Car Insurance Cost in Nampa, ID – 2025 Rates + Cheapest to Insure

• Nampa, ID, car insurance rates average $1,970 per year for full coverage, or approximately $164 on a monthly basis.
• Nampa car insurance averages $4 per year less than the Idaho state average cost ($1,974) and $251 per year less than the average rate for all 50 states ($2,221).
• Small crossovers like the Subaru Crosstrek, Kia Soul, Chevrolet Trailblazer, and Hyundai Venue get the nod for cheap car insurance in Nampa.
• A few vehicles with the cheapest car insurance for their respective segments include the Subaru Crosstrek at $1,454 per year, Nissan Titan at $1,842 per year, Acura RDX at $1,646 per year, and Acura Integra at $1,748 per year.
• Car insurance quotes in Nampa can range from as low as $28 per month for liability-only insurance to well over $695 per month drivers with many accidents and violations.

How much does average car insurance cost in Nampa?

The average car insurance cost in Nampa is $1,970 per year, which is 12% less than the U.S. average rate of $2,221. The average cost of car insurance per month in Nampa is $164 for a full-coverage car insurance policy.

In the state of Idaho, average auto insurance cost is $1,974 per year, so the cost in Nampa averages $4 less per year. The average cost of car insurance in Nampa compared to other Idaho cities is $34 per year less than in Pocatello, $52 per year cheaper than in Idaho Falls, and $72 per year more expensive than in Meridian.

Driver age has a big impact on the cost of car insurance, so the list below details how driver age influences cost by showing the difference in average car insurance rates for young, middle-age, and senior drivers.

Nampa car insurance cost for drivers age 16 to 60

• 16-year-old driver – $7,012 per year or $584 per month
• 17-year-old driver – $6,790 per year or $566 per month
• 18-year-old driver – $6,087 per year or $507 per month
• 19-year-old driver – $5,544 per year or $462 per month
• 20-year-old driver – $3,960 per year or $330 per month
• 30-year-old driver – $2,100 per year or $175 per month
• 40-year-old driver – $1,970 per year or $164 per month
• 50-year-old driver – $1,744 per year or $145 per month
• 60-year-old driver – $1,632 per year or $136 per month

The next chart shows a summary of car insurance rates in Nampa for 2024 model year vehicles, averaged for a variety of driver ages, policy physical damage deductibles, and risk scenarios.

The average cost of auto insurance per month in Nampa is $164, with policy prices ranging from $136 to $377 for the average costs shown in the previous chart.

What vehicles have the cheapest car insurance in Nampa, Idaho?

The vehicles with the cheapest average car insurance prices in Nampa, ID, tend to be small SUVs like the Chevrolet Trailblazer, Kia Soul, Buick Envision, and Hyundai Venue.

Average auto insurance quotes for those crossover SUVs cost $133 or less per month for full coverage car insurance.

Some additional models that rank towards the top in our cost comparison are the Buick Encore, Ford Bronco Sport, Acura RDX, and Kia Niro. Average insurance cost is slightly higher for those models than the cheapest compact SUVs at the top of the rankings, but they still have an average cost of $1,714 or less per year, or $143 per month in Nampa.

The following table details the 20 models with the cheapest car insurance in Nampa, ordered by cost.

The above table containing 20 vehicles with the cheapest insurance in Nampa is not really the best way to show a complete view of the cost of auto insurance. Due to the fact that we track over 700 vehicles, the majority of models get omitted from the list. Let’s take a different approach and reorganize the models with the cheapest rates differently.

This next section details the cost of insurance based on different automotive segments. These rates will give you a decent understanding of which types of vehicles have the cheapest average car insurance rates. Then the sections after the chart break out the models with the most affordable car insurance in the more popular segments.

Nampa car insurance rates by automotive segment

When car shopping, it’s very useful to know which categories of vehicles have less expensive auto insurance rates. To illustrate this, maybe you’re curious if compact SUVs have cheaper insurance than midsize SUVs or if sports cars have more affordable insurance than luxury cars.

The next chart shows average auto insurance rates by segment in Nampa. From a segment comparison perspective, compact and midsize SUVs, vans, and midsize pickups tend to have the most affordable average rates, while sports cars, large luxury cars, and performance exotic cars have the highest auto insurance rates.

Average auto insurance rates by segment are close enough for comparing estimates, but rates range substantially within each vehicle category shown above.

For example, in the midsize luxury SUV segment, rates range from the Jaguar E-Pace at $1,840 per year for a full coverage policy up to the Mercedes-Benz AMG GLE63 costing $3,318 per year.

Also, in the large SUV segment, the average insurance cost ranges from the Chevrolet Tahoe at $1,846 per year up to the Toyota Sequoia costing $2,464 per year, a difference of $618 within that segment.

In these next sections, we eliminate a lot of this variability by comparing the cost of auto insurance in Nampa for specific vehicles rather than by segments.

Cheapest car insurance rates in Nampa, ID

The four highest ranking 2-door and 4-door sedans and hatchbacks with the cheapest car insurance in Nampa are the Toyota GR Corolla at $1,710 per year, Nissan Leaf at $1,724 per year, Honda Civic at $1,742 per year, and Nissan Sentra at $1,802 per year.

Not the cheapest cars to insure, but still very reasonable, are cars like the Honda Accord, Chevrolet Malibu, Kia K5, and Toyota Prius, with an average cost to insure of $1,918 per year or less.

Additional vehicles worth mentioning include the Hyundai Sonata, Kia Forte, Volkswagen Jetta, and Nissan Versa, which average between $1,918 and $2,034 per year for auto insurance.

From a cost per month standpoint, auto insurance rates in this segment will start around $143 per month, depending on your location. The comparison table below ranks the twenty cars with the cheapest auto insurance rates in Nampa.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Idaho.

Cheapest SUV insurance rates in Nampa, ID

Ranking at the top of the list for the most affordable Nampa auto insurance rates in the SUV segment (excluding luxury models) are the Subaru Crosstrek, Kia Soul, Nissan Kicks, Honda Passport, and Chevrolet Trailblazer. Auto insurance prices for these 2024 models average $1,566 or less per year, or around $131 per month.

Not the cheapest, but still very affordable, are models like the Mazda CX-5, Toyota Corolla Cross, Ford Bronco Sport, and Hyundai Venue, with an average cost of $1,610 per year or less.

Ranking between positions 10 and 20, models like the Kia Niro, Subaru Outback, Nissan Murano, Volkswagen Taos, and Subaru Ascent average between $1,610 and $1,712 to insure per year in Nampa.

Full-coverage auto insurance in Nampa for this segment for the average driver starts at an average of $121 per month, depending on the company. The table below ranks the twenty SUVs with the lowest-cost car insurance rates in Nampa, starting with the Subaru Crosstrek at $1,454 per year and ending with the Subaru Ascent at $1,712 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Is your SUV missing from the table above? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Nampa car insurance quotes from top-rated companies in Idaho.

Cheapest luxury cars to insure in Nampa

The cheapest luxury cars to insure in Nampa are the Acura Integra at $1,748 per year, the BMW 330i at $2,002 per year, and the Mercedes-Benz CLA250 at $2,022 per year.

Some other luxury cars that have affordable average insurance rates are the Mercedes-Benz AMG CLA35, Lexus RC 300, Lexus ES 350, and Genesis G70, with an average cost of $2,068 per year or less.

In the lower half of the top 20 luxury cars to insure, cars like the Lexus RC 350, Cadillac CT5, Lexus ES 250, BMW 330e, and Lexus ES 300h cost between $2,068 and $2,206 per year for insurance in Nampa.

Full-coverage auto insurance in this segment for a good driver starts at an average of $146 per month, depending on your company and location.

When prices are compared by vehicle size, the most affordable compact luxury car model to insure in Nampa is the Acura Integra at $1,748 per year, or $146 per month. For midsize luxury car models, the Mercedes-Benz CLA250 has the best rates at $2,022 per year, or $169 per month. And for full-size luxury cars, the Audi A5 has the cheapest rates at $2,338 per year, or $195 per month.

The next table ranks the luxury cars with the lowest-cost insurance rates in Nampa, starting with the Acura Integra at $1,748 per year and ending with the Audi S3 at $2,206 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Don’t see insurance cost for your luxury car? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Nampa car insurance quotes from top car insurance companies in Idaho.

Cheapest luxury SUV insurance rates in Nampa, Idaho

The top five models for the cheapest Nampa auto insurance rates in the luxury SUV segment are the Acura RDX, Lexus NX 250, Jaguar E-Pace, Cadillac XT4, and Cadillac XT5. Insurance rates for these vehicles average $1,856 or less per year, or around $155 per month.

Also ranking well in our comparison are SUVs like the Lexus NX 450h, Lincoln Corsair, Mercedes-Benz GLB 250, and Lexus UX 250h, with an average cost of $1,898 per year or less.

Full-coverage insurance in Nampa for this segment for an average middle-age driver will start around $137 per month, depending on your location and insurance company.

If ranked by vehicle size, the cheapest compact luxury SUV to insure in Nampa is the Acura RDX at $1,646 per year. For midsize luxury models, the Jaguar E-Pace is cheapest to insure at $1,840 per year. And for full-size luxury SUVs, the Infiniti QX80 has the cheapest car insurance rates at $2,206 per year.

The next table ranks the SUVs with the cheapest insurance in Nampa, starting with the Acura RDX at $1,646 per year ($137 per month) and ending with the Lexus RX 350 at $1,976 per year ($165 per month).

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Nampa car insurance quotes from top companies in Idaho.

Cheapest pickups to insure in Nampa, ID

The cheapest pickup trucks to insure in Nampa are the Chevrolet Colorado at $1,732 per year, the Nissan Titan at $1,842 per year, and the Nissan Frontier at $1,862 per year.

Also ranking in the top 10 are models like the GMC Sierra 2500 HD, Hyundai Santa Cruz, Honda Ridgeline, and GMC Canyon, with average insurance cost of $2,026 per year or less.

Auto insurance for this segment in Nampa will start around $144 per month, depending on where you live.

The next table ranks the pickups with the cheapest insurance rates in Nampa, starting with the Chevrolet Colorado at $1,732 per year and ending with the Ram Truck at $2,276 per year.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Looking for insurance rates for a different truck? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Nampa car insurance quotes from top companies in Idaho.

Cheapest sports cars to insure in Nampa, Idaho

The Mazda MX-5 Miata ranks in the top spot for the most budget-friendly sports car to insure in Nampa, followed by the Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. The 2024 model averages $1,820 per year for full-coverage auto insurance.

Also ranking in the top 10 are models like the Nissan Z, BMW M2, Lexus RC F, and Subaru BRZ, with average cost of $2,354 per year or less.

Some additional models that made the list include the Porsche 718, Chevrolet Camaro, Chevrolet Corvette, and BMW M3, which average between $2,354 and $3,334 per year for full-coverage insurance in Nampa.

Car insurance for this segment in Nampa starts at around $152 per month, depending on your location and insurance company.

The rate comparison table below ranks the sports cars with the most affordable average car insurance rates in Nampa, starting with the Mazda MX-5 Miata at $152 per month and ending with the Porsche Taycan at $278 per month.

Don’t see rates for your sports car? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Idaho.

How to find cheaper auto insurance

Nampa drivers are always looking to reduce their monthly car insurance expenses, so take a minute to review the tips in this next list and it’s very possible you can save a few bucks on your next policy purchase.

• A good driving record means cheaper rates. To get cheap car insurance in Nampa, it pays to be a conservative driver. In fact, just a few blemishes on your driving record have the potential to increase car insurance rates by as much as $522 per year. Serious moving violations such as DUI/DWI and felony use of a motor vehicle could raise rates by an additional $1,828 or more.
• Compare car insurance quote before buying a car. Different vehicles can have very different insurance premiums, and insurers charge widely varying rates. Get multiple insurance quotes before you buy a different vehicle in order to avoid price shock when you receive your first bill.
• Auto insurance is cheaper with higher deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
• Buy vehicles with more affordable auto insurance rates. The vehicle you choose to drive has a huge impact on the cost of car insurance in Nampa. As an example, a Volvo XC40 costs $986 less per year to insure in Nampa than a Dodge Challenger. Insure cheaper models and save money.
• Shop around for a better deal. Taking a few minutes to get free car insurance quotes could save you more than you think. Rates change quite often and you can switch anytime.