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.

Auto-Owners is the cheapest option for most Nampa drivers, with an average annual rate of $838

In Nampa, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates. 

CompaniesAverage 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 

The cheapest auto insurance company in Nampa for teen drivers is Auto-Owners. For full coverage, its average annual rate for Nampa drivers is $2,698. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

For young drivers in Nampa, USAA has the cheapest auto insurance rates, with an average annual cost of $1,300 annually

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Nampa is USAA. Its average rate for a full coverage car insurance policy is $694 per year

If you are a senior driver in Nampa and looking for a cheap car insurance company, then consider buying insurance from USAA. It is the cheapest auto insurance company for senior drivers, with an average premium of $717 per year

CompanyTeensYoung AdultsAdultsSeniors
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 

When determining car insurance rates in Nampa, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.

To find the cheapest car insurance company in Nampa, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget. 

Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Nampa drivers based on driver profile.

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.

Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Nampa.

CompanyAverage annual rates
Geico$881
Travelers$1,441
Nationwide$1,463
USAA$1,534
Farmers$2,226
Allstate$2,473
State Farm$4,504

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. 

CompanyAverage annual premium
Geico$806
USAA$877
State Farm$1,017
Travelers$1,346
Nationwide$1,505
Farmers$1,797
Allstate$1,930

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. 

CompanyAverage annual rates
State Farm$1,104
USAA$1,137
Geico$1,291
Travelers$1,373
Nationwide$1,563
Farmers$2,088
Allstate$2,663

In Nampa, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,017 a year

Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.

CompanyAverage 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 

Full coverage car insurance in Nampa for a coverage limit of 100/300/100 is $1,400 per year or $117 per month, while the state minimum coverage costs an average of $435 a year.

While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.

Average annual RatesState 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.

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