Car Insurance in Nampa, ID

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Getting to Know Nampa, Idaho

With a population of just over 100,000 residents, Nampa is the third-largest Idaho city and the largest in Canyon County. It's conveniently located 20 miles from Boise and serves as the cultural center of this expansive, fast-growing metro area. You'll find so much to explore if you live or work in the Nampa area, from the weekly farmer's market to the annual Festival of the Arts. The city also has 27 parks and its own civic center.

Driving Your Car in Nampa

Nampa provides direct access to state routes 45 and 55 and features four exits of I-84. The city also has a Greyhound bus station, a municipal airport, public buses and a regional rail. According to Sperling's Best Places, nearly 80% of residents commute to work or school in their own vehicles. An additional 11.6% carpool with friends or coworkers, while others work from home or rely on public transit.

The average commute time in Nampa is slightly less than the national average. Most people drive just under 24 minutes to work, compared to about 26.4 minutes across the U.S. The city's convenient location in the Boise metro makes it fast and easy to get around town.

Possible Issues for Nampa Drivers

Idaho had more auto accident fatalities in the first three quarters of 2023 than in all of 2022. KMVT 11 reported that about a third of the 222 deceased individuals were not wearing seatbelts at the time of the accident. Speed was also involved in many of these accidents, which tend to occur when a single vehicle leaves the roadway. Drivers should be vigilant about the rules of the road to avoid dangerous incidents.

Nampa also has an elevated rate of auto theft compared to the state average, about 146.2 incidents per 100,000 residents each year. In comparison, the annual Idaho car theft rate is just 87.9 as reported by Sperling's Best Places. Comprehensive car insurance in Nampa, ID, pays to replace your vehicle after a theft or non-collision event. You can find affordable rates on a full-coverage policy by shopping with VIU by HUB.

Average Nampa Auto Insurance Rates

According to Bankrate, Nampa drivers pay just $1,119 per year for full coverage, compared to a much higher national annual premium of $2,014 on average.Even with these affordable rates, some factors can increase the cost of coverage.

Auto policies tend to be more expensive for young drivers and people who have filed accident claims in the past. Your exact geographic location also influences the amount you pay for car insurance. For example, you may get higher prices than another Nampa resident if you live in a neighborhood with a higher rate of claims. With VIU by HUB, you can compare personalized quotes from multiple providers to find the best prices in minutes.

Car Insurance Requirements in Idaho

Idaho requires drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability, as well as $15,000 per accident in property damage liability. If you have an at-fault accident, liability insurance pays for the other party's medical bills as well as your legal expenses. You may want to purchase additional coverage to avoid paying out-of-pocket for costs that exceed your policy limits.

Shop online for car insurance in Nampa, ID, with VIU by HUB. Our smart quote tool gives you real rates from multiple providers so you can compare.

This information is intended for general informational purposes only and is not intended to constitute legal advice.



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