In Boise, the cheapest company for full coverage or minimum coverage auto insurance as well as for drivers with tickets is State Farm. However, rates can vary based on driver profiles and coverage amounts. Overall, using MoneyGeek’s ratings, Hartford ranks as the best insurer as it balances affordability with quality service.
The Cheapest and Best Car Insurance in Boise
The Cheapest Car Insurance Companies in Boise
For the average Boise driver with a full coverage policy, the cheapest companies are:
- State Farm: $547 per year
- GEICO: $572 per year
USAA rates are the cheapest in the state at an average of $358 per year. However, it was not included in the rankings since it is limited to military members.
Progressive’s rates are the most expensive, with policies that cost an average cost of $886 per year.
Aside from liability insurance, a full coverage policy includes collision and comprehensive insurance.
Cheapest Car Insurance in Boise
- Company100/300/100per year
- 1.$358
- 2.$547
- 3.$572
- 4.$727
- 5.$737
For this study, as stated in our methodology, MoneyGeek used average rates for a sample driver profile. The sample driver is a 40-year-old male driver with a full coverage policy.
A full coverage policy provides drivers with the best protection available. This type of coverage level is more expensive than the state minimum because it provides these additional coverages:
- Collision Insurance: Covers any type of damages as a result of a collision is paid for by this coverage.
- Comprehensive Insurance: Covers any type of damages that are not collision-based, such as theft, vandalism, natural disasters, riots, etc., will be covered by this insurance.
A full coverage policy is not the best choice all the time, especially for older cars in which the cost of premiums is more than the car is worth. That said, a state minimum policy may already be able to provide sufficient protection.
Compare Car Insurance Rates in Boise
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Boise for Minimum Coverage
Auto insurance premiums in Boise and elsewhere vary based on the amount of coverage the policyholder buys. For example, Boise drivers with a state minimum liability-only policy pay an average of $424 annually. That is $321 less than the average cost of a full coverage policy with higher liability limits, which is $745 per year.
Cheapest Minimum Liability Car Insurance in Boise
- CompanyState Minimumper year
- 1.$182
- 2.$284
- 3.$293
- 4.$363
- 5.$432
A state minimum policy offers the cheapest premiums but the least protection. While you could save on a monthly basis by paying the lowest premiums, you could be risking your hard-earned money in the long run. Say if you injure someone as a result of an accident and their medical bills are $35,000. If you have the minimum coverage of $25,000, you will pay $10,000 out of pocket to cover the difference.
Idaho Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Boise if You Have Driving Violations
A driving violation will cause your car insurance rates to go up. On average, these are the cheapest insurers for certain violations in Boise:
- Cheapest after a ticket: State Farm, $599 per year
- Cheapest after an at-fault accident: State Farm, $651 per year
- Cheapest after a DUI: State Farm, $599 per year
On average, USAA is the cheapest for drivers with speeding tickets and accidents. However, these policies are only available to military families. It makes sense to buy from companies like State Farm that offer the cheapest rates after a violation. Drivers in Boise could still lower their rates if they manage to show an improvement in their driving behaviors over time.
Cheapest Car Insurance in Boise With a Violation
- CompanySpeeding Ticketper year
- 1.$442
- 2.$599
- 3.$667
- 4.$759
- 5.$877
Average Cost of Car Insurance in Boise
At $745 per year, the average car insurance rate in Boise is equal to the statewide average premium. With the national average at $1,424, car insurance in Boise is around 47.7% cheaper. Keep this in mind as you look for the best plan for your requirements.
Personalized Quotes to Get You the Cheapest Car Insurance in Boise
When you compare options for the best car insurance in Boise, take note that each quote relies on a number of factors. Your ZIP code, age, gender, marital status, credit score, make and model of vehicle, driving record and more are all considered by insurers. This is why you need to get personalized quotes from several different companies on a regular basis to determine whether you’re eligible for any discounts or rebates.
Compare Car Insurance Rates in Boise
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Car Insurance Companies in Boise
If you are a Boise driver looking for an insurer that balances affordability with quality service, MoneyGeek ranked the best options in the city. MoneyGeek’s study found that the top companies in Boise for most drivers are:
- Hartford: MoneyGeek score of 93 out of 100
- GEICO: MoneyGeek score of 85 out of 100
USAA received the highest score in Boise according to MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
The final scores are based on MoneyGeek’s scoring system, which includes J.D. Power user satisfaction, affordability and financial stability ratings, among other criteria.









Average Cost of Car Insurance by Postal Code
Your location in Boise can affect your car insurance rate. But unlike some other cities, where the difference reaches hundreds of dollars based on which neighborhood you live in, the difference in premium costs between ZIP codes in Boise only varies by about $10.
- Zip CodeState Minimumper year
- 83704$740
- 83709$750
Factors That Impact Insurance Costs in Boise
In addition to individual driver needs and history, location-specific factors like the rate of car thefts and the percentage of uninsured motorists also contribute to car insurance rates in Boise. How Boise ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
