Boise drivers spend an average of $745 per year on auto insurance, equal to the state average. State Farm, with an average rate of $547, is the cheapest widely available insurer. MoneyGeek’s study also identified the most affordable companies by coverage amount and driving history. To help drivers focused on both quality and cost, MoneyGeek ranked the best companies in the city.
bestauto insuranceBoise2021The 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:
- USAA: $358 per year (only available to current and former military members)
- State Farm: $547 per year
For this study, MoneyGeek used average rates for a sample driver profile — a 40-year-old male driver with a full coverage policy, including liability insurance and comprehensive and collision insurance.
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- CompanyAmountper year
- 1.$358
- 2.$547
- 3.$572
- 4.$727
- 5.$737
Average Cost of Car Insurance in Boise
Boise$745
Idaho$745
U.S.$1,424
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.
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 by 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’s user satisfaction, affordability and financial stability ratings, among other criteria.
1
USAA
Score:100
2
Hartford
Score:93
3
GEICO
Score:85
4
Allstate
Score:83
5
American Family
Score:80
6
State Farm
Score:80
7
Farmers
Score:80
8
Progressive
Score:80
9
Safeco
Score:78
10
Liberty Mutual
Score:78
11
Nationwide
Score:75
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.
Shopping around for car insurance in Boise could save you $198, which is enough to buy:
66Cups of Coffee
15Months of Your Favorite Streaming Service
Cheapest Car Insurance in Boise by Coverage Amount
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.
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.
You may encounter numbers such as 50/100/50 when you’re looking at policy quotes. But what do these numbers mean? In 50/100/50, the first number refers to the coverage ($50,000) of medical expenses per individual, while the middle number is the cap ($100,000) per vehicle. The last number is for property damage up to $50,000.
Remember that only full-coverage plans can cover your own expenses, while liability-only policies only cover the other driver(s). The difference between 50/100/50 liability-only and full-coverage premiums is around $154 with State Farm.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$182$199
- 2.$284$337
- 3.$293$340
- 4.$432$470
- 5.$447$484
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$336$358
- 2.$491$547
- 3.$517$572
- 4.$678$727
- 5.$722$769
Cheapest Car Insurance in Boise if You Have Driving Violations
Having a clean driving record definitely works to your advantage when looking for cheap car insurance in Boise. A speeding ticket, for example, adds an average of $109 to an Allstate premium compared to a driver with a clean record. A DUI violation, meanwhile, will increase your costs by roughly $236 per year with Allstate.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$442$520$711
- 2.$599$651$599
- 3.$759$759$759
- 4.$900$1,075$1,001
- 5.$877$1,055$1,004
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
top ratedCar Insurance agentsBoise2021Top Agents Offering Affordable Car Insurance in Boise
1. Ian Johnson - State Farm Insurance Agent8030 W Emerald St, Ste 170, Boise, ID, 83704
2. Dwayne Ellis - American Family Insurance7950 Horseshoe Bend Rd, Ste 101, Boise, ID, 83714
3. Kathleen Rankin - State Farm Insurance Agent6900 Overland Rd, Boise, ID, 83709
4. Butler Insurance Services Incorporated-Nationwide Insurance9504 Fairview Ave, Boise, ID, 83704
5. Allstate Insurance Agent : Eric Jeglum894 E Boise Ave, Boise, ID, 83706
Insurance Providers That Serve Boise
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.
Methodology and Assumptions
MoneyGeek’s average premium rates for Boise are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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