Getting car insurance is not as simple as selecting a product from the shelf. A lot of factors, like your location, often come into play. To get the best car insurance in Boise, you should get a personalized quote for your specific situation. By comparing average rates with custom quotes, you can find the right policy for your needs.
Compare the Cheapest Car Insurance Quotes in Boise, ID
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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.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Cheap Car Insurance Companies in Boise
The average car insurance rates in Boise are much more affordable than the rates many Americans pay, and you can find great deals if you know where to look. For example, at $547, State Farm’s average rate is the lowest widely available premium in the city, and it's 61.9% cheaper than the average annual premium from Progressive, the most expensive insurer in Boise.
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- CompanyAmountper year
- 1. USAA$358
- 2. State Farm$547
- 3. GEICO$572
- 4. Farmers$727
- $737
- 6. Allstate$769
- 7. Travelers$791
- 8. MetLife$832
- 9. Allied$846
- 10. Progressive$886
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.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Boise by Coverage Amount
How much car insurance coverage you purchase in Boise also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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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 by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$182$199
- 2. State Farm$284$337
- 3. GEICO$293$340
- 4. Farmers$432$470
- 5. Allstate$447$484
- 6. Progressive$363$399
- 7. Travelers$471$521
- $558$589
- 9. Allied$460$533
- 10. MetLife$509$560
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$336$358
- 2. State Farm$491$547
- 3. GEICO$517$572
- 4. Farmers$678$727
- 5. Allstate$722$769
- 6. Progressive$779$886
- 7. Travelers$740$791
- $725$737
- 9. Allied$863$846
- 10. MetLife$872$832
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Boise if You Have Tickets
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. USAA$442$520$711
- 2. State Farm$599$651$599
- $759$759$759
- 4. Farmers$900$1,075$1,001
- 5. Allstate$877$1,055$1,004
- 6. MetLife$923$1,170$923
- 7. GEICO$667$982$1,828
- 8. Travelers$1,069$1,120$1,243
- 9. Progressive$1,078$1,417$1,078
- 10. Allied$981$1,242$1,861
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 Agents Offering Affordable Car Insurance in Boise
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.
Shopping around for car insurance in Boise could save you $198, which is enough to buy:
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.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

About the Author
The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.