Over 4,000,000 customers and counting

, and

Idaho’s car insurance laws

are three of the most popular and highly-rated insurance providers in Idaho.

However, the more car insurance quotes customers looked at, the higher their chances of success at finding low rates.

Here’s how Nampa drivers rated different companies on a scale of 0 to 5.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Safeco	4.8	4.8	N/A	4.5
Progressive	4.5	4.1	4.3	4.2
Geico	4.5	4	4.8	3.5
Allstate	3.8	3.2	N/A	4
State Farm	3	2.3	N/A	3.7

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Nampa

All Nampa drivers must carry

liability car insurance

to comply with

. If you harm someone or their property while driving, liability car insurance covers the costs of their treatments, repairs, and replacements.

It’s also a good idea to increase your coverage limits above the state minimum in certain circumstances (more on that later).

Cheap minimum liability insurance quotes in Nampa

In Idaho—and by extension, Nampa—the minimum liability coverage limits follow a pattern of 25/50/15.

A policy should provide at least:

$25,000 of

bodily injury liability

coverage per person

$50,000 of bodily injury liability coverage per accident

$15,000 of

property damage liability

coverage per accident

Keeping liability coverage to the minimum required often results in the lowest rates. Jerry helped Nampa drivers find the following deals on no-frills liability car insurance:

Lettie (41 years old)

Coverage

State Minimum

Nampa, ID (Zip Code: 83651)

Infiniti FX35

$111

per month

Glen (28 years old)

Coverage

State Minimum

Nampa, ID (Zip Code: 83686)

Toyota Tacoma Double Cab

$75

per month

Ford Econoline E350 Super Duty Cutaway VAN

Blanche (46 years old)

Coverage

State Minimum

Nampa, ID (Zip Code: 83686)

Dodge Charger Police

$168

per month

Dairyland

Duane (40 years old)

Coverage

State Minimum

Nampa, ID (Zip Code: 83651)

$82

per month

Do you need more than minimum coverage in Nampa?

Nampa drivers should consider coverage that exceeds the state's minimum of 25/50/25.

It’s easy for medical and vehicle repair expenses to add up in an at-fault accident in downtown Nampa, particularly in the case of serious injury.

If anything surpasses your coverage limits, you’ve got to pay it yourself. That’s especially worrying once you consider that

Idaho’s car accident laws

allow injured parties to sue for damages two to three years after a car crash.

The bottom line: Go with 50/100/30 or 100/200/60 liability coverage limits for better financial protection.

Cheap full coverage car insurance quotes in Nampa

Full-coverage car insurance

isn’t obligatory, but you should consider investing in it to keep your vehicle looking as good as new.

A full coverage policy includes

collision coverage

and

comprehensive coverage

Collision insurance covers repairing or replacing your car following an accident with another vehicle or stationary object.

Comprehensive coverage covers theft, vandalism, and natural disasters.

If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid it off. Using Jerry, you can find the lowest full coverage car insurance rates in Nampa.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$111	Kate, 41 Zip: 83651	Infiniti FX35
• 100,000/300,000 Liability • Comp / Collision	Travelers	$90	Roxie, 32 Zip: 83687	Subaru Forester Sport
• 100,000/300,000 Liability • Comp / Collision	Safeco	$111	Frances, 42 Zip: 83687	Toyota Corolla SE
• 100,000/300,000 Liability • Comp / Collision	Nationwide	$62	Ellen, 29 Zip: 83687	Hyundai Tucson Limited

Last Updated Sep 29, 2023

Comparing car insurance quotes online is easier with an app or website—and it’s even easier with a team of

100+ licensed insurance agents

at your back. Enjoy expert customer service and the easiest car insurance shopping experience you’ve ever had by using Jerry.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

Lower my car insurance too!

Average cost of car insurance in Nampa

Based on our experience helping thousands of Nampa drivers find car insurance, we estimate the average cost of minimum liability coverage to be around $70 per month or $842 per year.

The average cost for full coverage insurance in Nampa increases to $148 per month or $1,770 per year. Prices start at about $70 per month for minimum liability coverage and $148 per month for full coverage policies.

Nampa average insurance rates can help you build a budget, but they collapse under scrutiny. Many factors influence a driver's insurance premiums, including their car, driving profile, and claims history. Be prepared to spend more than average on your actual premiums—or less if you compare prices!

Average cost of car insurance in Nampa by zip code

If you hear car alarms go off in your neighborhood all the time, there’s a chance you live in a risky zip code.

Zip codes with high crime, congestion, or accident rates make insurance providers nervous. Because auto insurance companies expect to pay out many claims to customers who live in these neighborhoods, they often charge them higher premiums than those who live in other parts of Nampa.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
83686	$48	$103
83687	$56	$86

Compare car insurance costs in other states

Montana car insurance

Oregon car insurance

Nevada car insurance

Utah car insurance

Wyoming car insurance

Washington car insurance

Colorado car insurance

California car insurance

Car insurance quotes in Nampa by rating factors

Various factors change

how your car insurance premiums are calculated

in Nampa, including:

Your driving record and claims history: Accidents and tickets will increase your insurance rates.

Your age: Insurers consider young drivers to be a higher risk due to their inexperience behind the wheel.

Your vehicle: Luxury, high-performance, and sports cars are more expensive to insure.

Your parking spot: If you park in a neighborhood with a high incidence of auto insurance claims, your rates will likely be higher.

Your credit score: Drivers with bad credit scores often pay higher premiums than drivers with good credit scores for the same amount of coverage.

How Do Different Factors Impact Your Car Insurance Costs in Nampa?

Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.

Prohibited (or effectively prohibited): Idaho currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Nampa:

Cheap car insurance quotes in Nampa after driving violations

Because auto insurance providers are allergic to risk, driver violation points affect your insurance rates for the worse. The more high-risk your

Idaho driving record

becomes, the higher your premiums will increase. Here are some tips for finding affordable rates:

Cheapest car insurance in Nampa after speeding ticket

To resolve an

Idaho speeding ticket

, you’ll have to pay between $90 and $1,000, but you'll pay much more in the long run due to its effects on your car insurance rates.

Your rates could jump as much as 21% if you speed up to 15 mph over the limit—or up to 29% if you were going 15 mph over or more!

Compare quotes from as many car insurance providers as possible to find savings. These are the savings Nampa speeding ticket holders found using this method (and Jerry's help):

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Progressive	$156	Joseph, 23 Zip: 83686	GMC Terrain SLT	• State Minimum Liability • Comp / Collision
Speeding 16-20	Progressive	$202	Edwin, 37 Zip: 83686	Nissan Maxima GLE	• State Minimum Liability

Last Updated Sep 25, 2023

Cheapest car insurance in Nampa after DUI

The consequences of committing a

DUI in Idaho

go beyond a ticket, a jail sentence, and a driver’s license suspension. Insurance companies often view DUI offenders as high-risk drivers and charge them higher premiums.

For those with a DUI conviction, it's critical to shop around and compare rates from several insurance companies to find the most affordable policy. Even after a DUI conviction, Jerry can help you find the best auto insurance rates in Nampa.

The General

Nathan (37 years old)

Coverage

State Minimum

Nampa, ID (Zip Code: 83686)

Nissan Maxima GLE

$94

per month

Cheapest car insurance in Nampa after an at-fault accident

An at-fault accident can add hundreds of dollars to your yearly car insurance payments. Insurance providers charge proportionally higher premiums for any high-risk behavior they see on your

Idaho driving record

Jerry helped drivers in Nampa find savings with these companies after an at-fault accident:

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With No Injury	Progressive	$111	Minnie, 41 Zip: 83651	Infiniti FX35	• State Minimum Liability • Comp / Collision
Not At Fault	Travelers	$90	Douglas, 32 Zip: 83687	Subaru Forester Sport	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Allstate	$139	Terry, 61 Zip: 83686	Hyundai Veloster	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 27, 2023

Cheapest car insurance in Nampa after other driving violations

Driving without a license, stunt driving, or

reckless driving in Idaho

can also lead to car insurance issues. Here are some of the best insurance companies in Nampa to check if you've received traffic tickets and high premiums:

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Illegal Turn	Progressive	$202	Lelia, 37 Zip: 83686	Nissan Maxima GLE	• State Minimum Liability
Failure to Yield	Allstate	$115	Cornelia, 28 Zip: 83686	Jeep Renegade Latitude	• 50,000/100,000 Liability • Comp / Collision
Cell Phone	Safeco	$75	Julia, 28 Zip: 83686	Toyota Tacoma Double Cab	• State Minimum Liability • Comp / Collision
Careless Driving	Dairyland	$82	Jimmy, 34 Zip: 83687	Chevrolet Trailblazer LS	• State Minimum Liability
Driving on Sus. License	Safeco	$137	Phoebe, 23 Zip: 83686	Toyota Tacoma Double Cab	• 50,000/100,000 Liability • Comp / Collision
Failure to Yield	Progressive	$165	Christian, 28 Zip: 83686	Jeep Renegade Latitude	• State Minimum Liability • Comp / Collision

Last Updated Sep 23, 2023

Cheap car insurance quotes in Nampa by age

As you age, your car insurance rates start high, fall in the middle, and rise again as you become a senior driver. If you're between 25 and 75, enjoy the savings! Otherwise, keep reading.

Cheapest car insurance in Nampa for young drivers

Teen drivers between 16 and 19 pay the highest insurance rates of any demographic due to their high accident rates.

Consider investing in full-coverage car insurance if your policy includes a young driver. With Jerry, you can find

the best car insurance for young drivers

in Nampa.

Brent (24 years old)

Coverage

State Minimum

Nampa, ID (Zip Code: 83651)

Nissan Altima 2.5

$121

per month

Sophia (21 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Nampa, ID (Zip Code: 83687)

Chevrolet Sonic LT

$122

per month

The best car insurance for seniors

Jennie (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Nampa, ID (Zip Code: 83686)

Toyota Tacoma Double Cab

$137

per month

Bristol West

Ray (23 years old)

Coverage

State Minimum

Nampa, ID (Zip Code: 83686)

Toyota Corolla Matrix XR

$92

per month

Cheapest car insurance in Nampa for senior drivers

After 70, senior drivers' car insurance rates rise for several reasons:

Age-related declines in vision, hearing, and reaction time

Increased risk of being involved in a car accident

Increased likelihood of suffering severe injuries in a collision

in Nampa incorporates safe driving, reduced usage, and no-claims insurance discounts. Here are some of the deals older drivers found with Jerry:

Madge (67 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Nampa, ID (Zip Code: 83686)

Honda Accord LX

$84

per month

Nationwide

Joshua (83 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Nampa, ID (Zip Code: 83651)

Subaru Impreza Premium

$83

per month

The General

Roy (79 years old)

Coverage

State Minimum

Nampa, ID (Zip Code: 83686)

Honda Pilot EX

$85

per month

Cheap car insurance quotes in Nampa based on insurance history

Allowing your car insurance coverage to lapse is a sure way to inflate your annual premiums. If you drove uninsured at any point in the past, insurance providers might consider you a high-risk driver in the present.

Jerry can help you start over with a new company and begin building your car insurance history anew. Eligible customers will receive payment reminders and automatic cost comparisons at renewal time, so they can see if they still have the most competitive rates in Nampa.

Troy (41 years old)

Currently Insured

Coverage

State Minimum

Nampa, ID (Zip Code: 83651)

Infiniti FX35

$111

per month

Nationwide

Ian (56 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Nampa, ID (Zip Code: 83651)

Toyota C-HR XLE

$79

per month

Belle (42 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Nampa, ID (Zip Code: 83687)

Toyota Corolla SE

$111

per month

vehicle anti-theft systems

Lucille (21 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Nampa, ID (Zip Code: 83687)

Chevrolet Sonic LT

$122

per month

Mercury

Duane (23 years old)

Currently Insured

Coverage

State Minimum

Nampa, ID (Zip Code: 83686)

Toyota Prius

$110

per month

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

I saved over $100 by switching!!!! I recommend it to all my family & friends.

Alexa

So far, so good!

Andrew

Great customer service.

Erika

Super affordable and much less hassle than other carriers I've had.

Kacie

Cheap car insurance quotes in Nampa for drivers with poor credit

If your credit score is 550 or less, you’ll see an increase in your insurance rates, regardless of whether or not you’re a good driver.

Auto insurance companies value timely payments just as much as safe driving!

Nampa drivers with bad credit pay almost 20% more for car insurance than their good credit counterparts! Jerry's app lets you compare quotes quickly so you can make up the difference with savings.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Safeco	$111	Lawrence, 42 Zip: 83687	Toyota Corolla SE	• 100,000/300,000 Liability • Comp / Collision
660 - 750	Progressive	$135	Estella, 41 Zip: 83651	Nissan Altima 2.5	• State Minimum Liability • Comp / Collision
660 - 750	Allstate	$88	Loretta, 48 Zip: 83651	Chevrolet Equinox LS	• 100,000/300,000 Liability • Comp / Collision
550 - 659	Bristol West	$92	Jesus, 23 Zip: 83686	Toyota Corolla Matrix XR	• State Minimum Liability
< 550	Allstate	$201	Nannie, 24 Zip: 83687	Nissan Juke S	• 50,000/100,000 Liability • Comp / Collision

Last Updated Sep 29, 2023

Cheap car insurance quotes in Nampa for popular cars

The type of car you drive helps determine your annual insurance premiums. A model with good safety ratings, driver-assistive technology, and

costs less to insure. If it’s cheap to repair, then so much the better!

With high scores in all three categories, these five models won the Nampa popular vote:

MORE:

How different kinds of cars affect your car insurance rates

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota Tacoma Double Cab	Progressive	$126	Mollie, 23 Zip: 83686	• 50,000/100,000 Liability

Last Updated Sep 29, 2023

Cheapest car insurance in Nampa for new vs. old car

Older vehicles are usually less expensive to insure than new ones. We’ve found that the average insurance cost for a car older than 10 years is $70per month in Nampa. The average cost for insuring a car less than four years old goes up to $148 per month.

Lettie (41 years old)

2004 Infiniti FX35

Coverage

State Minimum

Nampa, ID (Zip Code: 83651)

$111

per month

2008 Toyota Tacoma Double Cab

Glen (28 years old)

Coverage

State Minimum

Nampa, ID (Zip Code: 83686)

$75

per month

Travelers

Louisa (32 years old)

2019 Subaru Forester Sport

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Nampa, ID (Zip Code: 83687)

$90

per month

shop for car insurance quotes

Sophia (21 years old)

2014 Chevrolet Sonic LT

Coverage

50,000 per person

100,000 per accident bodily injury

Nampa, ID (Zip Code: 83687)

$122

per month

How to lower car insurance costs in Nampa

1. Shop around and compare quotes

You won’t know you’ve found the best deal without comparing auto insurance quotes. Try to

with at least three different providers every six months.

If you want to comparison shop in minutes with just a few taps, download Jerry. You’ll receive the most competitive quotes in Nampa that’ll take the guesswork out of your hunt for cheap rates.

MORE:

How do I get multiple car insurance quotes at once?

Compare car insurance quotes now

2. Hunt for car insurance discounts

A great

car insurance discount

is the difference between dreading your monthly bills and… well, not celebrating them, but maybe tolerating them. Take a look at these programs to lower your rates:

Good driver discounts: You're due for some savings if you've held a

clean driving record

for at least three years.

Telematics device discounts: Telematics devices reward calm and mellow driving habits over hard braking and speeding.

Good student discounts: College and high school students with a B average or better can save money on car insurance.

Insurance bundle discounts: You could save money if you

bundle your home and auto insurance

products from the same provider.

3. Increase your deductible for comprehensive and collision coverage

Increasing your deductible is an easy way to reduce your monthly payment without sacrificing coverage.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Nampa?

People living in Nampa pay on average $70 per month – or $842 per year – on state-minimum liability coverage. Full coverage in Nampa costs on average $148 per month of $1,770 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the best car insurance in Nampa?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.

Nationwide