Compare Boise, ID Car Insurance Rates (2021)

The cheapest car insurance companies in Boise, Idaho, are USAA, State Farm, and Liberty Mutual. Car insurance cost in Boise, Idaho, varies for each person based on factors like driving record. You can pay as little as $137/mo for Boise, ID car insurance rates. Boise, Idaho car insurance law requires that you carry at 25/50/15 in liability coverage as well as uninsured/underinsured motorist coverage with the same limits.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Mar 23, 2021

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Here's what you need to know...

  • On average, Boise, Idaho car insurance rates are $2,650 per year
  • Five of the nation’s top companies have cheaper than average car insurance quotes in Boise
  • Idaho’s car insurance requirements are 25/50/15
  • Boise is the highest populated city in Idaho, and it has the most vehicle thefts in the state.

Boise, ID car insurance is $1,282 less than the national average and $329 less than the state average. However, Boise, ID car insurance rates depend on the company and other factors that affect car insurance.

Those factors include age, driving record, credit history, and even marital status. Our guide explains how you can secure cheap car insurance in Boise, Idaho.

Ready to find affordable Boise, ID car insurance? Enter your ZIP code above to get started.

What is the cheapest car insurance company in Boise, ID?

The cheapest auto insurance company in Boise, ID, is USAA. However, USAA is only available for military veterans and their immediate families. The following most affordable companies are State Farm and Liberty Mutual.

Here are the best auto insurance companies in Boise Idaho, ranked from cheapest to most expensive:

  • USAA – $1,644
  • State Farm – $1,801
  • Liberty Mutual – $2,101
  • GEICO – $2,436
  • Nationwide – $2,546
  • Farmers – $3,048
  • Travelers – $3,076
  • American Family – $3,470
  • Allstate – $3,723

USAA, State Farm, Liberty Mutual, GEICO, and Nationwide, are the only companies in Boise that provide cheaper than average auto insurance rates. With the right discounts, you can lower your annual costs.

Before you get any discount, car insurance providers will determine your base car insurance rates using a number of factors such as age, gender, marital status, driving record, and credit history.

The most critical factor is your driving history. Some auto insurance companies provide up to 40 percent off if you have a clean driving record. In addition to having no traffic violations or accidents, a good credit score can lower your car insurance rates even more.

Even your location is a factor. Did you know your neighborhood ZIP code can save you hundreds more if you live in a statistically less risky location? The cheapest ZIP code in Boise, ID, is 83716, and its average car insurance cost is $218 per month.

If you’re a single driver under 25 years old, you could face auto insurance quotes up to $6,555 per year. On the other hand, married drivers over 24 years old may have car insurance rates that cost $1,800 per year.

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What are the minimum car insurance coverage requirements in Boise, ID?

All Boise, Idaho, drivers must have the minimum Idaho car insurance requirements, which are:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $15,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist

Most car insurance experts recommend higher coverage limits to cut possible out-of-pocket costs.

What affects car insurance rates in Boise, ID?

Did you know that your daily commute affects your car insurance? Even a city’s motor vehicle thefts affect car insurance quotes.

And more residents means more drivers on the road. According to INRIX, Boise is ranked 103rd in the most congested cities in the United States.

What about the daily drive to work? How long does it usually take to get to work in Boise? According to Data USA, it takes the average Boise driver 17 minutes to get to work – that’s eight minutes faster than the national average.

Vehicle theft has a significant impact on comprehensive car insurance. Higher rates of motor vehicle theft will certainly increase car insurance costs. The FBI annual statistics reported that Boise had 231 auto thefts in 2019.

Boise, ID Car Insurance: The Bottom Line

Boise, Idaho car insurance rates are more affordable than most cities in the United States. You can save hundreds on car insurance if you maintain a clean driving record and a good credit score. Also, married drivers that are 25 and older can save thousands.

Before you buy car insurance in Boise, ID, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Boise, ID car insurance quotes.

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