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Cheap Auto Insurance Quotes in Boise, ID (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Quick Facts
- The average cost of car insurance in Boise is $135 per month, or $1620 annually.
- Car insurance in Boise is $1 more than the average cost of car insurance in Idaho.
- The cheapest car insurance provider in Boise on average is Travelers, but you should always compare quotes to find your best personal rate.
Car Insurance in Boise, ID
The average cost of Idaho car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Boise, ID to find you the cheapest quotes in the area.
Quotes by Top Companies
State Farm$64
Progressive$71
Nationwide$99
American Family$158
The General$167
Cheapest Car Insurance in Boise, ID
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Boise | Quotes |
|---|---|
| State Farm | $64 /mo |
| Progressive | $71 /mo |
| Nationwide | $99 /mo |
| American Family | $158 /mo |
| The General | $167 /mo |
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Average Car Insurance Cost
| Idaho Cities | |
|---|---|
| Nampa | $121/mo |
| Meridian | $129/mo |
| Idaho Falls | $108/mo |
| Pocatello | $99/mo |
| Boise | $112/mo |
| Idaho | $114/mo |
Pocatello$99
Idaho Falls$108
Boise$112
Average for ID$114
Nampa$121
Meridian$129
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in ID
Every state is unique when it comes to car insurance requirements. The requirements in Idaho are only slightly higher than the national average. Minimum coverage in Idaho includes:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
Optional coverage includes $25,000/$50,000 uninsured and underinsured motorist coverage. However, to waive that coverage Idaho drivers must do so in writing (according to Idaho Insurance Code §41-2502)
FAQs - Boise, ID Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Boise Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Boise, Idaho below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Boise drivers measure up to their fellow motorists across Idaho in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Boise
#2
City with the Most Speeding Tickets Rank in Idaho
#1
City with the Most Moving Violations Rank in Idaho
#4
City with the Most DUIs Rank in Idaho
#3
City with the Most Suspended Licenses in Idaho
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Boise drivers rank 13 in the number of car accidents per driver across all cities in Idaho.
- Rank within state: #13
- Percent of drivers in Boise with an accident: 12.42%
- Drivers in Boise, ID with an accident in their driving history pay on average 31.03% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Idaho, Boise drivers rank 2 in the number of speeding infractions per driver.
- Rank within state: #2
- Percent of drivers in Boise with a speeding ticket: 14.26%
- Drivers in Boise, ID with a speeding ticket in their driving history pay on average 28.45% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Boise drivers rank 4 in the number of DUI’s per driver across all cities in Idaho.
- Rank within state: #4
- Percent of drivers in Boise with a DUI: 3.48%
- Drivers in Boise, ID with a DUI in their driving history pay on average -95.69% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Boise is the Honda Accord.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Idaho, Boise drivers rank 2 in rude driving infractions.
- Rank within state: #2
- Percent of drivers in Boise with a reckless driving violation: 4.6%
- Drivers in Boise, ID with a reckless driving violation in their driving history pay on average 21.55% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Boise drivers rank 7 in clean driving records across all cities in Idaho.
- Rank within state: #7
- Percent of drivers in Boise with clean record: 73.78%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Boise drivers rank 2 in failure to yield violations per driver across all cities in Idaho.
- Rank within state: #2
- Percent of drivers in Boise with a failure to yield violation: 1.51%
- Drivers in Boise, ID with a failure to yield violation in their driving history pay on average 1700% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Idaho, Boise drivers rank 5 in the number of reckless driving offenses per driver.
- Rank within state: #5
- Percent of drivers in Boise with a reckless driving offense: 0.13%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Boise drivers rank 5 in hybrid and electric vehicle ownership across all cities in Idaho.
- Rank within state: #5
- Percent of drivers in Boise with a hybrid/electric vehicle: 0.48%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others
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