Cheapest Auto Insurance in Boise, Idaho (2024)

Safeco offers the cheapest car insurance in Boise, with minimum-coverage policies as low as $54 per month.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Katie Powers
Edited byKatie Powers
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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.

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Updated June 13, 2024

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Cheapest recent rates near Boise, Idaho

Drivers in and around Boise, Idaho have found policies from Direct Auto, Progressive, National General, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Boise, Idaho within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Boise, Idaho within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of car insurance in Boise is $108 per month, which is only a little more than the overall average in Idaho of $103. 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 there 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 compare quotes to find the most budget-friendly options.

Quick Facts
  • Car insurance in Boise costs $76 per month for liability coverage and $141 for full coverage, on average.

  • Boise’s three cheapest insurers are Safeco, Liberty Mutual, and National General.

  • Speeding is the most common traffic offense in Idaho, accounting for 46% of all violations in 2021.[1]

3 of the cheapest 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 averages listed below represent each insurer’s nationwide averages.

Insurance CompanyIQ Score
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.
Full CoverageLiability OnlyBest For
USAA4.7$99$46Veterans
GEICO4.4$119$55Drivers with a DUI
Allstate4.4$119$62Commuters
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.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for veterans: USAA

Compare personalized, real-time quotes
IQ Score
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.
4.7
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.
$46/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.
$99/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

Read our USAA review
Dorothy - June 13, 2024
Verified

Price

It's a good company, but the price increases every year.

Steven - June 13, 2024
Verified

Hopeless

I am a disabled veteran. I lost my phone and got a new number. I needed to adjust my policy and had forgotten my old phone number and password codes. They would not allow access to my account to make changes. It became a nightmare. Otherwise, they are a good company.

Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

Best insurer for drivers with a DUI: GEICO

Compare personalized, real-time quotes
IQ Score
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.
4.4
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.
$55/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.
$119/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

Read our GEICO review
Joyce - June 13, 2024
Verified

Excellent

Use Geico, they will work with you.

Polly - June 13, 2024
Verified

Very Sad

The rates are too high.

Larry - June 12, 2024
Verified

Poor

The insurance is overpriced.

Best insurer for commuters: Allstate

Compare personalized, real-time quotes
IQ Score
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.
4.4
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.
$62/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.
$137/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

Read our Allstate review
Mark - June 13, 2024
Verified

Terrible, company didn't cover two rocks hitting my windshield

The assistance was awful.

Jay - June 13, 2024
Verified

Not the Greatest, But OK

The app isn't great, so it's better to deal with an agent.

Louis - June 13, 2024
Verified

Allstate is Overpriced

They are way too expensive.

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.

Find Cheap Car Insurance in Boise, Idaho

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Cheapest liability-only car insurance in Boise: Safeco

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.[2]

If you’re looking to save on premiums, liability-only insurance is your cheapest coverage option. Liability-only policies in Boise cost $76 per month, on average. 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Safeco$54
Liberty Mutual$55
National General$56
Dairyland$58
Progressive$59
Bristol West$88
Foremost$97
The General$113
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: Safeco

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.

Drivers in Boise pay an average of $141 per month for full-coverage insurance. Find the cheapest full-coverage car insurance quotes in Boise below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Safeco$91
Progressive$97
National General$104
Liberty Mutual$114
Dairyland$134
Foremost$171
Bristol West$213
The General$219
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 recent rates near Boise, Idaho

Drivers in and around Boise, Idaho have found policies from Bristol West, The General, Dairyland, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Boise, Idaho within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Boise, Idaho within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. 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.[3]

Idaho is an at-fault state.[4] 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.

CoverageMinimum Requirements
Bodily injury liability$25,000 per person
$50,000 per accident
Property damage liability$15,000 per accident

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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If a non-collision incident damages your vehicle — like theft, vandalism, or severe weather — comprehensive coverage kicks in.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for vehicle repair or replacement after an accident, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage can help cover medical expenses for you and your passengers following an accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.[5]

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.

Find Car Insurance in Boise, ID

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Cheapest car insurance for drivers with a speeding ticket: Safeco

Speeding tickets made up 46% of traffic violations in Idaho in 2021, according to data from 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.[6] But you’ll also likely face higher car insurance prices because insurers view speeding as risky behavior.

The average cost of car insurance for drivers with a speeding ticket in Boise is $219 per month for full coverage and $118 for liability only. 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Safeco$54$74
Liberty Mutual$55$82
National General$56$75
Dairyland$58$79
Progressive$59$80
Bristol West$88$119
Foremost$97$145
The General$113$155
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: Safeco

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. In Boise, the average cost of car insurance for drivers with an accident is $214 per month for full coverage and $115 for liability only.

Find the cheapest quotes for Boise drivers with an at-fault accident below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Safeco$54$72
Liberty Mutual$55$83
National General$56$77
Dairyland$58$80
Progressive$59$83
Bristol West$88$120
Foremost$97$146
The General$113$159
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: Safeco

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.

Boise drivers pay an average of $242 per month for full coverage and $131 for liability after a DUI conviction. Here are the cheapest quotes for Boise drivers with a DUI on their record.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Safeco$54$92
Liberty Mutual$55$94
National General$56$95
Dairyland$58$99
Progressive$59$100
Bristol West$88$150
Foremost$97$165
The General$113$192
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: Progressive

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 70 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.

The average cost of car insurance for senior drivers in Boise is $100 per month for full coverage and $54 for liability only. Here are the cheapest monthly quotes for senior drivers in Boise.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Progressive$27$44
Liberty Mutual$31$64
Safeco$33$55
Dairyland$35$80
National General$35$65
Bristol West$52$127
Foremost$55$98
The General$72$139
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: Dairyland

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%. Teen drivers in Boise pay an average of $251 per month for full coverage and $135 for liability only.

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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Dairyland$97$223
Liberty Mutual$101$210
National General$105$195
Progressive$106$174
Safeco$112$189
Bristol West$149$361
Foremost$171$301
The General$182$352
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.

Find Affordable Car Insurance in Boise

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Boise car insurance quotes by credit tier

Idaho law allows insurers to consider your credit history 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.

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 $108 per month, on average. The cost is cheaper than the national average rate of $160, 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 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, Pocatello has the lowest full-coverage car insurance premium. On average, drivers in Pocatello pay less than the full-coverage average in Boise of $141 per month. You can see how quotes for car insurance in other Idaho cities compare below.

CityLiability OnlyFull Coverage
Twin Falls$69$140
Idaho Falls$68$141
Pocatello$68$121
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 $108 per month. On average, drivers in the city pay $76 per month for liability and $141 for full-coverage insurance. Specific premiums vary based on your driver profile, vehicle type, chosen coverage, and more.

  • Which companies have the cheapest car insurance in Boise?

    Safeco has the cheapest car insurance in Boise, with a monthly liability-only rate of $54. Other affordable insurers include Liberty Mutual and National General, with liability rates of $55 and $56 per month, respectively. The cheapest car insurance company for you will depend on many factors, including your age, gender, ZIP code, driving history, and vehicle.

  • 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 4.7 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.

Sources

  1. Idaho Transportation Department Office of Highway Safety. "Idaho Traffic Crashes 2021."
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  3. Idaho Department of Insurance. "Required Auto Coverage."
  4. NOLO. "Idaho Car Insurance Laws."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  6. Ada County. "General FAQ."
Amy Beardsley
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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
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.

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