Alliance Insurance Inc
9907 Bennett Rd, Nampa, ID 83686
View this agency's profile to learn more about their services.
Loading...
City directory
Nampa households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
9907 Bennett Rd, Nampa, ID 83686
View this agency's profile to learn more about their services.
1112 5th St S, Nampa, ID 83651
View this agency's profile to learn more about their services.
312 12th Ave Rd, Nampa, ID 83686
View this agency's profile to learn more about their services.
17 12th Ave S, Ste 200, Nampa, ID 83651
View this agency's profile to learn more about their services.
2241 S Preakness Way, Nampa, ID 83686
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Nampa residents.
Idaho requires all drivers, including those in Nampa, to carry minimum liability coverage of 25/50/15. This means $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage. You must also carry proof of insurance at all times and maintain coverage for at least two consecutive months to keep your registration valid.
Full coverage auto insurance in Nampa averages around $1,400 per year, which is slightly below the Idaho state average and significantly less than the national average. State minimum coverage costs approximately $435 annually, while liability-only coverage with higher limits runs about $540 per year. Rates vary based on age, driving record, vehicle type, and chosen coverage limits.
No, Idaho is a traditional at-fault state, meaning the driver who causes an accident is responsible for all resulting damages and injuries. Their insurance pays first, and if coverage limits are exceeded, the at-fault driver becomes personally liable for remaining costs. This makes carrying adequate liability coverage particularly important for Idaho drivers.
While not legally required, uninsured motorist (UM) coverage is highly recommended in Idaho. Insurance companies must offer it, and you must sign a waiver to decline. UM coverage protects you when hit by an uninsured or hit-and-run driver, while underinsured motorist (UIM) coverage helps when the at-fault driver doesn't have enough insurance to cover your damages.
State minimum coverage meets legal requirements but rarely provides adequate protection for serious accidents. A single emergency room visit can exceed $25,000, and repairing a newer vehicle often costs more than the $15,000 property damage limit. Insurance experts recommend higher liability limits, especially given Nampa's busy roads and I-84 traffic.
Driving without insurance in Idaho carries serious penalties including fines, license suspension, and potential vehicle impoundment. Since 2020, you must provide proof of two consecutive months of coverage to maintain vehicle registration. If caught driving uninsured, you'll face administrative fees and higher insurance rates once you reinstate coverage.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network