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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 Average United 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
Company Average Annual Rate
State Farm $804
Liberty Mutual $906
Progressive $1,027
Farm Bureau $1,114
Farmers $1,188


Want to learn more? See our guides to finding the cheapest car insurance and auto insurers with the best consumer and third-party ratings

https://www.thezebra.com/insurance-companies/best-car-insurance-companies/

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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
Age Average 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/Gender Average 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
Citation Average 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 Tier Average 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.



Ross Martin photo
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross has spent the last three years with The Zebra researching and writing insurance content aimed at helping shoppers make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.