Nampa, ID Car Insurance

On average, drivers in Nampa pay around $52 per month for their car insurance. We cover plan rates, policies and more in our guide below.
Compared to their surrounding area, how do rates in Nampa stack up? What about against the rest of Idaho? What rates can residents of Nampa expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Nampa?

Area Average Monthly Car Insurance Premium
Nampa$52
ID$48
United States$80

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.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Nampa is rather affordable. It's around $28 less to insure your vehicle compared to the average rate for the U.S. as a whole.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

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're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$73
25-34$58
35-44$36
45-54$35
55-64$36
65+$31

It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Nampa drivers may see their rates climb back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$51
Female$53

Male drivers pay, on average. slightly more than female drivers for auto insurance. While this isn't true in Nampa, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$59
Multiple Accidents$62
1 Ticket$94
Multiple Tickets$55

Your driving record can have a huge impact on your car insurance rates. Those with clean records can expect to pay a lot less than those with infractions. In Nampa, drivers with one accident on their record will experience rates around $59 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $94.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$23
2-3 Years$67
4-5 Years$51
6-7 Years$65
8-10 Years$67
11-14 Years$46
15 Years or Older$46

In Nampa, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $43 per month for insurance coverage.

SUV drivers will see rates of about $52, while the rates for car owners average out to about $53 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Nampa, vehicles two-to-three years old and eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$56
Married$50
Divorced$37
Widowed$39

Generally, married policyholders will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Nampa can be as much as $6 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$44
Rent$56
Live with parents$41

Another factor that comes into play is your living accommodations. In Nampa, homeowners can expect to pay around $12 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

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.

In Nampa, the rates for car insurance had been increasing from 2016-2018, before leveling out in 2019. Policy premiums finished down in 2021, at $51 per month

How does Nampa compare to neighboring areas?

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

Car insurance companies will take into account a lot of factors when they're deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • General road safety (how many accidents each locality has)
  • Regional crime rates
  • Regional regulations
  • Access to off-street parking
  • Total number of drivers

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

How can I find the cheapest car insurance in Nampa?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans 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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Nampa or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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