Cheapest Auto Insurance Quotes in Boise, Idaho
Compare Car Insurance Rates in Boise
In Boise, State Farm offered the cheapest rates for a minimum coverage policy at an average cost of $27 per month. Drivers who opted for full coverage also found the best rates with State Farm, which charged an average of $79 per month.
Given that Boise is the capital and the most populous city in Idaho, it's no surprise that the city's average auto insurance rate is on the expensive end, at $608 per year — 9% higher than the state average of $559.
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 auto insurance in Boise: State Farm
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 average of $129 back in drivers’ pockets.
State Farm had the best insurance rate, at $324 per year, which is 47% cheaper than the city’s average premium. The second-cheapest car insurance company, Farm Bureau, had an average cost of $541. Last but not least, at $571, Farmers Insurance offered the third-lowest rate.
Compare Car Insurance Rates in Boise
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.
Cheapest car insurance companies in Boise, ID
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $324 |
| 2 | Farm Bureau | $541 |
| 3 | Farmers Insurance | $571 |
| 4 | Allstate | $586 |
| 5 | Geico | $603 |
| 6 | Auto-Owners | $820 |
| 7 | American Family | $1,150 |
| N/A* | USAA | $267 |
*USAA is only available to current and former military members and their families.
Cheapest full coverage car insurance in Boise: State Farm
Not only does State Farm offer the most affordable rates for drivers seeking a minimum liability policy, it also has the cheapest rates if you're looking for a full coverage policy.
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 offered the cheapest full coverage quotes in Boise, at $693 per year.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $947 |
| 2 | Geico | $1,329 |
| 3 | Farm Bureau | $1,333 |
| 4 | Auto-Owners | $1,421 |
| 5 | American Family | $1,764 |
| 6 | Allstate | $2,363 |
| 7 | Farmers | $2,562 |
| N/A* | USAA | $693 |
*USAA is only available to current and former military members and their families.
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 damages caused by "acts of God" or events outside your control. This includes fires, natural disasters and theft.
- Collision coverage: financially protects you from damages your car sustains by crashing into another vehicle or a fixed object.
Cheap car insurance for drivers with prior incidents
If you have a history of accidents, speeding tickets, DUIs or any other driving violations, you'll likely receive higher rates than a Boise resident with a clean driving record.
Cheapest car insurance in Boise after an accident
The insurers with the cheapest rates for drivers with an accident record are State Farm, Auto-Owners and Farm Bureau. State Farm, notably, increased its rates only by an average of $191 following an 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.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $1,138 |
| 2 | Auto-Owners | $1,628 |
| 3 | Farm Bureau | $1,740 |
| 4 | American Family | $1,818 |
| 5 | Geico | $2,048 |
| 6 | Farmers | $3,672 |
| 7 | Allstate | $3,744 |
| N/A* | USAA | $981 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for people with a speeding ticket: State Farm
On average, speeding tickets raised Boise drivers' auto insurance rates by $244. Drivers caught speeding found the cheapest prices 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.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $1,043 |
| 2 | Farm Bureau | $1,333 |
| 3 | Geico | $1,398 |
| 4 | Auto-Owners | $1,421 |
| 5 | American Family | $1,818 |
| 6 | Allstate | $2,792 |
| 7 | Farmers | $3,674 |
| N/A* | USAA | $879 |
*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 than those with a clean record.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $1,043 |
| 2 | American Family | $1,818 |
| 3 | Farm Bureau | $2,947 |
| 4 | Allstate | $3,297 |
| 5 | Farmers | $3,325 |
| 6 | Auto-Owners | $3,340 |
| 7 | Geico | $3,423 |
| N/A* | USAA | $1,460 |
*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.
Your credit score is one of the factors insurers use to determine how risky you are to insure.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Geico | $1,398 |
| 2 | State Farm | $1,408 |
| 3 | Auto-Owners | $1,832 |
| 4 | Farm Bureau | $1,850 |
| 5 | Farmers | $2,340 |
| 6 | Allstate | $2,461 |
| 7 | American Family | $2,547 |
| N/A* | USAA | $935 |
*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 rates from State Farm, Geico and Farm Bureau.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $947 |
| 2 | Geico | $1,265 |
| 3 | Farm Bureau | $1,333 |
| 4 | Auto-Owners | $1,421 |
| 5 | American Family | $1,566 |
| 6 | Farmers | $2,240 |
| 7 | Allstate | $2,299 |
| N/A* | USAA | $600 |
*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 $255 per month. 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, your rates will be higher than a driver in their 30s or 40s.
In fact, the average young driver in Boise received quotes that were nearly three times as expensive as the rates for a 30-year-old driver.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $3,055 |
| 2 | Farm Bureau | $3,308 |
| 3 | American Family | $3,816 |
| 4 | Geico | $4,415 |
| 5 | Auto-Owners | $5,266 |
| 6 | Farmers | $5,947 |
| 7 | Allstate | $8,280 |
| N/A* | USAA | $1,745 |
*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 few 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 their 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.
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.
Residents of West Cloverdale, located near the center of the city, spend an average $71 more on car insurance than residents of Atlanta, a smaller neighborhood in Boise.
ZIP code | Neighborhood | Average annual insurance cost |
|---|---|---|
| 83702 | Harris Ranch/Northend | $1,546 |
| 83703 | Sunset | $1,542 |
| 83704 | West Bench | $1,549 |
| 83705 | Hillcrest | $1,543 |
| 83706 | South Boise Village | $1,537 |
| 83708 | West Boise | $1,569 |
| 83709 | Pioneer | $1,564 |
| 83712 | Warm Springs | $1,540 |
| 83713 | West Cloverdale | $1,585 |
| 83714 | Hidden Springs | $1,570 |
| 83716 | Atlanta | $1,514 |
| 83725 | Depot Bench | $1,527 |
*USAA is only available to current and former military members and their families.
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
- Very good credit history: State Farm
- Married couples: State Farm
- Young drivers: State Farm
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 poor credit and received rates for a minimum 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 liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$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: