Buy Cheap Boise City, ID Auto Insurance

You can purchase the most affordable Boise City, ID auto insurance from USAA and State Farm. Average Boise City, ID car insurance rates are $2,649.65 per year ($220/mo). This may seem high, but two major factors that affect rates are traffic and crime. Boise City, ID is the 37th most congested city in the U.S., and 152 vehicles are stolen per 100,000 people. Other factors like age, driving record, marital status, and even Boise City, ID weather can affect your rates.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: May 2, 2021

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A Concise Overview

  • The cheapest car insurance companies in Boise City, ID are USAA and State Farm
  • Boise City, ID auto insurance rates average at $220/mo
  • Boise City, ID is the 37th most congested city in the country, which can raise auto insurance rates

You must know the Boise City, ID auto insurance requirements if you plan to drive in the city. One of the best ways to save on Boise City, Idaho auto insurance is to shop around and compare rates. You should also ask about discounts you may qualify for.

Car insurance companies consider age, marital status, gender, driving history, and credit score to adjust your rates. Even Boise City, ID weather can affect your rates. Read this article to find out everything you need to know to make an informed decision on auto insurance coverages in Boise City.

Shop for affordable Boise City, ID auto insurance right here. Use your ZIP code in the free tool on this page to start comparing Boise City, ID auto insurance quotes today.

What is the cheapest auto insurance company in Boise City, ID?

Based on average rates, the cheapest auto insurance company in Boise City is USAA. Since it’s only available to military members and their families, the next cheapest auto insurance company is State Farm.

We’ve ranked the top car insurance companies in Boise City, ID, from cheapest to most expensive:

  • USAA – $1,643.95
  • State Farm – $1,801.29
  • Liberty Mutual – $2,101.28
  • GEICO – $2,436.30
  • Nationwide – $2,546.27
  • Farmers – $3,047.93
  • Travelers – $3,076.93
  • American Family – $3,470.35
  • Allstate – $3,722.59

These rates are averages that can be used as a baseline while you’re shopping for coverage in Boise City. However, as we mentioned earlier, there are a number of factors that can affect your individual rates, including where you live, how you drive, your age, whether or not you’re married, and more.

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What auto insurance coverage is required in Boise City, ID?

To drive legally in Boise City, ID, you’ll have to meet the state’s minimum coverage requirements.

If you live and drive in Idaho, you’ll have to carry coverage of at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $15,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage (though this can be rejected in writing)

Idaho is a “fault” state, meaning that whoever is at fault in an accident is financially responsible (or their insurance company is) for resulting damages.

While the coverages listed here will ensure you can legally drive when you’re planning to buy Boise City, ID auto insurance, you should consider carrying more than the minimum coverage.

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What affects auto insurance rates in Boise City, ID?

Traffic and crime are both factors that can affect auto insurance. Boise City is the most populated city in Idaho, so traffic can be a problem that can mean more car accidents (which can mean higher insurance rates).

INRIX ranks Boise City as the 37th most congested city in the U.S., meaning you’ll be spending some time in traffic when you drive in Boise City. According to City-Data, the average commute time in Boise City is 17.6 minutes.

Auto theft can also affect Boise City rates, and according to recent FBI statistics, about 152 vehicles are stolen per 100,000 people.

Boise City, ID Auto Insurance: The Bottom Line

As the largest city in Idaho, you’ll find Boise City has some of the highest insurance rates in the state, largely due to the higher traffic and crime rates in the city, compared to other areas in the state.

Comparing rates from multiple companies is one of the best ways to save on car insurance. If you’re ready to get started, use your ZIP code in our free tool to compare Boise City, ID auto insurance rates right now.

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