BestCar InsuranceBoiseBest Car Insurance Companies in Boise, ID
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Your individual profile and needs will impact which auto insurance company is best for you. American National P&C offers the best car insurance overall, for seniors, young adults, customer service and drivers with offenses. Auto-Owners Insurance is the best provider for teen drivers, while Travelers offers the best car insurance for those with new cars.
For those looking for affordable rates, MoneyGeek also analyzed the cheapest car insurance in Boise.
BestCar InsuranceBoiseTable of Contents (Jump to Your Best Fit)
Best Overall - American National Insurance Company
Best for Customer Service - State Farm
Best Cheap - American National Insurance Company
Best for Young Adults - American National Insurance Company
Best for Teens - Auto-Owners and American National
Best for Seniors - American National Insurance Company
Best for Driving Offenses - American National Insurance Company
Best for New Cars - Travelers
Best Overall Car Insurance in Boise
The best car insurance companies in Boise include:
- American National P&C: MoneyGeek score 83 out of 100 ($299 per year)
- Auto-Owners Insurance Co: MoneyGeek score 78 out of 100 ($429 per year)
American National P&C scored well for affordability and service, two critical factors for earning the top spot as the best overall insurer. USAA also emerged among the top auto insurers in Boise, with an overall MoneyGeek score of 82 out of 100.
American National P&C also offers the best car insurance in Idaho, with a MoneyGeek score of 93 out of 100.
How was this MoneyGeek score calculated?
pros
Excellent satisfaction score
Ranked first in affordability
Offers spare parts, gap and other essential coverages
cons
Average claims management score
Doesn’t offer accident forgiveness
COMPANY HIGHLIGHTS
American National P&C is the best overall auto insurer in Boise, offering policyholders affordability and good customer service. This provider also offers a broad set of optional coverages to choose from. If you want to cover the spare parts in your vehicle, American National P&C offers spare parts coverage of up to $1,000 in case of loss or damage. You can also opt for gap insurance which can be useful if you are leasing or financing your car. With gap insurance, your policy will cover the difference between what is owed on the car and the value of the car at the time of an accident. American National P&C also offers essential coverages. These include roadside assistance, which covers the cost of services like towing or mechanical labor and rental car or travel reimbursement, which covers travel expenses incurred while your car is undergoing repairs.
How the Best Insurers in Boise Rank: MoneyGeek Scores and Costs
MoneyGeek analyzed 11 insurers in Boise and found that American National P&C offers the best car insurance in the city. Compared to other providers, American National P&C has the cheapest rates and the second-best customer service ranking, making it a clear number one.
The runner-up, Auto-Owners Insurance Co, scored better for claims and financial stability.
We only ranked insurers that had enough data for all the individual scoring components and used rates for a full coverage policy.
Best Car Insurance in Boise for Customer Service
Without factoring in cost, the best auto insurance companies for customer service in Boise are:
- American National P&C: MoneyGeek score 67 out of 100 ($299 per year)
- Auto-Owners Insurance Co: MoneyGeek score 66 out of 100 ($429 per year)
American National P&C scored well for satisfaction and coverage options. It is also the cheapest option we analyzed, so policyholders do not have to pay a high price for excellent customer service.
How was this MoneyGeek score calculated?
pros
Great customer service score
Good coverage score
Offers gap insurance and spare parts coverage
cons
Below-average claims management score
No deductible modification
COMPANY HIGHLIGHTS
American National P&C is the best option for car insurance in Boise if you value good service. This insurer ranked second in customer satisfaction and coverage options out of the 11 companies analyzed.
This insurer offers spare parts coverage as an optional add-on, which will pay for the cost of replacing lost or damaged spare parts up to $1,000. You can also opt for gap insurance, which pays for the difference between the actual value of the car and the amount owed on the car loan in case of a total loss. Beyond that, owners of classic or antique cars can take advantage of coverage.
With American National P&C, the annual premiums are among the most affordable in the city, ensuring you get excellent service at a great rate.
What Makes an Insurer Best for Customer Service?
An insurer with good customer service will respond to customers promptly. This means that you can expect to get quick assistance when you need it most.
American National P&C emerged at the top in this category based on its high scores in customer service and coverages. Compared to Auto-Owners Insurance Co, the runner-up, American National has a better customer service rating.
Best Cheap Car Insurance in Boise
Based on affordability and service quality for policies that meet Idaho’s minimum coverage requirements, the best cheap car insurance companies in Boise are:
- American National P&C: MoneyGeek score 83 out of 100 ($142 per year)
- Auto-Owners Insurance Co: MoneyGeek score 82 out of 100 ($181 per year)
The cheapest minimum coverage policies in Boise offer the lowest rates. The trade-off is that you get limited liability protection, and damages to your own car are not covered.
Requirements for minimum coverage car insurance in Idaho are the same across all cities in the state.
How was this MoneyGeek score calculated?
pros
Most affordable minimum coverage at $142 per year
Bundling, multiple car and early signing discounts
Ranked highly for customer satisfaction
cons
No pay-in-full or paperless discounts
Below-average claims score
COMPANY HIGHLIGHTS
If you are looking for the best cheap car insurance in Boise, American National P&C is the best provider. This insurer ranked first in affordability and second in customer satisfaction, which means policyholders get a balance of service quality and cost.
While American National P&C rates are the cheapest in the city, you can save even more by taking advantage of the discounts offered. You will be eligible for a discount if you bundle your car insurance policy with a home insurance or life insurance policy. You will also qualify for a discount if you insure more than one car.
American National P&C even offers a discount for early signing. This means that if you apply for a new policy before the expiration of your current one, you are eligible for discounted rates.
What Makes an Insurer the Best Cheap Option?
The best cheap car insurer is one that offers cheap rates and good service. In some cases, there is a trade-off, but you can still get cheap rates without compromising on the quality of service.
American National P&C won this category based on its affordability and high score in customer service from J.D. Power. Although the runner-up, Auto-Owners Insurance, also scored well, American National P&C ranked better in both affordability and customer satisfaction.
Best Car Insurance in Boise for Young Adults
The best companies for car insurance for young adults in Boise include:
- American National P&C: MoneyGeek score 83 out of 100 ($381 per year)
- Auto-Owners Insurance Co: MoneyGeek score 78 out of 100 ($587 per year)
American National P&C ranked first in affordability and second in customer satisfaction. This means that young drivers can get a balance of cheap rates and good service from this insurer.
How was this MoneyGeek score calculated?
pros
Most affordable policy at $381 per year
Ranks second for customer satisfaction
Offers roadside assistance
cons
Doesn’t offer good student or distant driving discounts
Below-average claims rating
COMPANY HIGHLIGHTS
American National P&C is the best provider for young drivers in Boise looking for a balance of affordability and good service. This insurer ranked first for affordability and second for customer satisfaction compared to other insurers we evaluated in the city.
American National P&C has no discounts specifically tailored for young drivers, but there are still opportunities to save on costs with some common discounts. If you bundle your car insurance with a home or life insurance policy, you will be eligible for a discount. You will also get a discount if you insure multiple cars.
American National P&C offers various optional coverages, including roadside assistance and rental car or travel reimbursement. These can come in handy if you need emergency services like towing, gas delivery or mechanical labor.
What Makes an Insurer Best for Young Adults?
A good insurer for young drivers offers affordable rates and also has a strong service experience.
American National P&C has the most affordable rates in Boise for young adults and is among the top two providers of good customer service in the city. Compared to the runner-up, Auto-Owners Insurance Co, American National P&C has a lower claims score and stability score.
Best Car Insurance in Boise for Teens and Their Families
The best car insurance companies in Boise for teens on a family policy are:
- Auto-Owners Insurance Co: MoneyGeek score 79 out of 100 ($1,514 per year)
- State Farm: MoneyGeek score 76 out of 100 ($1,322 per year)
Auto-Owners Insurance ranked well for coverages and affordability, which means teens can get adequate protection at affordable rates.
When shopping for the best car insurance for teens, you can save on premiums by opting for a family policy. A teen car insurance policy in Boise costs $2,414 more annually compared to the cost of a family policy.
How was this MoneyGeek score calculated?
pros
Affordable policy at $1,514 per year
Ranked first in claims management
Offers good student and distant student discounts
cons
Doesn’t offer driver’s education discounts
Lower claims management score
COMPANY HIGHLIGHTS
Auto-Owners Insurance Co offers teen drivers in Boise the best balance of cost and coverage. This provider ranked highly for both coverage options and affordability.
Teen drivers can make their premiums even more affordable by taking advantage of common discounts offered by Auto-Owners Insurance Co. This includes a good student discount, which rewards students who maintain a good academic record. Students who study 100 miles or more away from home also qualify for discounted rates.
Auto-Owners Insurance Co has various coverages that can ensure the safety of teen drivers. These include roadside assistance, which covers emergency services like towing, gas delivery or mechanical labor if your car breaks down. Rental car or travel reimbursement coverage is also available, which will help to pay for travel expenses when your car is undergoing repairs.
What Makes an Insurer Best for Teens?
A good insurer for teen drivers will offer affordable rates since teen car insurance premiums can be quite high. They will also have a good service record and offer coverages and discounts that cater to younger drivers.
Auto-Owners Insurance Co emerged as the best option in this category based on its affordability and coverage options. Compared to State Farm, the runner-up, Auto-Owners Insurance Co, has a better claims rating.
Best Car Insurance in Boise for Seniors
The companies with the best car insurance for seniors in Boise include:
- American National P&C: MoneyGeek score 83 out of 100 ($311 per year)
- Auto-Owners Insurance Co: MoneyGeek score 78 out of 100 ($429 per year)
American National P&C highly for affordability and satisfaction, indicating that policyholders get a balance of cost and service quality.
Drivers in their 60s and those in their 30s through 50s pay similar rates for car insurance. However, those above age 70 typically see their premiums increase. You can get the best rates for seniors by comparing quotes.
How was this MoneyGeek score calculated?
pros
Most affordable policy at $311 per year
Great customer satisfaction score
Offers spare parts coverage
cons
Below-average claims score
Missing many common coverages and discounts
COMPANY HIGHLIGHTS
American National P&C offers the best mix of affordable rates and good service for senior drivers in Boise. This provider ranked for affordability and emerged second in customer service.
Seniors can get essential coverages from American National P&C, like roadside assistance and rental car or travel reimbursement coverage. With roadside assistance, your policy will cover the cost of emergency services such as gas delivery, tire change or mechanical labor if your car breaks down. Opting for the rental car or travel reimbursement coverage will ensure that your policy covers the cost of travel expenses incurred while your car is undergoing repairs.
While this insurer offers affordable premiums, the options to save more money are limited, and it has no discounts specifically for seniors.
What Makes an Insurer Best for Seniors?
The best car insurance company for senior drivers offers coverages that are tailored to suit seniors who are more susceptible to injuries in a crash. This can include medical payments coverage or personal injury protection (PIP). They may also offer discounts for seniors.
American National P&C ranked first in this category based on its strong service record and affordable rates. It offers cheaper rates compared to Auto-Owners Insurance Co.
Best Car Insurance in Boise for Drivers With Offenses
The companies with the best car insurance for a poor driving record in Boise are:
- American National P&C: MoneyGeek score 82 out of 100 ($485 per year)
- American Family: MoneyGeek score 77 out of 100 ($604 per year)
American National P&C ranked second in customer satisfaction and affordability, so policyholders can expect a balance of good service and cheap rates.
Boise drivers with severe offenses pay higher rates for car insurance. Compared to rates for a clean record, drivers with a DUI pay $409 more for car insurance. Those with a ticket only pay $103 more.
How was this MoneyGeek score calculated?
pros
Affordable policy at $485 per year
Ranked highly in customer satisfaction
Offers roadside assistance
cons
Below-average claims rating
Doesn’t offer accident forgiveness
COMPANY HIGHLIGHTS
American National P&C is the best car insurance provider in Boise for drivers with violations. This insurer ranked second in affordability and customer service, so policyholders can expect fair rates and good service.
American National P&C offers essential coverages, including roadside assistance. You can also opt for rental car or travel reimbursement coverage. If your car is on loan or lease, gap insurance can be a useful add-on. This coverage will cover the difference between how much you owe and the actual value of the car in case it gets totaled.
Keep in mind that American National P&C’s coverage options and discount opportunities are limited. It also has a lower financial stability and claims score, which might be deterrents for you if you want to know that your claims will be paid efficiently.
What Makes an Insurer Best for Drivers With Offenses?
An insurer with good policies for drivers with offenses will offer affordable rates and multiple discount options since rates for violations can be quite costly. They will also have a good service track record.
American National P&C offers a mix of affordability and good service, making them the winner in this category. Compared to American Family, the runner-up, American National P&C’s rates are cheaper, and they have a better customer service record.
Best Car Insurance in Boise for Drivers With New Cars
The best auto insurance companies in Boise for drivers with new cars are:
- Travelers: MoneyGeek score 76 out of 100 ($742 per year)
- Farmers: MoneyGeek score 54 out of 100 ($990 per year)
Travelers scored the highest in affordability and coverages. We ranked insurers based on affordability and service for drivers with a 2022 model car. Only companies that offer new or better car replacement coverages were ranked.
New car replacement coverage ensures that in case of a total loss, your policy will reimburse you with a new car of the same make and model.
How was this MoneyGeek score calculated?
pros
Affordable policy at $742 per year
Offers new car replacement
High score in coverages
cons
Does not offer deductible modification
Lower score in customer satisfaction
COMPANY HIGHLIGHTS
If you have a new car, Travelers is the best option for car insurance in Boise. Travelers ranked first in affordability and offers policyholders a broad set of coverage options.
You can protect your investment if you have a new car by opting for Travelers’ new car replacement coverage. With this add-on, your policy will pay to replace your car with a brand-new car of the same make and model in case of a total loss. This policy is available to drivers with new cars that are less than five years old.
Travelers also offers gap insurance. This coverage is a good add-on if you are leasing or financing your car since it will cover the difference between what you owe and the actual value of the car in case your vehicle gets totaled.
What Makes an Insurer Best for Drivers With New Cars?
Insurers with good policies for drivers with new cars will offer new or better car replacement coverage to protect your investment. They will also offer affordable rates and have a strong service record.
Travelers ranked first in this category due to its affordable rates and high score in customer satisfaction. Compared to Allstate, Travelers offers cheaper rates and has a better service record.
How to Find the Best Car Insurance in Boise for You
When shopping for the best car insurance in Boise, balancing cost, service reputation and financial stability will help you find the best provider. We collected these data points for you, but you can also do your own research by following these steps.
1
Research customer service reputations in Boise
We obtained customer service data for insurers in Boise, but you can also look up J.D. Power scores and NAIC complaint ratios in Boise for your preferred provider. You can also get useful resources from the Idaho Department of Insurance because customer service data is collected on a state level.
2
Compare quotes
Our quotes are averages for sample drivers in Boise. Actual rates might vary based on individual factors like your driving record. To get the best rates for your profile, we recommend comparing quotes from at least three providers to get an accurate indication of how much you should pay for car insurance.
3
Find the coverages you want in Boise
Some companies may offer certain coverages only in some locations. Always check with your preferred provider to see what coverages and discounts are available in your area. This will ensure that you find a policy with coverages that suit your needs.
4
Check financial stability ratings
A strong financial stability rating is a good indicator of whether an insurer can handle its financial obligations. Check financial stability scores before choosing a provider but keep in mind that regional companies may have lower ratings compared to large insurance companies.
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FAQs About the Best Car Insurance in Boise
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