Nampa, ID Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Nampa, ID, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Car Insurance Rates in Nampa, ID, as Cheap as $942
The average cost of auto insurance in Nampa, ID, is $942. Car owners here can improve savings by comparing multiple auto insurance quotes from different auto insurers. The cost of auto insurance depends on numerous factors ranging from the make and model of the vehicle to the driver’s age.
Insurance Requirements in Texas:
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Bodily injury liability coverage: $25,000 per person and $50,000 per accident.
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Property damage liability coverage: $15,000 per accident.
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Uninsured motorist coverage: $25,000 per person and $50,000 per accident.
Demographics:
The cost of auto insurance depends on the driver’s age and gender. Women are generally considered to be safe drivers, making auto insurance cheaper for them. Auto insurance is most affordable for drivers who are in their fifties and sixties ($831 and $842). Auto insurance is expensive for teenagers since they lack driving experience. The average cost of auto insurance for teenagers in Nampa is $3,057.
Driving Record:
The driving record of car owners also has a direct impact on the cost of auto insurance. Getting charged for offenses such as DUI and driving without a proper license can have a long-term impact on Nampa’s cost of auto insurance. Post-DUI, the average cost of auto insurance increases to $1,502, from $942. Driving without a proper license can lead to an increase of $635.
Deductible:
Deductibles are among the most common factors affecting the rate of auto insurance in the country, and Nampa is no different. A high deductible leads to a decrease in the cost of auto insurance, while a low deductible can lead to an increase. The average cost of auto insurance on a low deductible ($500) is $1,502. This goes down to $429 when the deductible is higher ($1,000).
Neighborhood:
The neighborhood one lives in Nampa can also have an impact on the cost of auto insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors like the make and model of the vehicle and the rate of auto thefts in the neighborhood, the price can vary within the city.
Credit Score:
A healthy credit score will also determine the cost of one’s auto insurance. Possessing an “exceptional” or “good” credit score will reduce the cost of auto insurance for the car owner, while a “poor” credit score can lead to a substantial increase in Nampa. The cost of auto insurance when the credit score is exceptional in Nampa is as low as $808, while it increases to $1,537 when the credit score is poor.
Factors that can influence the cost of car insurance in Nampa, ID are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Nampa, ID Auto Insurance Rates
- Nampa, ID Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Nampa, ID
- Multi Vehicle Insurance Savings in Nampa, ID
- How Credit Score Affects Car Insurance Rates in Nampa, ID
- How DUI Affects Auto Insurance Premiums in Nampa, ID
- Top Auto Insurance Agents Near Nampa, ID
- How Driving Violations Affect Auto Insurance Rates in Nampa, ID
- Nampa, ID Auto Insurance Discounts on Anti Theft Feature
- Nampa, ID Auto Insurance Company Reviews
Nampa, ID Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Nampa, ID with that of other cities in and around Nampa.
| Nampa | Melba | Canyon County | Caldwell | Kuna | Meridian | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $942 | $1,065 | $1,033 | $953 | $1,049 | $1,090 |
Nampa, ID Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Nampa, ID based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Nampa | $1,179 | $996 |
| Caldwell | $2,799 | $2,364 |
| Canyon County | $2,190 | $1,850 |
| Meridian | $1,477 | $1,248 |
| Huston | $1,758 | $1,485 |
| Kuna | $1,419 | $1,199 |
| Star | $1,638 | $1,383 |
| Melba | $1,120 | $946 |
Nampa, ID Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Nampa, ID usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,057 |
| 20 Years | $1,210 |
| 30 Years | $932 |
| 40 Years | $897 |
| 50 Years | $831 |
| 60 Years | $842 |
| 70 Years | $980 |
Nampa, ID Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Nampa, ID can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,639 | $245 |
| 3 Vehicles | $2,459 | $367 |
| 4 Vehicles | $3,278 | $490 |
Savings on 2 Vehicles bundle:$245
Savings on 3 Vehicles bundle:$367
Savings on 4 Vehicles bundle:$490
Nampa, ID Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Nampa, ID.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Nampa | $942 | $1,502 |
| Caldwell | $953 | $1,520 |
| Canyon County | $1,033 | $1,647 |
| Meridian | $1,090 | $1,738 |
| Huston | $1,078 | $1,719 |
| Kuna | $1,049 | $1,673 |
| Star | $1,084 | $1,728 |
| Melba | $1,065 | $1,698 |
Nampa, ID Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $808 |
| Excellent (740-799) | $923 |
| Good (670-739) | $982 |
| Average (580-669) | $1,281 |
| Poor (300-579) | $1,537 |
Nampa, ID Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Nick Carlson | State Farm | 1406 N Main St Ste 101, Meridian, 83642-1798 | 208-344-6288 |
| Danny Robertson | Allstate | 8 W Franklin Rd, Meridian, 83642 | (208) 855-0224 |
| Ken Wells | State Farm | 600 N Midland Blvd, Nampa, 83651-6526 | 208-466-4162 |
| Bruce Ritchie | Allstate | 3120 W Belltower Dr Ste 175, Meridian, 83646 | (208) 376-0548 |
| J & K Insurance Inc | Travelers | 236 W CHERRY LANE, MERIDIAN, 83646 | 208-887-5300 |
| Meridian Insurance Agency Llc | Liberty Mutual Independent | 110 E 3RD ST, MERIDIAN, 83642 | (208) 888-1421 |
| Ballard & Co Inc Insurance | Travelers | 851 E FAIRVIEW AVE, MERIDIAN, 83642 | 208-323-8214 |
| David Page | Farmers | 1560 N Crestmont Dr Ste C, Meridian, 83642 | (208) 884-0072 |
| Allegis Casualty Llc | Travelers | 16132 N HIGH DESERT ST STE 120, NAMPA, 83687 | 208-461-6800 |
| Dwain Cluff | State Farm | 463 W 4th St, Kuna, 83634-2052 | 208-922-3344 |
| American West Insurance Agency Inc | None | 3750 N Buckstone Ave, Meridian, 83646 | None |
Nampa, ID Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$41 | $983 |
| Driver's Failure In Showing Documents | +$91 | $1,033 |
| Driving With An Expired Registration | +$97 | $1,039 |
| Driving At A Considerably Slow Pace | +$204 | $1,146 |
| Using A Cellphone While Driving | +$216 | $1,158 |
| Running A Red Light | +$219 | $1,161 |
| Speeding | +$231 | $1,173 |
| Driving A Vehicle Without The Required Permission | +$293 | $1,235 |
| Driving With An Expired/Suspended License | +$635 | $1,577 |
Nampa, ID Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $904 |
| Active Disabling Device | $904 |
| Tracking Device | $885 |
| Passive Disabling Device | $876 |
Latest Auto Insurance Reviews in Nampa, ID | Back to Top
Farmer's InsurancePolicy is at least $40 a month cheaper than other companies while saving me money also. This saves me almost $500 a year.
Safeco InsuranceI have had no issues with this company and would recommend to others given the ease of my experience and the fair rate I receive, especially given the area I live in has a high rate of car vandalism and thefts.
Erie InsuranceThis company is very trustworthy and does a good job when it comes to claims. Their customer service is excellent and very fast. The insurance is affordable which makes it even better.
American Family InsuranceI have never actually had to use the customer service for my car insurance. I have not had to file a claim since having my current insurance, so I can't really comment on how their customer service is in the car area.
American Family InsuranceI have never actually had to use the customer service for my car insurance. I have not had to file a claim since having my current insurance, so I can't really comment on how their customer service is in the car area.
ProgressiveThe amount i pay per month for full coverage on three vehicles is a really good price. They also offer a bundle where i could add my home if i wanted to for insurance. I rate it at a 1.
AllstateThe premiums with this company are better and lower then that of my previous insurance company and that is why I made the switch to this insurance company
State FarmThe company is pleasant and affordable. I have not had any bad experiences with State Farm. I am completely satisfied with the services I have received.
National GeneralI dislike the 1-800 number. The call center workers cannot answer policy specific information. I end up having to wait to speak with my agent the next day.
AllstateI am glad that I can call the office and speak with a person. However my recent claim was not handled very well so it didn't matter that i was able to talk to a person
AllstateI think it my premium is a lot higher than other companies. I'm seeing constant commercials about how Progressive offers all of these great discounts and how The General and Geico is lower. I've been with this same insurance since I started driving because that is what my parents had and it is too much of a hassle to switch.
GeicoI love their commercials, they are often hilarious. The customer service is exceptional. their rates are more than fair. The Geico website is easy to navigate and I like the variety of payment options available to me.