Nampa drivers pay an average of $1,392/year — $379 less than the national average. With 1,279 crashes per year and a 3.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $384/year.
(888) 217-6781Estimated full coverage auto insurance rates for Nampa, ID from top carriers. Rates are adjusted for Nampa's 1,279 annual crashes, 3.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| Idaho Farm Bureau ⭐ | $508 | $85/mo |
| GEICO | $527 | $88/mo |
| Progressive | $593 | $99/mo |
| State Farm | $654 | $109/mo |
| Farmers | $744 | $124/mo |
Estimates based on 2026 rate filings for ZIP 83686. Idaho Farm Bureau is cheapest at ~$85/mo. Actual rates vary by driver profile and exact Nampa location.
These Nampa-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Nampa, ID. Takes under 2 minutes.
(888) 217-6781Nampa is a mid-size city in Idaho with a population of 100,200. While it avoids the extreme congestion of larger metros, Nampa has its own risk factors — growing commuter traffic, expanding development, and snow, ice, wildlife crossings, wildfire smoke, mountain roads — that shape local auto insurance rates. Drivers in Nampa typically pay close to the Idaho state average, with significant variation by ZIP code and neighborhood.
For official Idaho insurance regulations, visit the Idaho Department of Insurance. For driver licensing, see the Idaho Transportation Department.
Your specific ZIP code within Nampa can swing your premium by hundreds of dollars. Here's how rates compare across Nampa neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 83692 | Nampa South Side | $1,328/yr | $111/mo |
| 83690 | Nampa North Side | $1,348/yr | $112/mo |
| 83690 | Nampa West Side | $1,378/yr | $115/mo |
| 83692 | Nampa East Side | $1,393/yr | $116/mo |
| 83686 | Nampa Downtown/Central | $1,492/yr | $124/mo |
The cheapest ZIP is 83692 (Nampa South Side) at $1,328/yr. The most expensive is 83686 (Nampa Downtown/Central) at $1,492/yr — a $164/year difference for the same driver.
Your Nampa ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Nampa. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,923/yr | $244/mo | +110% vs avg |
| Young Adult (20-25) | $1,949/yr | $162/mo | +40% vs avg |
| Adult (26-35) | $1,392/yr | $116/mo | 0% vs avg |
| Mid-Career (36-50) | $1,225/yr | $102/mo | -12% vs avg |
| Senior (51-65) | $1,155/yr | $96/mo | -17% vs avg |
| 65+ | $1,239/yr | $103/mo | -11% vs avg |
Teens in Nampa pay an average of $2,923/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,155/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Idaho cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Nampa drivers can save up to $384/year. ZIP 83692 (Nampa South Side) has the lowest rates starting at $1,328/yr.
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