Nampa, ID Car Insurance

What rates should residents of Nampa expect to pay for their car insurance? Compared to their surrounding area, how do rates in Nampa stack up? What about against the rest of Idaho? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Nampa?

As you can tell from the chart above, the cost of coverage in Nampa is about $4 a month more expensive than the rest of Idaho.

On the flip side, when compared to the national average, the cost for auto insurance in Nampa is lower. It's about $28 cheaper to insure your vehicle in Nampa compared to the average rate for the U.S. as a whole.

Although these are the average rates for auto insurance in Nampa, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down the average rate for Nampa residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

More time behind the wheel makes you a more experienced driver. That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates climb back up a bit in Nampa.

Average Car Insurance Rates by Gender

On average, female drivers pay slightly less for car insurance than their male counterparts. Male and female drivers in Nampa, however, both pay around $53 a month for auto insurance.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Nampa, a driving record with a single accident will usually get you a rate around $60 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $59.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

The most affordable vehicles to insure in Nampa are typically trucks and vans, which run about $43 per month.

Car owners, on the other hand, usually pay around $56 per month, while SUV drivers can expect to pay about $50 a month for insurance coverage.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Nampa, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Generally, married policyholders will pay slightly less for car insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

In Nampa, the difference in rates based on relationship status can be as much as $7 a month.

Average Car Insurance Rates by Housing Situation

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $13 a month more than if you own your own home in Nampa. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.

Car Insurance Companies in Nampa, ID

Recent trends in car insurance for Nampa drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

The cost of auto insurance in Nampa went up from 2017-2018, before leveling out in 2019. Rates finished up in 2022, at $59 per month

How does Nampa compare to neighboring areas?

Why are car insurance rates in Nampa different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. Where you live will also have a significant impact on your personal policy. This may include things like:

• Prevalence of crime
• Total number of drivers in the region
• Road Safety (total number of local car accidents)
• Regional regulations
• Amount of off-street parking

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Nampa?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering policies in Nampa.

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Nampa Insurance FAQs

What factors affect car insurance quotes in Nampa?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Nampa different from other neighboring cities?

Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Nampa?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Nampa?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Nampa or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?