will look at factors like your vehicle’s age, theft risk, safety, and possible repair and replacement costs when calculating the cost of your premium.

Popular vehicle models in Wisconsin include:

MORE:

How to get car insurance before buying a car

How to lower car insurance costs in Sparta

If you’re looking for cheaper car insurance in Sparta, take note of these tips from Jerry’s team of licensed insurance agents:

Shop around

and compare multiple car insurance quotes.

Bundle your car insurance with homeowners insurance or renters insurance.

Take advantage of your provider’s

car insurance discounts

—like low mileage discounts,

responsible payer discounts

, accident-free discounts, or safety feature discounts.

Raise your deductibles on your comprehensive and collision coverage.

Strengthen your credit history. A better credit score could lower your car insurance rates.

Consider dropping collision and comprehensive coverage if your vehicle is older or has a low value.

Take an approved defensive driving course.

MORE:

How to choose a car insurance deductible

Why is car insurance in Sparta so expensive?

Not all factors that affect Sparta car insurance costs are within your control. The following factors could also make your premium more expensive:

High-population density cities

Area crime rates

Uninsured drivers

Healthcare costs

Rising vehicle and repair costs

Severe weather risks

FAQ

How much is car insurance in Sparta?

People living in Sparta pay on average $148 per month – or $1,770 per year – on state-minimum liability coverage. Full coverage in Sparta costs on average $148 per month of $1,770 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.

What is the minimum car insurance in Sparta, Wisconsin?

The state-minimum car insurance in Sparta, Wisconsin is as follows:

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These coverages are commonly referred to as 50/100/25 coverage.

What is the cheapest car insurance in Sparta?

Based on thousands of Sparta drivers Jerry has worked with, car insurance in Sparta costs an average of $148 per month for state-minimum coverage and $148 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!

What is the best car insurance in Sparta?

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. Amica, Farmers, and The General receive good ratings from Sparta 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.

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

R.E. Fulton

Expert Insurance Writer and Editor

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.

Lina Zhang

Licensed Insurance Agent

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.

Josh Damico

Head Of Insurance Operations

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.