Progressive
$94/mo
General
$93/mo
Allstate
$170/mo
State Farm
$111/mo
CSAA
$114/mo
Progressive
General
Allstate
State Farm
CSAA
What makes auto insurance in Idaho special? Car insurance rates in Idaho are lower than the national average, making it affordable for drivers. But does that mean all cities in the state offer low car insurance rates? What about car insurance in Boise, the most populated city in the state?
The fact is that the cost of car insurance in Boise is slightly higher than the state average. But it shouldn't discourage you from buying an auto insurance policy. Driving with valid car insurance can earn you a jail time of six months and a penalty of $1,000. So, the trick is to find cheap car insurance in the city.
So, how much does car insurance in Boise cost? Which is the best car insurance in Boise? How much do car insurance companies in Boise, Idaho, charge for an average auto insurance policy? Continue reading to find out in detail! Our review has all the answers related to buying a Boise auto insurance policy.
Are you looking for auto insurance in Idaho? Get an affordable quote today!
A driver must pay an average of $1,056 to buy car insurance in Boise. It is slightly more than the state average of $1,023 and less than the national average of $1,557.
| Boise (annual average) | Idaho (annual average) | United States |
|---|---|---|
| $1,056 | $1,023 | $1,557 |
Boise auto insurance rates are based on the factors like age, gender, marital status, and driving history. You can always lower the rates by comparing the car insurance quotes in Boise, Idaho. Keep reading to know more!
With an average annual rate of $762, State Farm offers the best car insurance in Boise. Liberty Mutual and Progressive offer the next best affordable insurance policy with annual rates of $844 and $986, respectively.
| Car insurance company | Average Annual Rate |
|---|---|
| State Farm | $762 |
| Liberty Mutual | $844 |
| Progressive | $986 |
| Farm Bureau | $1,041 |
| Farmers | $1,159 |
Irrespective of the city, age can always be a factor that decreases or increases the car insurance rate. Like many cities, drivers in their teens pay the most for auto insurance in Boise. A teen driver pays around $4,379 for car insurance in Boise.
The car insurance rates start decreasing as you reach your 20s. Drivers in their 70s pay nearly $1,146 for buying car insurance in Boise.
The ideal way to find low-priced car insurance is by comparing the various car insurance quotes in Boise, Idaho. Or you can always check the various discounts your insurer offers and use the ones you qualify for.
The cost of a driver's auto insurance may occasionally depend on their marital status and gender. Since they are likely to file more claims, single drivers typically pay more for insurance than married drivers in most US cities. For instance, single drivers pay $64 more than married drivers for car insurance in Boise. On average, single drivers pay around $1,056 for auto insurance in the city.
Another factor that may affect auto insurance premiums is gender. Male drivers in Boise pay $9 more annually for auto insurance than female drivers. Widowed people also pay significantly less in rates than single people do. You may always check for your insurer's discounts to decrease the rate of car insurance in Boise.
| Gender/Marital Status | Average Annual Rate |
|---|---|
| Male | $1,056 |
| Female | $1,047 |
| Single | $1,056 |
| Married | $992 |
| Widowed | $1,049 |
| Divorced | $1,056 |
Your driving behavior can influence the cost of car insurance in Boise. At-fault accidents, DUI/DWI, reckless driving, and speeding tickets frequently increase rates. Conversely, having a clean driving record always lowers your insurance rate.
Reckless driving and DUI are the two offenses that surge the auto insurance rates in Boise. A driver with a reckless driving citation must pay around $1,561, higher than the national average. So, always a spotless driving record to keep the car insurance rates affordable.
| Offense | Average Annual Rate |
|---|---|
| Reckless Driving | $1,561 |
| DUI/DWI | $1,500 |
| Speeding Ticket | $1,226 |
| At-Fault Accident (damages < $,1000) | $1,387 |
| At-Fault Accident (damages > $2,000) | $1,472 |
The rate of car insurance in Boise will be low if you have a good credit score. Conversely, a driver with a 'Very Poor' credit score may need to pay high for auto insurance. On average, a driver with this credit score must pay around $2,043 to buy a car insurance policy. It is $987 more than the city average.
Drivers in Boise can save more than 50 percent on their auto insurance by raising their credit score from 'Very Poor' (300-579) to 'Exceptional' (800-850). Moving from a 'Very Poor' to a 'Fair' credit score saves $779 on your insurance rates. Moving to a 'Good' credit score from a 'Very Poor' credit score saves around $987 on your auto insurance rates.
| Credit Rating | Average Annual Rate |
|---|---|
| Very Poor | $2,043 |
| Fair | $1,264 |
| Good | $1,056 |
| Very Good | $957 |
| Exceptional | $853 |
Boise's neighborhoods differ from one another in terms of things like crime rate and population density. As a result, some insurance providers charge variable prices depending on a driver's area. However, the majority offer a single fee for the entire city. So, expect to pay high insurance premiums if you live in an area with high crime, theft, or accident rates.
The following are the cost of car insurance in Boise based on some ZIP Codes.
| ZIP Code | Average Annual Rate |
|---|---|
| 83702 | $1,558 |
| 83703 | $1,554 |
| 83704 | $1,561 |
| 83705 | $1,555 |
| 83706 | $1,549 |
| 83708 | $1,581 |
| 83709 | $1,576 |
| 83712 | $1,552 |
| 83713 | $1,597 |
| 83714 | $1,582 |
All drivers in Boise, Idaho, must meet these minimum insurance requirements.
According to reports, Boise has the worst traffic in the nation. You know how tough it will be to drive around the city as it is the most populated in Idaho. The heavy traffic can reduce your travel range by 14.4 miles compared to how far you can drive in the same period when the roads are clear. Here is some tips info on road transport in the city.
Boise has the fourth-highest auto theft rate in the state. Fortunately, Boise has a lower auto theft rate than the state average. In 2019, the auto theft rate was 99.9 per 100,000 persons, lower than the state average and the national average rate of 219.
| Boise theft rate (per 100,000 persons) | United States theft rate (per 100,000 persons) |
|---|---|
| 99.9 | 219 |
Though the most populated city in the state, the city has a low accident rate. In 2019, around nine vehicles were involved in fatal accidents. On the other hand, 12 persons were involved in fatal accidents, causing eight fatalities. Additionally, there were two fatal accidents involving drunk persons, and five pedestrians were involved in fatal accidents in Boise.
Are you looking for the best car insurance companies in Boise, Idaho? The insurers in the city claim that they provide thorough coverage at competitive prices. In addition, our car insurance agents in Boise can help you understand the state's most complicated laws, coverages, insurance terms, and discounts. So if you're searching for cheap auto insurance, get in touch with our car insurance agents in Boise.
These are a few of the city's major insurers.
| State Farm | USAA |
| Liberty Mutual | Auto-Owners |
| Progressive | American Family |
| Farm Bureau | Travelers |
| Farmers | Nationwide |
| Allstate | |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
On average, car insurance in Boise costs a driver around $1,056 annually.
Though slightly higher than the state average rate, Boise auto insurance rates are lower than the national average rate.
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