Auto insurance costs an average of $92 per month in Nampa. If you're paying too much, compare rates and save.
Why you can trust The Zebra
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.
|Nampa Average (yearly)||Idaho Average||United States Average|
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.
|Company||Average Annual Rate|
Want to learn more? See our guides to finding the cheapest car insurance and auto insurers with the best consumer and third-party ratings
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.
|Age||Average Yearly Rate|
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.
|Marital Status/Gender||Average Annual Rate|
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.
|Citation||Average Yearly Rate|
|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|
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.
|Credit Tier||Average Yearly Rate|
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.