Cheapest Auto Insurance Quotes in Boise, Idaho
State Farm has the cheapest car insurance in Boise, at $27 per month for minimum coverage and $79 per month for full coverage.
Compare Car Insurance Rates in Boise
Best cheap car insurance companies in Boise
Depending on your background and driving history, your rates may vary significantly. We recommend comparing quotes from multiple insurers before signing onto a policy.
Cheapest car insurance in Boise: State Farm
In Boise, ID, State Farm offers the cheapest rates for a full coverage policy, with an average cost of $79 per month.
We recommend that you compare quotes from multiple insurance companies before finalizing your auto insurance. Additional companies you should contact are Geico and Farm Bureau, which cost nearly $400 per year more than State Farm but are still among the least expensive options in Boise.
And, for those who are eligible, USAA offers the cheapest full coverage quotes in Boise, with an average of $693 per year, or $58 per month.
Compare Car Insurance Rates in Boise
Cheapest full coverage car insurance in Boise
Company | Monthly rate | |
|---|---|---|
| State Farm | $79 |
| Geico | $111 |
| Farm Bureau | $111 |
| Auto-Owners | $118 |
| American Family | $147 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in Boise: State Farm
Drivers who opt for minimum coverage also find the best rates with State Farm, which charges an average of $27 per month.
State Farm, Farm Bureau and Farmers Insurance are the three cheapest auto insurers for Boise drivers, based on our analysis of minimum liability quotes in Idaho. For a Boise motorist, these three providers’ rates represent a 21% decrease compared to what the typical insurer charges in Boise — that’s an annual average of $129 back in drivers’ pockets.
State Farm has the best insurance rate, at $27 per month, which is 47% cheaper than the city’s average premium. The second-cheapest car insurance company, Farm Bureau, has an average cost of $45. Next, at $48, Farmers Insurance offers the third-lowest rate.
Compare Car Insurance Rates in Boise
Cheapest minimum-coverage car insurance in Boise, ID
Company | Monthly rate | |
|---|---|---|
|
| State Farm | $27 |
|
| Farm Bureau | $45 |
| Farmers | $48 |
| Allstate | $49 |
|
| Geico | $50 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers: State Farm
Drivers in their teens can find the cheapest rates from State Farm, which charges an average of $255 per month for full coverage. Another alternative worth receiving a quote from is Farm Bureau, which has an average cost of $276 per month.
Statistically, young drivers are more likely to be involved in accidents than older drivers. It's no secret that if you're a new or young driver, you will have higher rates than a driver in their 30s or 40s.
In fact, the average 18-year-old in Boise receives quotes nearly three times as expensive as rates for a 30-year-old driver.
Company | Monthly rate |
|---|---|
| State Farm | $255 |
| Farm Bureau | $276 |
| American Family | $318 |
| Geico | $368 |
| Auto-Owners | $439 |
*USAA is only available to current and former military members and their families.
Most young drivers have difficulty finding inexpensive insurance. To obtain the lowest costs, there are a couple of additional steps you can take:
- Consider joining your parents' auto insurance policy. Your parents' car insurance premium will increase, but it will be a much cheaper option than purchasing separate policies.
- Ask each insurer about its discounts. Most insurers have a list of discounts for their customers that you may already qualify for. You can receive discounts for being a good student, maintaining an accident-free record or installing safety devices in your car.
Cheapest car insurance for people with a speeding ticket: State Farm
On average, speeding tickets raise Boise drivers' auto insurance rates by $244 per year. Drivers caught speeding find the cheapest prices for full coverage from State Farm, Farm Bureau and Geico.
The difference between the cheapest and most expensive insurer for a driver of this profile is over $2,500, illustrating the importance of comparing quotes from multiple companies before selecting a policy.
Cheapest car insurance in Boise with a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $87 |
| Farm Bureau | $111 |
| Geico | $117 |
| Auto-Owners | $118 |
| American Family | $152 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance in Boise after an accident: State Farm
The insurers with the cheapest rates for drivers with an accident record are State Farm, Auto-Owners and Farm Bureau. State Farm, notably, increases its rates for full coverage by only an average of $191 per year following an at-fault accident.
Having at least one accident on your record can make you appear as a risky investment for insurers. It's no surprise that the average Boise driver is charged $545 per year more for car insurance following an accident, on average.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $95 |
| Auto-Owners | $136 |
| Farm Bureau | $145 |
| American Family | $152 |
| Geico | $171 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with a DUI: State Farm
The three insurers that offer the most affordable rates for drivers with a DUI are State Farm, American Family and Farm Bureau.
Driving while under the influence is a crime that insurers take very seriously. Along with the legal and potentially physical ramifications, drivers in Boise who are charged with a DUI are charged $1,031 more per year on average for full coverage than those with a clean record.
Cheapest car insurance for Boise drivers with a DUI
Company | Monthly rate |
|---|---|
| State Farm | $87 |
| American Family | $152 |
| Farm Bureau | $256 |
| Allstate | $275 |
| Farmers | $277 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with poor credit: Geico
Geico and State Farm offer the least expensive rates for drivers with poor credit. Drivers with poor credit scores pay more for car insurance than even drivers who have been caught speeding. The average Boise driver with poor credit spends $1,846 a year on premiums for a full coverage policy.
Your credit score is one of the factors insurers use to determine how risky you are to insure.
Cheapest car insurance for drivers with poor credit
Company | Monthy rate |
|---|---|
| Geico | $117 |
| State Farm | $117 |
| Auto-Owners | $153 |
| Farm Bureau | $154 |
| Farmers | $195 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for married drivers: State Farm
Some insurers view married drivers as more financially stable and risk-averse and, as a result, charge couples slightly less for car insurance compared to their single counterparts. Drivers who have tied the knot should begin their car insurance shopping by comparing full coverage rates from State Farm, Geico and Farm Bureau.
Cheapest car insurance for married drivers in Boise
Company | Monthly rate |
|---|---|
| State Farm | $79 |
| Geico | $105 |
| Farm Bureau | $111 |
| Auto-Owners | $118 |
| American Family | $131 |
*USAA is only available to current and former military members and their families.
Average car insurance cost in Boise, by neighborhood
While most insurance companies offer a flat rate across the city, some charge different premiums based on the neighborhood a driver lives in. Each neighborhood in Boise has variations, such as population density and crime frequency.
For example, residents of West Cloverdale, located west of the city center, spend an average of $71 more per year on full coverage car insurance than residents of Atlanta, another neighborhood in Boise.
ZIP code | Neighborhood | Average monthly insurance cost |
|---|---|---|
| 83702 | Harris Ranch/Northend | $129 |
| 83703 | Sunset | $129 |
| 83704 | West Bench | $129 |
| 83705 | Hillcrest | $129 |
| 83706 | South Boise Village | $128 |
| 83708 | West Boise | $131 |
| 83709 | Pioneer | $130 |
| 83712 | Warm Springs | $128 |
| 83713 | West Cloverdale | $132 |
| 83714 | Hidden Springs | $131 |
| 83716 | Atlanta | $126 |
| 83725 | Depot Bench | $127 |
Auto theft statistics in Boise
Out of the five most populated cities in Idaho, Boise has the fourth-highest rate of car theft. In 2018, approximately 10 cars were stolen for every 10,000 residents.
Rank | City | Population | Motor vehicle theft | Motor vehicle theft per 10,000 residents |
|---|---|---|---|---|
| 1 | Caldwell | 57,940 | 125 | 21.6 |
| 2 | Nampa | 98,208 | 140 | 14.3 |
| 3 | Idaho Falls | 62,088 | 68 | 11.0 |
| 4 | Boise | 231,314 | 231 | 10.0 |
| 5 | Meridian | 111,196 | 42 | 3.8 |
Motor vehicle theft data was pulled from the FBI 2019 Idaho Crime Report.
Recap of the cheapest auto insurance in Boise
- Minimum coverage: State Farm
- Full coverage: State Farm
- After an at-fault accident: State Farm
- After a speeding ticket: State Farm
- After a DUI: State Farm
- Poor credit history: Geico
- Married couples: State Farm
- Young drivers: State Farm
What's the best car insurance coverage in Boise, ID?
Keep in mind that while a minimum liability policy is the least expensive option, it offers fewer protections if you get into an accident. Drivers with expensive or new vehicles should consider investing in additional coverages.
Drivers insured under a full coverage policy not only meet the minimum requirements to drive in Idaho, but they also have comprehensive and collision coverages.
- Comprehensive coverage: Financially reimburses you for damage caused by "acts of God" or events outside your control. This includes fires, natural disasters and theft.
- Collision coverage: Financially protects you from damage your car sustains by crashing into another vehicle or a fixed object.
Methodology
We collected data from eight of the largest insurers in Idaho. Our sample driver was a 30-year-old man who drove a 2015 Honda Civic EX. Unless otherwise stated, the driver had good credit and received rates for a full coverage policy.
In instances where our sample driver was comparing rates for a full coverage policy, the following limitations were used:
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person and $100,000 per accident |
| Medical payments | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured and underinsured motorist bodily injury | $50,000 per person and $100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Sources:
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.