According to our analysis, State Farm is the best car insurance company in Boise. The best provider for you may be different depending on your age and background.
MoneyGeek outlined the top options for young drivers, older drivers, drivers with violations and military drivers to help you select the right company for your needs. MoneyGeek also provides resources for anyone looking for the cheapest car insurance in Boise.
The Best Car Insurance in Boise






Best Car Insurance Companies in Boise: Overall
MoneyGeek ranked companies for the best car insurance based on their average prices, claims ratings and user satisfaction. We found that the top car insurance companies in Boise are the following:
- State Farm: 80 out of 100
- GEICO: 62 out of 100
USAA is not part of this analysis but it received a MoneyGeek score of 100 out of 100. It’s the best car insurance company in Idaho for current and former members of the military.
The Top Car Insurance Companies in Boise

State Farm is the top-ranking company for affordability in Boise. Policies include rideshare insurance, which is only occasionally offered by companies. A policy with State Farm for a 40-year-old driver costs $547 per year.
Common coverages offered by State Farm include roadside assistance and rental car and/or travel reimbursement. In terms of unique coverages, State Farm offers rideshare insurance which covers ridesharing drivers and riders. This means the coverages included in your policy will remain in effect while you’re working. It also applies even when you’re just a passenger using a rideshare service.
Read MoneyGeek's State Farm auto Insurance Review
GEICO received a perfect score for financial stability. Drivers can enjoy unique protections such as accident forgiveness and mechanical breakdown insurance. The average cost of a GEICO car insurance policy for a 40-year-old male is $572 per year.
If you have a new car, mechanical breakdown insurance provides a warranty to cover repairs and replacements for all parts and systems of your car. Having this coverage is cheaper than the average extended warranty offered by your car dealer.
Through the accident forgiveness coverage, customers can avoid increases in their insurance rate after their first at-fault accident. This coverage can be bought or drivers who are older than 21 years old can earn it by avoiding accidents for at least five years.
Read MoneyGeek's GEICO auto Insurance ReviewTo guide drivers who value savings, MoneyGeek looked for the cheapest car insurance companies in Boise. If you want to learn more about car insurance in Idaho, MoneyGeek has the following articles to help you:
Best Cheap Car Insurance for Minimum Coverage in Boise
To find the best cheap companies, MoneyGeek analyzed insurers based on drivers who are exclusively shopping for policies in Boise that only include the minimum car insurance requirements in Idaho.
These are the best companies that offer affordable car insurance in Boise:
- State Farm: 79 out of 100
- GEICO: 66 out of 100
We considered a variety of driver backgrounds, like those of young drivers, older drivers and drivers with violations, to compute the MoneyGeek scores.
MoneyGeek’s Pick: State Farm

pros
A minimum coverage policy costs $284 per year
Offers bundling, defensive driving and new vehicle discounts
Has a MoneyGeek score of 4 out of 5 for claims and user satisfaction
cons
Does not have pay-in-full and paperless discounts
COMPANY HIGHLIGHTS
State Farm offers discounts for bundling insurance policies, insuring multiple cars and safe driving. Customers can save money by pairing their car insurance policy with a home, renters, condo or life insurance policy, insuring two or more vehicles and avoiding violations for three consecutive years while a State Farm customer.
Some unique discounts, such as new vehicle and airbag discounts, are available as well. The new vehicle discount allows you to save money if you own a 1994 car model or later. With the airbag discount, you can pay less for your car insurance just by having factory-installed safety measures in your car.
Best Car Insurance for Young Drivers in Boise
MoneyGeek used profiles of young drivers who are looking for car insurance in Boise as well as a combination of policy coverages and driving histories of 18-year-old drivers. Based on this analysis, the following are the top-ranking car insurance companies for young drivers in Boise:
- State Farm: 87 out of 100
- American Family: 86 out of 100
Car insurance for teens and car insurance for students have higher prices compared to standard car insurance policies. So, it’s better to find the right company that provides useful coverages and discounts at an affordable rate.
MoneyGeek’s Pick: State Farm

pros
A budget-friendly full coverage policy for drivers without a violation is $1,706 per year
Offers good student, distant student and driver’s education discounts
MoneyGeek score of 4 out of 5 for claims and customer satisfaction
cons
Only offers two common coverages: roadside assistance and rental car and/or travel reimbursement
COMPANY HIGHLIGHTS
It can be expensive to add young drivers to your car insurance policy. It’s important to choose a company that offers discounts and affordable premiums while providing good customer service.
State Farm has discounts that are beneficial to young drivers. One of these is the good student discount which allows you to save money on your annual premium when the covered student has a B-grade average, GPA of 3.0 or gets into the top 20% of their class.
For an additional annual cost of $9, your policy can include roadside assistance coverage. If your car breaks down, State Farm roadside assistance covers mechanical labor for up to one hour at the place of its breakdown, towing to the nearest auto repair facility, delivery of gas, oil, battery or change of tire (but not the cost of these items) and locksmith labor for up to one hour.
Best Car Insurance for Senior Drivers in Boise
MoneyGeek reviewed profiles of senior drivers who are looking for car insurance in Boise. We came up with the MoneyGeek score of each company by analyzing different policy coverages and histories of drivers who are 70 years old.
The companies with the highest MoneyGeek scores are the following:
- State Farm: 88 out of 100
- GEICO: 77 out of 100
Compared to insurance for middle-aged drivers, car insurance for seniors is a bit more expensive. Nevertheless, some companies have budget-friendly policies that still include the coverages and discounts you need.
MoneyGeek’s Pick: State Farm

pros
For a safe driver, the average cost of a full coverage policy is $541 per year
Offers defensive driving discounts
Has MoneyGeek claims and customer satisfaction ratings of 4 out of 5
cons
Does not offer senior driver discount
Does not offer unique coverages
COMPANY HIGHLIGHTS
There is no distinction between senior car insurance and regular car insurance, yet some companies have more expensive prices for senior drivers. State Farm is an affordable option that includes some benefits in its policies.
Senior drivers can get a discount on their State Farm policy when they complete a defensive driving course. However, State Farm only offers two common coverages, namely roadside assistance and rental car and/or travel reimbursement. Aside from these, this company does not have rare coverages.
Best Car Insurance With a Driving Violation in Boise
MoneyGeek used the driver profiles of people with a recorded at-fault accident in Boise as the basis of the companies’ MoneyGeek scores. We also took into consideration various policy coverages and the ages of drivers in Boise. Based on these scores, the following are the top-rated insurance companies in Boise for drivers with violations:
- State Farm: 89 out of 100
- American Family: 76 out of 100
Insurance companies tend to view drivers with violations as high-risk drivers. As a result, car insurance for drivers with bad records is more expensive than that of a driver with a clean record.
MoneyGeek’s Pick: State Farm

pros
A 40-year-old driver with a recorded accident can get a full coverage policy for $651 per year
Offers seven common discounts
Received a MoneyGeek score of 4 out of 5 for claims and customer satisfaction
cons
Does not offer unique coverages
Does not have better car replacement and new car replacement coverages
COMPANY HIGHLIGHTS
Since car insurance for drivers with violations costs more, it’s best to look for a company that offers discounts and affordable premiums so you can save money. For instance, State Farm offers seven common discounts and one rare discount for a new vehicle.
The common discounts include airbag and anti-theft system discounts. If you have these factory-installed safety measures in your car, you’ll receive a policy at a reduced rate.
State Farm does not have new car replacement or better car replacement coverages. Your policy may not be able to cover your car when it gets totaled because of an accident.
Best Car Insurance With a Military Background in Boise
MoneyGeek found that USAA has consistently scored well in affordability and customer service for members of the military and veterans. However, USAA only offers car insurance for military members, specifically active military members, veterans and their family members.
Based on our analysis, USAA received a MoneyGeek score of 100 out of 100. This score is based on a variety of driver backgrounds, including young drivers, senior drivers and drivers with violations. We also factored in different coverage levels to calculate the MoneyGeek score.
MoneyGeek’s Pick: USAA

pros
An affordable full coverage policy for a 40-year-old driver costs $358 per year
Offers five of the most common discounts, including safe driving
Has a perfect MoneyGeek score for claims and user satisfaction
cons
Only has three common coverages — missing gap insurance
Available for military members and veterans only
COMPANY HIGHLIGHTS
Members of the military can get affordable car insurance and great customer service from USAA. The insurer also offers numerous saving opportunities as it offers five of the most common discounts.
In addition to coverages, policies with USAA include other rare discounts like military and legacy discounts. Through the legacy discount, you can save money if you are purchasing your own policy after previously being covered by your parents’ USAA policy.
USAA offers three common coverages: roadside assistance, rental car and/or travel reimbursement and accident forgiveness. These will cover your expenses for unexpected car breakdowns on the road, car rentals during the repair of your car after a covered loss and the elimination of the surcharge on your policy after your first at-fault accident.
Methodology
MoneyGeek scores are calculated using data from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). The best car insurance companies in Boise were ranked based on our calculated MoneyGeek score. Our research was also based on data from Boise, Idaho, and a specific profile of a driver in Boise.
To calculate the MoneyGeek scores of car insurance companies in Boise, Idaho, MoneyGeek utilized the following weighted factors:
- Affordability (70%): A company's affordability score is determined by a mix of several driver profiles, including age, driving histories and coverage levels.
- Satisfaction and claims (20%): Satisfaction and claims each make up 10% of the overall weighting for this factor. MoneyGeek used data from J.D. Power's customer satisfaction and claims satisfaction surveys.
- Stability (10%): MoneyGeek used ratings from AM Best to calculate each company's financial stability score. The company's financial stability indicates its capacity to satisfy its obligations when a customer files a claim.
The MoneyGeek score scales up to 100 points. For each factor, a company can score a maximum of five points. As appropriate, different driver profiles were used for certain categories.
MoneyGeek’s car insurance methodology generally uses a full coverage policy as a basis for the average costs of a premium. These are the limits of a full coverage policy:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability.
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
