Cheapest Car Insurance in Boise, ID (2025)

Boise drivers pay an average of $528 per year for minimum coverage and $1,020 per year for full coverage. Boise recorded the highest number of vehicle crashes in Idaho in 2020, contributing to increased insurance costs. Comparison shopping gets you the lowest rates.

• Cheapest minimum liability coverage: American National offers Boise's most affordable minimum coverage at $309 per year ($26 monthly). That's 41% lower than the city average of $528, saving you $219 annually. State Farm ranks second for minimum coverage at $323 per year ($27 monthly), a 38% savings compared to the city average.
• Cheapest full coverage: GEICO provides the lowest full coverage at $643 per year ($54 monthly), 37% below the city average of $1,020. That's $377 in annual savings. American National's full coverage costs $686 per year ($57 monthly), still 33% below the city average but $43 more than GEICO annually.

Young drivers in Boise have the highest car insurance rates, while adults and seniors enjoy more affordable options. Here are the most affordable car insurance companies in Boise by age group:

• Adults: American National at $26 and State Farm at $27 monthly
• Seniors: State Farm at $35 and GEICO at $38 monthly
• Young drivers: American National at $65 and State Farm at $67 monthly

State Farm helps young drivers reduce costs through their Steer Clear program, where drivers under 25 complete safe driving courses for discounts. American National offers seniors its Defensive Driver Discount, allowing drivers over 50 to complete classes and earn up to 10% premium reductions.

You can find cheaper coverage in Boise with the insurers that have the lowest rate penalty for your violation. Here are your cheapest car insurance options in Boise by violation type:

• Accident: State Farm at $32 and American National at $36 monthly
• Ticket: State Farm at $29 and American National at $31 monthly
• DUI: State Farm at $29 and American National at $42 monthly

Minor violations in Boise stay on your record for three years, while DUIs remain for five years.

Car insurance costs in Boise change depending on your neighborhood. ZIP code 83705 offers the most affordable full coverage at $84 monthly, while 83709 costs slightly more at $85 monthly. The difference between these areas is minimal but still impacts your budget.

Auto-Owners scored 93 out of 100 on MoneyGeek's rating scale, making it the top car insurance company in Boise. State Farm follows closely with 89 out of 100.

We evaluated factors like agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to assess how well insurers handle claims and support policyholders.

State Farm excels in affordability while offering comprehensive coverage options. Auto-Owners leads in customer service and claims satisfaction.

See below for why each insurer is best and which fits your needs.

Boise residents have steep auto insurance costs compared to other Idaho cities. Shop around, secure affordable rates and select appropriate coverage:

Our insurance experts answer common questions about finding affordable coverage in Idaho's capital:

We analyzed hundreds of thousands of quotes from major insurers using data from the Idaho Department of Insurance and Quadrant Information Services. Our research covered all Boise ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. 

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Idaho's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing animal collision claims or handling traffic accident disputes.

Coverage options (10%): More choices mean better odds of matching coverage to Boise risks like animal collisions, uninsured motorists and theft protection in higher-density areas.