Sparta Auto Insurance Review (2024)

Sparta auto insurance specializes in commercial insurance that includes worker's compensation and professional and vehicle liability for the hospitality and manufacturing industries.

UPDATED: Nov 27, 2023Fact Checked

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

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: Nov 27, 2023

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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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: Nov 27, 2023

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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.

UPDATED: Nov 27, 2023Fact Checked
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Sparta Insurance Company

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A-

Complaint level:

Low

Final Verdict: Review of Sparta Insurance Company

Sparta Insurance Company is a privately owned insurance underwriter established in the spring of 2007 to fill very individualized insurance needs.

They are a property and casualty company specializing in unbundled insurance products and services for specialty needs. The types of products they offer cover everything from commercial liability to captive reinsurance to transportation and logistics.

Sparta Insurance Company and its subsidiaries are active in all 50 states and the District of Columbia, offering a wide range of commercial insurance services.

Areas of specific interest include worker’s compensation, commercial vehicle liability, professional liability, hospitality industry coverage, manufacturing liability, and housing and real estate.

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[su_box title="Things to Remember..." style="default”]
  • Sparta Insurance Company is a privately owned insurance underwriter
  • Sparta Insurance Company and its subsidiaries are active in all 50 states and the District of Columbia
  • Some national insurance providers prefer to use local agents as a means of selling and servicing policies
[/su_box] Sparta Insurance Company is a privately owned insurance underwriter established in the spring of 2007 to fill very individualized insurance needs. They are a property and casualty company specializing in unbundled insurance products and services for specialty needs. The types of products they offer cover everything from commercial liability to captive reinsurance to transportation and logistics. Sparta Insurance Company and its subsidiaries are active in all 50 states and the District of Columbia, offering a wide range of commercial insurance services. Areas of specific interest include worker's compensation, commercial vehicle liability, professional liability, hospitality industry coverage, manufacturing liability, and housing and real estate.

What You Should Know About Sparta

Some national insurance providers prefer to use local agents as a means of selling and servicing policies. Others prefer a direct-to-customer approach utilizing corporate employees for the same tasks.

Sparta Insurance Company prefers the direct-to-customer approach. All of their agent functions are handled through corporate employees who are full-time staff.

Independent agents work well for standard types of insurance, like your everyday home and auto policy, it’s a bit more difficult when dealing with specialty insurance.

By its very nature, specialty insurance requires a more comprehensive look at coverage needs, liability limits, and circumstances that may affect a policy.

Companies like Sparta are more comfortable dealing with the special needs on their own rather than entrusting them to local, independent agents.

Sparta Insurance Company Locations

Even though Sparta Insurance Company is active all over the country, the only address we could find is for their Hartford, Connecticut headquarters.

A quick Internet search of the Sparta name does reveal a half dozen or more locations in various states.

It's not possible to tell from these listings whether or not these offices are in any way related to the Sparta Insurance Company.

At least one of the offices we found turned out to be a local agency that offered a variety of insurance products at the consumer level. It's quite likely that the rest of these offices operate on the same basis.

Sparta Insurance Company Careers

Sparta provides a careers link on its website where interested candidates can learn more about job opportunities.

At this time there are no openings available for new hires, but job seekers are encouraged to submit a resume for future openings.

When there are no new openings, they will be listed along with complete descriptions, requirements, and resume submission information.

Benefits received by Sparta employees include what one would normally think of for an insurance company.

Employees receive the following perks:

  • Health
  • Prescription
  • Dental and vision coverage
  • Retirement plan
  • Paid vacations and holidays
  • Disability insurance
  • Educational assistance

Sparta Insurance Company Financials

Sparta's A.M. Best rating of "A-" is sufficient evidence that the company is on firm financial footing. One would expect as much from a privately-owned insurance company funded primarily through private equity dollars.

When a private equity company invests in a project like Sparta they generally commit enough funding to last the lifetime of their investment, which is normally three to five years.

That being said, the most recent reporting of Sparta's financial data shows they seem to be doing well.

As of last year, they listed working capital of $4.5 million, a policy surplus of $249.5 million, and total assets of more than $280 million. A.M. Best is impressed with Sparta's capitalization, liquidity, and ability to meet short and long-term obligations.

At this point, there's no reason to believe the company will not continue on into the foreseeable future.

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Frequently Asked Questions

What is Sparta Auto Insurance?

Sparta Auto Insurance is a car insurance provider that offers coverage for individuals and their vehicles. They provide various types of auto insurance policies tailored to meet the specific needs of their customers.

What types of auto insurance does Sparta offer?

Sparta Auto Insurance offers a range of auto insurance coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection, and more. They can help you customize your policy to suit your specific requirements.

How can I get a quote for Sparta Auto Insurance?

To get a quote for Sparta Auto Insurance, you can visit their official website or contact their customer service. They typically require information such as your personal details, vehicle information, driving history, and coverage preferences to provide an accurate quote.

What factors determine my auto insurance premium?

Several factors can influence your auto insurance premium, including your driving record, age, location, type of vehicle, coverage limits, and deductible. Additionally, factors such as your credit history and claims history may also be considered.

Can I manage my Sparta Auto Insurance policy online?

Yes, Sparta Auto Insurance provides online tools and resources that allow policyholders to manage their policies conveniently. This may include making payments, viewing policy documents, updating personal information, and accessing customer support.

What should I do in the event of an accident?

If you are involved in an accident, it is important to prioritize safety and promptly report the incident to Sparta Auto Insurance. They will guide you through the claims process and provide assistance for necessary repairs or medical expenses, depending on your coverage.

Does Sparta Auto Insurance offer discounts?

Yes, Sparta Auto Insurance offers various discounts to help policyholders save on their premiums. These discounts may be based on factors such as safe driving records, multiple policies, vehicle safety features, and more. It is recommended to inquire about available discounts during the quote process.

Can I add additional drivers to my Sparta Auto Insurance policy?

Yes, you can usually add additional drivers to your Sparta Auto Insurance policy. However, the specifics may vary, so it’s best to consult with a representative from Sparta Auto Insurance to understand the process and any potential implications.

How can I contact Sparta Auto Insurance for customer support?

To reach customer support for Sparta Auto Insurance, you can refer to their official website for contact information. They may provide options such as phone, email, or online chat to assist you with your inquiries, policy changes, or claims.

Can I cancel my Sparta Auto Insurance policy?

Yes, you can typically cancel your Sparta Auto Insurance policy. However, the process and any associated fees or penalties may vary depending on the terms and conditions of your policy. It is advisable to contact their customer service directly to understand the cancellation process.

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

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.

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