Nampa, ID Car Insurance

Auto insurance costs an average of $92 per month in Nampa. If you're paying too much, compare rates and save.

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How much is auto insurance in Nampa?


The average cost of car insurance in Nampa, Idaho, is $1,111 per year. That's less expensive than the average in Idaho ($1,164) and less expensive than the nationwide average of $1,548. Our guide to car insurance in Nampa — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history and marital status. Read on for more information.


CAR INSURANCE RATES IN NAMPA
Nampa Average (yearly)Idaho AverageUnited States Average
$1,111$1,164$1,548

Table of contents:

Nampa car insurance rates by company


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Nampa, State Farm provides the most affordable rates for the typical insurance customer. We've gathered the best cheap car insurance companies in Nampa below. Remember that this list should only be seen as a starting point: it's important to compare quotes specific to your unique driving profile.


NAMPA CAR INSURANCE PREMIUMS BY COMPANY
CompanyAverage Annual Rate
State Farm$804
Liberty Mutual$906
Progressive$1,027
Farm Bureau$1,114
Farmers$1,188

Consult our expert guide to finding the best cheap car insurance.



Nampa auto insurance premiums by age

The age bracket that pays the least for auto insurance in Nampa consists of drivers in their 50s, who pay an average of $957. Those in their 60s don't pay much more ($978).

Teenage drivers pay Nampa's most expensive insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Nampa is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Nampa is $2,860. That's the biggest gap in premiums between any pair of age brackets.


CAR INSURANCE RATES BY AGE TIER IN NAMPA
AgeAverage Yearly Rate
Teenagers$4,326
20s$1,466
30s$1,096
40s$1,036
50s$957
60s$978
70s$1,163

Learn more about the impact of age on auto insurance rates.



Nampa auto insurance costs by marital status and gender


In some cases, a driver's marital status and gender may affect their car insurance costs. In Nampa, married drivers pay $65 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims.

Gender is yet another factor that can affect auto insurance premiums. In Nampa, males pay $8 more each year for car insurance than do female drivers.


NAMPA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,103
Male$1,111
Single$1,111
Married$1,046
Divorced$1,111
Widowed$1,104

Learn more about how gender and marital status have on auto insurance rates.



Nampa car insurance premiums by incident history


Regardless of where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents are likely to cause your auto insurance rates to spike.

Nampa drivers found guilty of reckless driving pay a heavy toll when it comes to auto insurance, facing a rate increase of $540 per year versus the city average. A ticket for speeding leads to a $181 rate hike while a DWI or DUI violation costs $478per year in extra insurance expenditures.


NAMPA CAR INSURANCE RATES AFTER A COLLISION OR CITATION
CitationAverage Yearly Rate
DUI/DWI$1,589
Reckless Driving$1,651
At-fault Accident (damages less than $1,000)$1,467
At-fault Accident (damages greater than $2,000)$1,555
Speeding Ticket (16-20 mph over speed limit)$1,292

Learn more about how citations can raise your auto insurance rates.



Nampa car insurance rates by credit tier


It's no secret that credit score is closely correlated with auto insurance rates. In Nampa, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 54% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a good way to lower your auto insurance costs. In Nampa, improving your credit to "Fair" could help you earn $389 in savings on insurance premiums each year.


NAMPA AUTO INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Yearly Rate
Very Poor$2,053
Fair$1,664
Good$1,383
Very Good$1,162
Exceptional$951

Learn more about the relationship between credit scores and car insurance rates.



The Zebra

The Zebra is the nation's leading independent insurance comparison site. The Zebra compares more than 100 insurance companies and provides agent support and educational resources to ensure drivers are equipped to make the most informed decisions about their home and auto insurance.