Cheapest car insurance companies in Nampa
Auto-Owners and Geico offer the cheapest car insurance rates in Nampa for 2023, according to a study by Insurance.com.
In Nampa, Auto-Owners provides the cheapest auto insurance rates to drivers at an average annual premium of $838 annually.
Car insurance prices in Nampa can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Nampa drivers.
| Companies | Average annual rates |
|---|---|
| USAA | $682 |
| Auto-Owners | $838 |
| Geico | $990 |
| State Farm | $1,117 |
| Travelers | $1,185 |
| Nationwide | $1,415 |
| Farm Bureau | $1,495 |
| Farmers | $1,552 |
| Allstate | $1,785 |
| Sentry Insurance | $2,941 |
Cheapest car insurance cost in Nampa by Age Group
Auto-Owners is the cheapest option for car insurance in Nampa for teen drivers, with average annual premiums at just $2,698 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.
USAA provides the cheapest car insurance coverage for young drivers in Nampa, with an annual premium of $1,300 on average.
As Nampa drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. USAA stands out as the cheapest car insurance option for adult drivers, with an annual premium of $694.
With an average annual premium of $717, USAA offers Nampa's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Auto-Owners | $2,698 | $1,580 | $856 | $927 |
| Farm Bureau | $3,097 | $2,481 | $1,497 | $1,235 |
| Geico | $3,173 | $1,621 | $985 | $1,252 |
| State Farm | $3,448 | $1,935 | $1,131 | $1,108 |
| Travelers | $3,884 | $1,753 | $1,206 | $1,401 |
| USAA | $4,177 | $1,300 | $694 | $717 |
| Nationwide | $5,056 | $2,475 | $1,401 | $1,361 |
| Sentry Insurance | $6,584 | $4,320 | $2,931 | $2,688 |
| Allstate | $6,871 | $2,948 | $1,756 | $1,756 |
| Farmers | $8,113 | $2,271 | $1,516 | $1,566 |
Cheapest car insurance companies in Nampa by driver profile
Insurers in Nampa consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.
Comparison shopping is the key to getting the cheapest car insurance rates in Nampa. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.
Here are some of the cheapest car insurance companies in Nampa based on driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: Geico
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
Geico has the cheapest rates for Nampa drivers with poor credit looking for affordable auto insurance. At an annual cost of $881, Geico offers substantial savings among the insurers analyzed.
Drivers with poor or bad credit scores in Nampa can consider the following car insurance companies to get the affordable car insurance coverage.
| Company | Average annual rates |
|---|---|
| Geico | $881 |
| Travelers | $1,441 |
| Nationwide | $1,463 |
| USAA | $1,534 |
| Farmers | $2,226 |
| Allstate | $2,473 |
| State Farm | $4,504 |
Cheapest for drivers with a speeding ticket: Geico
Geico has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Nampa. Its full coverage car insurance policy costs an average of $806 per year for drivers aged 30.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| Geico | $806 |
| USAA | $877 |
| State Farm | $1,017 |
| Travelers | $1,346 |
| Nationwide | $1,505 |
| Farmers | $1,797 |
| Allstate | $1,930 |
Cheapest auto insurance after an at-fault accident: State Farm
State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Nampa is $1,104. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average annual rates |
|---|---|
| State Farm | $1,104 |
| USAA | $1,137 |
| Geico | $1,291 |
| Travelers | $1,373 |
| Nationwide | $1,563 |
| Farmers | $2,088 |
| Allstate | $2,663 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the carrier that offers cheap auto insurance rates in Nampa for drivers after a DUI. Its average annual rate for full coverage is $1,017.
If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $1,017 |
| USAA | $1,604 |
| Travelers | $1,676 |
| Farmers | $2,028 |
| Nationwide | $2,428 |
| Allstate | $2,654 |
| Geico | $3,808 |
Average car insurance cost in Nampa
In Nampa, the average annual cost for full coverage car insurance is around $1,400, which breaks down to approximately $117 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Nampa is about $435.
Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as
| Average annual Rates | State minimum average |
|---|---|
| $1,400 | $435 |
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
While the 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.
