Average car insurance cost in Nampa
The average cost of full coverage car insurance in Nampa is $1,604 per year, or about $134 per month. This rate is based on 100/300/100 liability limits and $500 deductibles. State minimum insurance averages $520 annually but offers substantially less coverage.
The required state minimum liability limits are 25/50/15. A minimum-coverage policy pays for injuries or property damage you cause to others, up to the policy limits. It does not include comprehensive or collision insurance for damage to your own car.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $802 |
| Average annual premium | $1,604 |
| State minimum premium | $520 |
Cheapest car insurance companies in Nampa
GEICO offers the cheapest full coverage car insurance in Nampa at $1,092 per year. Auto-Owners has the next-lowest average rate. Since insurance companies use different pricing methods, the most affordable carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. varies significantly from one driver to another.
Your location, driving record, vehicle, selected limits, and insurance company all influence your premium. When comparing insurers, request quotes with matching coverage limits and deductibles to ensure the price comparison is accurate.
Below are the companies that offer cheap car insurance to drivers in Nampa.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $546 | $1,092 |
| Auto-Owners | $702 | $1,404 |
| State Farm | $719 | $1,438 |
| Farmers | $780 | $1,560 |
| Nationwide | $799 | $1,599 |
| Travelers | $814 | $1,628 |
| Idaho Farm Bureau | $1,036 | $2,072 |
| Allstate | $1,158 | $2,316 |
| Sentry Insurance | $1,730 | $3,460 |
| USAA | $355 | $710 |
Cheapest car insurance cost in Nampa by age group
Car insurance prices in Nampa differ by age because insurers consider how driving experience impacts expected accident risk. GEICO is the cheapest company for teens, GEICO for young adults, GEICO for adults, and GEICO for seniors, based on the rates in our analysis.
Take a look at the cheapest companies in Nampa by age below:.
- Cheapest for teens: GEICO
- Cheapest for young adults: GEICO
- Cheapest for adults: GEICO
- Cheapest for seniors: GEICO
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. GEICO offers the cheapest car insurance for teens at $3,509 per year.
For young adults, GEICO offers the lowest average rate at $1,793 annually. Young adults pay less than teenagers as they gain experience, but their premiums remain higher than rates for older adult drivers.
GEICO is the least expensive insurer for adult drivers in Nampa, with an average annual premium of $1,087. Adults benefit from greater driving experience and a lower likelihood of filing an accident claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing..
Senior drivers can find the cheapest average car insurance from GEICO at $1,383 per year. Premiums may increase for some older drivers when insurers account for changes in reaction time, vision and accident risk.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| GEICO | $3,509 | $1,793 | $1,087 | $1,383 |
| Auto-Owners | $4,026 | $2,379 | $1,414 | $1,548 |
| State Farm | $4,474 | $2,507 | $1,456 | $1,425 |
| Farmers | $8,279 | $2,328 | $1,525 | $1,560 |
| Nationwide | $6,739 | $3,269 | $1,616 | $1,515 |
| Travelers | $5,516 | $2,453 | $1,658 | $1,936 |
| Idaho Farm Bureau | $4,285 | $3,436 | $2,074 | $1,709 |
| Allstate | $7,249 | $3,872 | $2,277 | $2,278 |
| Sentry Insurance | $8,315 | $5,398 | $3,187 | NA |
| USAA | $4,322 | $1,354 | $723 | $745 |
Cheapest car insurance companies in Nampa by driver profile
The cheapest car insurance provider in Nampa varies based on driving history and credit-based insurance information. State Farm has the lowest rate after an at-fault accident, State Farm after a DUI, and GEICO after a speeding ticket. Shopping around becomes particularly valuable after a violation.
Below are some of the cheapest car insurance companies in Nampa by driver profile.
- Cheapest for poor credit: GEICO
- Cheapest for an at-fault accident: State Farm
- Cheapest for a DUI: State Farm
- Cheapest for a driver with a speeding ticket: GEICO
Cheapest for a driver with poor credit: GEICO
Drivers with poor credit in Nampa can find the lowest average car insurance rate from GEICO at $1,338 per year.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Nampa.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $669 | $1,338 |
| Farmers | $1,148 | $2,297 |
| Travelers | $1,229 | $2,458 |
| Nationwide | $1,283 | $2,565 |
| State Farm | $1,418 | $2,836 |
| Auto-Owners | $1,675 | $3,351 |
| Allstate | $1,705 | $3,409 |
| USAA | $822 | $1,643 |
Cheapest auto insurance after an at-fault accident: State Farm
In Nampa, State Farm offers the cheapest car insurance for drivers with an at-fault accident at $1,687 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Nampa.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| State Farm | $843 | $1,687 |
| GEICO | $893 | $1,787 |
| Auto-Owners | $1,060 | $2,120 |
| Travelers | $1,063 | $2,126 |
| Farmers | $1,371 | $2,742 |
| Nationwide | $1,386 | $2,772 |
| Allstate | $1,856 | $3,711 |
| USAA | $522 | $1,043 |
Cheapest auto insurance after a DUI: State Farm
State Farm offers the cheapest average car insurance after a first-offense DUI/DWI in Nampa, with a rate of $1,553 per year. A DUI will cause a major premium increase because insurers classify the driver as a higher risk, but shopping around can help you find lower rates.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Nampa.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| State Farm | $777 | $1,553 |
| Farmers | $1,071 | $2,142 |
| Travelers | $1,139 | $2,279 |
| Allstate | $1,557 | $3,113 |
| Auto-Owners | $1,643 | $3,287 |
| GEICO | $1,664 | $3,327 |
| Nationwide | $1,767 | $3,535 |
| USAA | $742 | $1,484 |
Cheapest for drivers with a speeding ticket: GEICO
GEICO offers the cheapest car insurance at $1,210 in Nampa for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies offering cheap auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $605 | $1,210 |
| State Farm | $777 | $1,553 |
| Farmers | $995 | $1,990 |
| Auto-Owners | $1,073 | $2,146 |
| Travelers | $1,091 | $2,182 |
| Nationwide | $1,319 | $2,638 |
| Allstate | $1,341 | $2,682 |
| USAA | $448 | $896 |
Car insurance discounts for Nampa drivers
The biggest car insurance discount available in Nampa is for the Student Away At School category at 37%, offered by GEICO.
Additional discounts include those for safe drivers, good students, and bundling your home and auto insurance.
Here are some of the car insurance discounts insurers offer to Nampa drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | GEICO | $1,308 | $1,297 | 1% | $11 |
| Air Bags | Nationwide | $1,802 | $1,790 | 1% | $13 |
| Anti-Theft Device | GEICO | $1,308 | $1,297 | 1% | $11 |
| Anti-Theft Device | Auto-Owners | $1,558 | $1,543 | 1% | $15 |
| Comp and Coll Deductibles | GEICO | $1,308 | $1,110 | 15% | $198 |
| Comp and Coll Deductibles | State Farm | $1,452 | $1,352 | 7% | $100 |
| Comp and Coll Deductibles | Farmers | $1,636 | $1,496 | 9% | $140 |
| Comp and Coll Deductibles | Auto-Owners | $1,558 | $1,506 | 3% | $52 |
| Comp and Coll Deductibles | Travelers | $1,756 | $1,571 | 11% | $185 |
| Comp and Coll Deductibles | Nationwide | $1,802 | $1,645 | 9% | $157 |
| Comp and Coll Deductibles | Idaho Farm Bureau | $2,272 | $2,102 | 7% | $170 |
| Comp and Coll Deductibles | Allstate | $2,525 | $2,167 | 14% | $358 |
| Comp and Coll Deductibles | Sentry Insurance | $2,947 | $2,891 | 2% | $56 |
| Daily Commute | GEICO | $1,308 | $1,241 | 5% | $67 |
| Daily Commute | Auto-Owners | $1,558 | $1,429 | 8% | $129 |
| Daily Commute | Idaho Farm Bureau | $2,272 | $2,038 | 10% | $234 |
| Days Advanced Purchase | Auto-Owners | $1,558 | $1,440 | 8% | $118 |
| Days Advanced Purchase | Farmers | $1,636 | $1,555 | 5% | $81 |
| Days Advanced Purchase | Travelers | $1,756 | $1,677 | 4% | $79 |
| Days Advanced Purchase | Nationwide | $1,802 | $1,731 | 4% | $71 |
| Days Advanced Purchase | Allstate | $2,525 | $2,203 | 13% | $322 |
| Days Advanced Purchase | Sentry Insurance | $2,947 | $2,690 | 9% | $258 |
| Days Per Week Driven | GEICO | $1,308 | $1,241 | 5% | $67 |
| Education | GEICO | $1,308 | $1,181 | 10% | $127 |
| Electronic Funds Transfer | Farmers | $1,636 | $1,603 | 2% | $33 |
| Electronic Funds Transfer | Travelers | $1,756 | $1,721 | 2% | $35 |
| Electronic Funds Transfer | Nationwide | $1,802 | $1,731 | 4% | $71 |
| Electronic Funds Transfer | Idaho Farm Bureau | $2,272 | $2,202 | 3% | $70 |
| Electronic Funds Transfer | Allstate | $2,525 | $2,418 | 4% | $107 |
| Homeowner | Auto-Owners | $1,558 | $1,464 | 6% | $94 |
| Homeowner | Farmers | $1,636 | $1,534 | 6% | $102 |
| Homeowner | Allstate | $2,525 | $2,302 | 9% | $224 |
| Lower Annual Mileage | State Farm | $1,452 | $1,307 | 10% | $145 |
| Loyalty - Years Renewal With Company | State Farm | $1,452 | $1,296 | 11% | $156 |
| Loyalty - Years Renewal With Company | Idaho Farm Bureau | $2,272 | $2,095 | 8% | $177 |
| Loyalty - Years Renewal With Company | Sentry Insurance | $2,947 | $2,906 | 1% | $41 |
| Marital Status | GEICO | $1,308 | $1,241 | 5% | $67 |
| Marital Status | Farmers | $1,636 | $1,576 | 4% | $60 |
| Marital Status | Nationwide | $1,802 | $1,629 | 10% | $173 |
| Marital Status | Allstate | $2,525 | $2,453 | 3% | $72 |
| Marital Status | Sentry Insurance | $2,947 | $2,641 | 10% | $306 |
| Multi Policy | GEICO | $1,308 | $1,269 | 3% | $39 |
| Multi Policy | State Farm | $1,452 | $1,308 | 10% | $144 |
| Multi Policy | Auto-Owners | $1,558 | $1,432 | 8% | $125 |
| Multi Policy | Farmers | $1,636 | $1,434 | 12% | $202 |
| Multi Policy | Travelers | $1,756 | $1,629 | 7% | $127 |
| Multi Policy | Nationwide | $1,802 | $1,702 | 6% | $101 |
| Multi Policy | Idaho Farm Bureau | $2,272 | $2,130 | 6% | $142 |
| Multi Policy | Allstate | $2,525 | $2,237 | 11% | $288 |
| Paperless/Electornic Documents | Farmers | $1,636 | $1,603 | 2% | $33 |
| Paperless/Electornic Documents | Nationwide | $1,802 | $1,731 | 4% | $71 |
| Paperless/Electornic Documents | Idaho Farm Bureau | $2,272 | $2,159 | 5% | $114 |
| Paperless/Electornic Documents | Allstate | $2,525 | $2,418 | 4% | $107 |
| Payment Type | Auto-Owners | $1,558 | $1,355 | 13% | $203 |
| Payment Type | Farmers | $1,636 | $1,555 | 5% | $81 |
| Payment Type | Nationwide | $1,802 | $1,659 | 8% | $143 |
| Payment Type | Travelers | $1,756 | $1,668 | 5% | $87 |
| Payment Type | Idaho Farm Bureau | $2,272 | $2,114 | 7% | $158 |
| Payment Type | Allstate | $2,525 | $2,189 | 13% | $336 |
| Payment Type | Sentry Insurance | $2,947 | $2,687 | 9% | $260 |
| Primary Use | GEICO | $1,308 | $1,241 | 5% | $67 |
| Primary Use | State Farm | $1,452 | $1,286 | 11% | $165 |
| Primary Use | Auto-Owners | $1,558 | $1,330 | 15% | $228 |
| Primary Use | Nationwide | $1,802 | $1,659 | 8% | $143 |
| Primary Use | Travelers | $1,756 | $1,691 | 4% | $65 |
| Primary Use | Idaho Farm Bureau | $2,272 | $2,038 | 10% | $234 |
| Profession | GEICO | $1,308 | $1,181 | 10% | $127 |
| Safety Devices | GEICO | $1,308 | $1,275 | 3% | $33 |
| Safety Devices | Auto-Owners | $1,558 | $1,494 | 4% | $64 |
| Safety Devices | Travelers | $1,756 | $1,712 | 3% | $44 |
| Safety Devices | Allstate | $2,525 | $2,345 | 7% | $180 |
| Telematics | State Farm | $1,452 | $1,337 | 8% | $115 |
| Years Insured | Travelers | $1,756 | $1,135 | 35% | $621 |
| Years Insured | GEICO | $1,308 | $1,156 | 12% | $152 |
| Years Insured | Auto-Owners | $1,558 | $1,351 | 13% | $206 |
| Years Insured | Farmers | $1,636 | $1,353 | 17% | $283 |
| Years Insured | Nationwide | $1,802 | $1,729 | 4% | $74 |
| Years Insured | Idaho Farm Bureau | $2,272 | $1,923 | 15% | $349 |
| Years Insured | Allstate | $2,525 | $1,938 | 23% | $587 |
| Years Insured | Sentry Insurance | $2,947 | $2,747 | 7% | $200 |
| Years Licensed | State Farm | $1,452 | $1,197 | 18% | $255 |
How to get cheap car insurance in Nampa in 2026
To find cheap car insurance in Nampa in 2026, compare several insurers using the same limits and deductibles, request every eligible discount, and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. that you can afford. A clean driving history, an affordable vehicle, and regular policy reviews can also help keep premiums under control.
Find affordable car insurance in Nampa by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Nampa.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Nampa
How much does car insurance cost in Nampa?
Car insurance costs $1,604 per year on average, or about $134 monthly for full coverage in Nampa. This average is based on 100/300/100 liability limits with $500 deductibles, but your final price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in ID?
No, you don't legally need full coverage in ID, but you're required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Nampa?
You can reduce your car insurance costs in Nampa by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
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