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The average cost of car insurance in Boise is $93 per month, which is just $1 more than the overall average in Idaho. Drivers in Boise generally benefit from inexpensive rates, but State Farm, USAA, and American Family offer the cheapest average rates in the city.
Idaho is one of the least populated states in the U.S., which may explain why drivers pay low rates. Here’s what you need to know about Boise car insurance, including average rates, key factors to consider, and top strategies to help you find the most budget-friendly options.
Quick Facts
Car insurance in Boise costs $69 per month for liability coverage and $116 for full-coverage, on average.
Idaho auto insurers can consider your credit history when determining your car insurance premium.[1]
Speeding is the most common traffic offense in Idaho, accounting for 46% of all violations in 2021.[2]
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Best car insurance companies in Boise
When searching for car insurance in Boise, you shouldn’t only consider the cost. You must also consider your unique circumstances, including your driver profile, vehicle type, and coverage needs. For example, an insurer that works well for your friend might not offer the best coverage and discounts for you.
A few of the best auto insurers in Boise include USAA, GEICO, and Allstate. These insurers provide affordable coverage for different types of drivers in the city, including veterans, high-risk drivers, and commuters.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$45/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$98/mo
USAA has a strong track record of serving military members, veterans, and their families. The company offers discounts for vehicle storage coverage during deployment or parking your car on base.
USAA has a strong reputation for excellent customer service and a high Insurify Quality (IQ) Score. Around 9% of Idaho residents are veterans, and USAA is a top choice for veterans in the city.
Pros
Excellent customer satisfaction rating from J.D. Power
Coverage tailored to military members and veterans
A++ (Superior) financial strength rating from AM Best
Cons
Coverage only available to military members and their families
Limited physical locations
Limited discounts available
The representative was very helpful and caring. I felt valued.
Tawana - January 17, 2023
Verified
I have been a member for 14 years. They have always delivered excellent customer care anytime I needed to reach out to them for any reason, whether it was to resolve an issue or assist me with an application for one of the many services and products they offer.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$112/mo
If you get a DUI in Idaho, you’ll need an insurance company that offers SR-22 insurance. GEICO can help. Once you purchase a policy, contact GEICO customer service to file your SR-22 with Access Idaho.
You can personalize your coverage with GEICO, from a liability-only policy to full-coverage insurance with optional add-ons. GEICO offers discounts, too. You can take a defensive driving course to qualify for cheaper rates.
Pros
Competitive rates for Boise drivers
Files your SR-22 for you
24-hour customer service
Cons
Only one GEICO agent located in Boise
Below-average customer satisfaction rating from J.D. Power
Doesn’t offer gap insurance
Good communication
John - February 4, 2023
Verified
They offer the best rate.
Shannon - February 1, 2023
Verified
Any time I called them, they were on top of it and gave me an answer right away.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$61/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$134/mo
Allstate offers coverage options to fit the needs of commuters. The average Boise driver spends about 35 minutes driving to work, and a policy from Allstate can help protect you during your daily travels.
You can talk to one of eight Allstate agents located in Boise about accident forgiveness, which can offer you more protection in the event of an accident, regardless of fault.
Pros
Eight Allstate agents in Boise
At least 14 advertised discounts
Accident forgiveness and deductible rewards can lower costs
Cons
Financial strength rating from Fitch was downgraded in May 2023
Below-average customer satisfaction rating from J.D. Power
Premiums may exceed the state average
Good company, but costs more for premiums
Patricia - February 1, 2023
Verified
My rate for auto insurance jumped approximately $100 after six months and I was unable to get a satisfactory explanation.
Burl - January 30, 2023
Verified
They’ve given good service, but there were times when things could have been handled a bit more professionally.
Liability-only car insurance meets Idaho’s state minimum requirements. However, it doesn’t cover repairs to your car or medical bills after an accident. It only covers the other driver’s vehicle damage and medical expenses.[3]
If you’re looking to save on premiums, liability-only insurance is your cheapest coverage option. This policy type works best for drivers with old or inexpensive vehicles. Here are some of the cheapest liability-only car insurance options in Boise.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Boise
Full-coverage car insurance expands your protection to include repairs to your car following an accident, vandalism, and more through collision and comprehensive coverages. It’s a great option if you drive a newer vehicle, have a loan or lease agreement, or want more financial protection than a minimum-coverage policy can provide.
Find the cheapest full-coverage car insurance quotes in Boise below.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Idaho
The Idaho Department of Insurance requires drivers to carry two types of liability coverage to meet legal requirements: bodily injury and property damage. Idaho auto insurers must also offer drivers uninsured and underinsured motorist protection, but state law doesn’t require drivers to purchase it.[4]
Idaho is an at-fault state.[5] If you cause a car accident, you’re responsible for covering the other driver’s expenses for their injuries and vehicle damage. Your insurer only covers costs up to your auto insurance policy limit, so you may want to purchase higher coverage limits to avoid the financial strain of paying out of pocket.
Customization is key to finding the right amount of coverage that aligns with your needs. You have several optional coverages to choose from if you want to purchase more than liability-only insurance. Common offerings include:
Comprehensive coverage
If a non-collision incident damages your vehicle — like theft, vandalism, or severe weather — comprehensive coverage kicks in.
Collision coverage
Collision coverage pays for vehicle repair or replacement after an accident, regardless of fault.
Medical payments coverage
Medical payments coverage can help cover medical expenses for you and your passengers following an accident.
Rental car coverage
Rental car coverage pays for the cost of renting a car so you can still get around if your vehicle is in the shop after a covered accident.
Roadside assistance coverage
Specifics vary by company, but roadside assistance coverage typically includes assistance with vehicle breakdowns, flat tires, gas delivery, winching, jump-starts, and more.
Gap coverage
Gap coverage pays the difference between your car’s value and your loan or lease balance after a total loss accident.
Cheapest car insurance for drivers with an incident
A driving incident can refer to an at-fault accident, speeding ticket, DUI, or other moving violations on your record. Because auto insurers associate existing incidents on your record with higher risk, they charge more to account for the higher likelihood of accidents and claims.[6]
Your rate can increase after an incident. Some policyholders might see a modest increase, but rates could double for others. Your insurance company, driving history, and the type of incident on your record play a role in the cost of car insurance.
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Cheapest car insurance for drivers with a speeding ticket
Speeding tickets made up 46% of traffic violations in Idaho in 2021, according to data published by the Idaho Transportation Department Office of Highway Safety. If you get a speeding ticket in Boise, you may need to visit the Ada County courthouse to pay a fine.[7] But you’ll also likely face higher car insurance prices because insurers view speeding as risky behavior.
Here are some of the cheapest car insurance companies for Boise drivers with a speeding ticket.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
If you’ve had an at-fault accident, you’ll likely see increased premiums due to the higher risk you now pose to insurance companies. Your specific rate increase will depend on the severity of the accident, your driving history, and the insurer’s policies.
Like in many other states, auto accidents are a concern in Idaho. The state had 22% more car accidents in 2021 than in 2020, with 6,769 total crashes in Ada County, according to the Idaho Transportation Department.
Find the cheapest quotes for Boise drivers with an at-fault accident below.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
If you get a DUI in Boise, you’ll face a misdemeanor violation, up to six months in jail, up to $1,000 in fines, and license suspension for 90 to 180 days. It can also lead to a significant increase in your auto insurance rates because of the offense’s severity. In Idaho, DUI arrests are most common among drivers between the ages of 21 and 25.
Here are the cheapest quotes for Boise drivers with a DUI on their record.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Senior drivers tend to have much lower rates than younger drivers. Average rates decrease steadily for drivers between the ages of 35 and 70. Older drivers can see slight rate increases around the age of 75 due to an increase in fatal accident rates. In Idaho, where more than 22% of drivers are 65 or older, senior drivers account for 11% of car accidents in the state.
Here are the cheapest monthly quotes for senior drivers in Boise.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Teenagers often pay the highest car insurance rates due to a lack of experience on the road and a higher likelihood of demonstrating risky driving behavior. In Idaho, young drivers between the ages of 16 and 24 account for 14% of road traffic, but they hold the highest car crash rate of 26%.
To get more affordable coverage as a teen driver, you can consider joining your parents’ insurance policy, opting for a safe and reliable car, and taking advantage of good student discounts.
Teen drivers in Boise can find the cheapest monthly quotes from the companies below.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get the cheapest car insurance in Boise
Insurers consider your driving history, age, vehicle type, credit score, and ZIP code to determine premiums. To find budget-friendly coverage, consider these strategies:
Bundle policies. Opt for the convenience and savings of bundling your auto insurance with other policies, like home or renters insurance. Most insurers offer a bundling discount.
Maintain good credit. A solid credit score can lead to lower premiums. You can improve your credit by making on-time payments.
Drive safely. Maintain a clean driving record and consider enrolling in a defensive driving course for potential discounts.
Choose a safe car. Driving a vehicle with advanced safety features and lower theft rates can lead to reduced insurance costs.
Compare quotes. Shop around to get quotes from multiple insurance companies to make sure you’re paying the best rate.
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Boise car insurance quotes by credit tier
Idaho law allows insurers to consider your credit score when setting premiums. Drivers with higher credit scores tend to earn lower premiums. In Boise, drivers with poor credit typically pay higher rates than people with excellent or good credit scores.
Here are the average quotes for full-coverage insurance in Boise by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Boise?
Boise car insurance is $93 per month, on average. The cost is cheaper than the national average rate of $139, which provides some financial relief to local drivers. However, car insurance rates can fluctuate by neighborhood and ZIP code due to factors like population density, crime rates, and traffic patterns.
For instance, Meridian sits just 10 miles west of Boise, but residents there pay 22% more for car insurance. Traffic bottlenecks are a problem in Meridian and could result in these higher average premiums. City leaders frequently work with Ada County Highway District and the ITD to help ease traffic flow.
More cities in Idaho
Of the Idaho cities below, Twin Falls has the lowest full-coverage car insurance premium. On average, drivers in Twin Falls pay $25 less per month than the $116 per month full-coverage average in Boise. You can see how quotes for full-coverage insurance in other Idaho cities compare to Boise below.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Boise car insurance FAQs
Before you start shopping around for car insurance, you should determine how much coverage you need. The information below should help you navigate the process of buying car insurance in Boise, Idaho.
How much is car insurance in Boise?
The overall cost of car insurance in Boise is $93 per month. On average, drivers in the city pay $69 per month for liability and $116 for full-coverage insurance. Specific premiums vary based on your driver profile, vehicle type, chosen coverage, and more.
What are the best car insurance companies in Boise?
With cheap rates and high Insurify Quality (IQ) Scores, the best car insurance companies in Boise include USAA, GEICO, Allstate, and State Farm. With an IQ Score of 4.3 out of 5 and an A++ (Superior) financial strength rating from AM Best, USAA provides the best coverage for veterans.
How much car insurance do you need in Idaho?
Boise drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $15,000 per accident in property damage liability. Auto insurers in Idaho must also always offer uninsured/underinsured motorists coverage, but state law doesn’t require drivers to purchase it.
Is Idaho a no-fault state?
No. Idaho is an at-fault state. This means a driver who causes an accident must cover the costs of the other driver’s resulting vehicle damage and bodily injuries.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Ada County. "General FAQ." Accessed August 11, 2023
Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
USAA
GEICO
Allstate
