Cheapest Car Insurance Companies in Boise, ID (2023 Rates)

The cheapest car insurance company may depend on your profile. American National is the cheapest provider for young adults, military drivers and those with speeding tickets or accidents on their record. State Farm is the cheapest company for teens and those with a DUI, while Nationwide is the cheapest for drivers with poor credit.

Moneygeek also analyzed the best car insurance in Boise to help you find the best balance of affordability and service quality.

The cheapest car insurance companies in Boise for a minimum coverage policy are:

• American National: $142 per year
• State Farm: $177 per year

Dairyland is the most expensive provider for minimum coverage at $726 per year. American National also offers the cheapest car insurance in Idaho at $167 per year for minimum coverage, which is only slightly more expensive than its rate in Boise.

In Boise, a minimum coverage policy only offers coverage for bodily injury and property damage as required by Idaho law. The minimum limits required are:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $15,000 property damage liability per accident

A liability-only policy that meets Idaho's minimum requirements will only pay for up to $25,000 in medical expenses per victim if you're involved in an at-fault accident, for a total of up to $50,000 per accident. Any expenses incurred about these limits will have to be paid for out of pocket. In addition, your insurer will not cover property damages above $15,000.

The cheapest car insurance companies in Boise for a full coverage policy are:

• American National: $299 per year
• State Farm: $377 per year

Dairyland has the most expensive rates for full coverage at $1,481 per year. American National also offers the cheapest full coverage car insurance in Idaho at $365 per year, which is more expensive than the cheapest rate in Boise.

A full coverage policy includes comprehensive and collision insurance in addition to liability coverage.

• Collision insurance: Pays for damage to your vehicle resulting from covered on-road incidents like a collision with another car.
• Comprehensive insurance: Pays for damage to your car caused by covered off-road incidents like theft or vandalism.

If you have an older car, the additional cost of a full coverage policy may not be worth it since you'll be paying hundreds of dollars more in premiums annually for a car that may have low value.

The cheapest auto insurance companies in Boise after a driving offense are:

• Speeding ticket: American National ($368 per year)
• At-fault accident: American National ($429 per year)
• DUI: State Farm ($422 per year)

The most expensive options are Dairyland after a speeding ticket ($1,677 per year) or at-fault accident ($1,893 per year), and GEICO after a DUI ($2,065 per year).

A poor driving record can significantly impact car insurance rates, and even the most affordable rates after an offense will still be more expensive compared to rates for a clean record.

Auto insurance rates typically increase based on the severity of the violation. For instance, drivers in Boise with a DUI pay about $409 more per year for car insurance, while drivers with a speeding ticket only pay about $103 more. However, you can still find cheap car insurance with a bad driving record.

The cheapest car insurance companies in Boise for teens on a family policy are:

• State Farm: $1,042 per year for female teens; $1,322 per year for male teens
• Nationwide: $1,229 per year for female teens; $1,364 per year for male teens

The most expensive companies are Farmers at $1,832 per year for female teens and Travelers at $2,263 per year for male teens. State Farm’s rate for male teens is $280 higher than its rate for female teens, which is common because male teens are considered riskier to insure. This difference in rates drops off in early adulthood.

Teens pay much higher rates if they purchase an individual car insurance policy, so a family policy is the best option if you're looking for the cheapest car insurance for teens.

A teen driver in Boise purchasing an individual policy will pay an average of $4,081 per year, which is $2,414 more than the cost of a family policy.

The cheapest auto insurance companies for military families in Boise are:

• American National: $299 per year
• State Farm: $377 per year

USAA offers full coverage at $389 per year and is also a good option since its services cater specifically to those in the military. American National and State Farm are also the most affordable providers for minimum coverage policies at $142 and $177 per year, respectively.

To get a car insurance quote online in Boise, Idaho, you will need to enter a lot of personal information, and the process can take 15 minutes or more.

You can get a quick estimate of your costs with MoneyGeek’s car insurance calculator by simply entering your age, vehicle type, coverage level and driving record.

The cheapest car insurance for young adults purchasing a full coverage policy in Boise is offered by:

• American National: $381 per year
• State Farm: $481 per year

Dairyland is the least affordable provider for young adults at $1,896 per year. On average, young adults pay more for car insurance than older adults since they are less experienced drivers. In Boise, 25-year-olds pay an average of $831 per year for car insurance, $161 more than the average rate for 40-year-old drivers.

The cheapest car insurance for seniors in Boise purchasing a full coverage policy is offered by:

• American National: $311 per year
• State Farm: $351 per year

Dairyland has the highest rates for senior drivers at 1,327 per year. On average, 65-year-old drivers in Boise pay $640 per year for car insurance, which is $30 less than the average rate for drivers in their 40s. Rates generally continue to increase after age 65 as driving becomes more risky.

The cheapest car insurance for drivers with poor credit purchasing a full coverage policy in Boise is offered by:

• Nationwide: $853 per year
• Idaho Farm Bureau: $971 per year

Dairyland has the most expensive rates for drivers with bad credit at $1,839 per year. On average, car insurance for drivers with bad credit in Boise costs $1,116 per year, which is $446 more than the average rate for those with good credit ($670). This means car insurance in Boise is around 67% more expensive if you have poor credit.

Insurance companies consider drivers with bad credit riskier to insure since they have been found to be more likely to file claims, leading to higher rates.

However, you can still find affordable car insurance for bad credit by comparing quotes from multiple providers, taking advantage of discounts and bundling your policies. Improving your credit score over time will also help you get better rates.

The cheapest car insurance for drivers with sports cars in Boise shopping for a full coverage policy is offered by:

• Auto-Owners Insurance: $438 per year
• State Farm: $465 per year

Dairyland is the most expensive provider if you have a sports car at $1,469 per year. In Boise, car insurance for sports cars costs $60 or 8% more per year on average than insurance for a standard car.

For this analysis, MoneyGeek used a Ford Mustang as our sample sports car, but rates may vary by model. Sports, luxury and electric cars are usually the most expensive to insure since they cost more to replace or repair in case of damage or loss.

The average cost of car insurance in Boise is $670 per year for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

The average rate in Boise is the same as the average cost of car insurance in Idaho, $670 per year. However, it's cheaper than the average national cost of car insurance. Location is one of several variables that impact car insurance rates. Compared to the nearby city of Meridian, average rates in Boise are $14 more expensive.