Cheapest Auto Insurance Quotes in Boise, Idaho
State Farm has the cheapest car insurance in Boise, at $54 per month for full coverage and $23 per month for liability-only insurance.
Compare Car Insurance Rates in Boise
Best cheap auto insurance in Boise, Idaho
How we chose the top companies
Best and cheapest car insurance in Boise
- Cheapest full coverage: State Farm, $54/mo
- Cheapest minimum liability: State Farm, $23/mo
- Cheapest for young drivers: State Farm, $79/mo
- Cheapest after a ticket: State Farm, $58/mo
- Cheapest after an accident: State Farm, $64/mo
- Cheapest for teens after a ticket: State Farm, $87/mo
- Cheapest after a DUI: Travelers, $159/mo
- Cheapest for poor credit: State Farm, $107/mo
Monthly rates are for a full coverage car insurance policy for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm has the best mix of cheap rates and dependable customer service in Boise. USAA is also an excellent option, but only military members, veterans and some of their family members can buy a policy.
Cheapest car insurance in Boise: State Farm
State Farm has the cheapest full coverage insurance in Boise.
A full coverage policy from State Farm costs an average of $54 per month, which is around half the Boise average.
Drivers with military ties should also get a quote from USAA, where full coverage costs $56 per month. USAA has the best customer service in Idaho, so it may be worth a few extra dollars per month. However, only military members, veterans and some of their family members can get insurance from USAA.
Compare Car Insurance Rates in Boise
The average cost of car insurance in Boise is $102 per month for a full coverage policy. That's $9 per month less than the Idaho average.
Cheapest full coverage auto insurance in Boise
Company | Monthly rate | |
|---|---|---|
| State Farm | $54 |
| Geico | $88 |
| Farm Bureau | $90 |
| Auto-Owners | $98 |
| American Family | $103 |
*USAA is only available to current and former military members and their families.
Cheapest liability-only insurance in Boise: State Farm
State Farm has the cheapest minimum liability car insurance quotes in Boise for most people.
The average cost of a minimum liability policy from State Farm is $23 per month. That's around half the Boise average, which is $43 per month.
Cheap minimum coverage car insurance in Boise, ID
Company | Monthly rate |
|---|---|
| State Farm | $23 |
| Geico | $35 |
| Auto-Owners | $39 |
| Farm Bureau | $39 |
| American Family | $42 |
*USAA is only available to current and former military members and their families.
Compare Car Insurance Rates in Boise
USAA has the absolute cheapest minimum liability rates in Boise, at $22 per month. But only military members, veterans and some of their family members can buy USAA insurance.
Cheapest Boise car insurance for teens: State Farm
State Farm has the most affordable car insurance for young drivers in Boise, ID.
A minimum liability policy from State Farm costs around $79 per month for an 18-year-old. That's less than half the Boise average.
State Farm also has the cheapest full coverage rates for Boise teens. At $173 per month, full coverage from State Farm is also less than half the citywide average.
Cheap Boise, Idaho auto insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $79 | $173 |
| Farm Bureau | $87 | $196 |
| Auto-Owners | $129 | $270 |
| Geico | $138 | $317 |
| Travelers | $161 | $328 |
*USAA is only available to current and former military members and their families.
Most young drivers have a hard time finding affordable insurance. You can save money on your car insurance by:
- Sharing a policy with your parents. Your parents' car insurance rates will increase, but it's still typically much cheaper than buying two separate policies.
- Asking about discounts. Most companies have discounts geared toward young drivers to help you save. For example, State Farm's Steer Clear program offers a discount to young drivers who practice with an older driver and take a series of online classes.
Cheapest car insurance in Boise after a speeding ticket: State Farm
State Farm has the cheapest car insurance in Boise for drivers with a recent speeding ticket. Full coverage from State Farm costs an average of $58 per month after your first ticket. That's less than half the citywide average.
Affordable auto insurance in Boise after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $58 |
| Farm Bureau | $90 |
| Auto-Owners | $98 |
| Geico | $114 |
| American Family | $124 |
*USAA is only available to current and former military members and their families.
On average, car insurance quotes in Boise go up by 20% after one speeding ticket. That's an increase of $20 per month for full coverage insurance.
Cheapest car insurance in Boise after an accident: State Farm
State Farm has the lowest full coverage car insurance quotes in Boise after an at-fault accident, at $64 per month. That's less than half the Boise average of $156 per month.
Best cheap Boise auto insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $64 |
| Farm Bureau | $117 |
| Auto-Owners | $148 |
| Travelers | $153 |
| Geico | $165 |
*USAA is only available to current and former military members and their families.
Full coverage car insurance in Boise goes up by around 53% after an at-fault accident.
Don't worry about switching car insurance companies right after your accident. Your bill won't go up until your current policy expires.
Instead, wait until your insurance company sends your renewal offer. This usually comes a few weeks to a month before your policy expires. Then, you should compare quotes from multiple companies to find the best rate for you.
Cheap quotes for Boise teens with a bad record: State Farm
State Farm has the cheapest car insurance for young drivers in Boise with a speeding ticket or accident on their record.
After a speeding ticket, minimum liability insurance from State Farm for an 18-year-old costs $87 per month. That's less than half the Boise average.
Teens with a speeding ticket should also compare quotes from Farm Bureau, which costs only a few dollars more per year than State Farm, on average. However, your rates from Farm Bureau could be lower depending on factors like your age and where in Boise you live.
State Farm also has the cheapest rates after an accident. At $95 per month, minimum liability insurance from State Farm costs less than half the citywide average after a crash.
Cheapest quotes in Boise for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| State Farm | $87 | $95 |
| Farm Bureau | $87 | $114 |
| Auto-Owners | $150 | $207 |
| Geico | $161 | $179 |
| Travelers | $200 | $229 |
*USAA is only available to current and former military members and their families.
On average, auto insurance quotes for teens in Boise go up by 18% after one speeding ticket and 39% after an at-fault accident. That's a smaller increase than most adults see because teens are already considered risky drivers, even with a clean record.
Cheapest car insurance in Boise, ID after a DUI: Travelers
Travelers has the most affordable auto insurance for Boise drivers with a DUI. A full coverage policy from Travelers costs around $159 per month, which is $43 per month less than the city average.
Drivers with a DUI should also get a quote from State Farm. Full coverage from State Farm costs an average of $11 per month more than Travelers.
However, State Farm has much better customer service reviews than Travelers. State Farm's great service could be worth the extra cost if you're in an accident in the future.
Cheapest Boise, Idaho insurance companies after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $159 |
| State Farm | $170 |
| Farm Bureau | $200 |
| Allstate | $207 |
| American Family | $212 |
*USAA is only available to current and former military members and their families.
Boise drivers with a DUI pay nearly twice as much for full coverage insurance as those with a clean record. That's because insurance companies believe drivers with DUIs are more likely to cause an accident in the future.
In addition, you may need to get SR-22 insurance after a DUI in Idaho. Most companies charge between $15 and $50 to file an SR-22 form for you, on top of any increase in your insurance rates.
Cheapest Boise auto insurance for drivers with poor credit: State Farm
State Farm has the least expensive rates for Boise drivers with poor credit. At $107 per month, full coverage from State Farm costs $55 per month less than the citywide average for drivers with bad credit.
Affordable car insurance for drivers with poor credit
Company | Monthly rate |
|---|---|
| State Farm | $107 |
| Geico | $126 |
| Farm Bureau | $136 |
| Auto-Owners | $152 |
| American Family | $157 |
*USAA is only available to current and former military members and their families.
Drivers with a poor credit score pay 59% more for car insurance in Boise, on average. That's because car insurance companies believe that people with bad credit are more likely to file a claim in the future.
Average car insurance cost in Boise by neighborhood
People living in South Boise Village and the North Bench area pay the cheapest car insurance rates in Boise.
People living in these neighborhoods pay around $100 per month for full coverage
The North End neighborhood has the highest car insurance rates in the city, at $106 per month. Rates fluctuate across the city because of many factors, including accident rates, traffic, road conditions and car thefts.
Full coverage car insurance quotes by Boise ZIP code
ZIP | Monthly Rate | % from average |
|---|---|---|
| 83702 | $101 | -1% |
| 83703 | $102 | 0% |
| 83704 | $103 | 1% |
| 83705 | $100 | -2% |
| 83706 | $100 | -2% |
What's the best car insurance coverage in Boise, ID?
Full coverage car insurance is the best choice for most people in Boise.
Full coverage meets the minimum requirements to drive in Idaho, and it also includes comprehensive and collision coverage.
- Collision coverage pays for damage if you crash into another vehicle or a fixed object, regardless of whose fault it is.
- Comprehensive coverage pays for damage from "acts of God" or events outside your control. This includes fires, theft or hitting an animal on the road.
If you have a car loan or lease, your lender probably requires you to have collision and comprehensive coverage. You should also consider these coverages if your car is fewer than eight years old or worth more than $5,000.
While a minimum liability policy is the least expensive option, it doesn't protect your car if you get into an accident. In addition, minimum liability limits may not be high enough to fully cover the cost of a serious accident.
For example, if you hit and total a brand new car, $15,000 of property damage liability probably won't be enough to cover the cost to replace it. You'll have to pay the difference, which could get very expensive.
Frequently asked questions
What is the cheapest car insurance in Boise, Idaho?
State Farm has the cheapest quotes for most people in Boise, at $54 per month for full coverage car insurance and $23 per month for minimum liability insurance.
How much is Geico in Boise, Idaho?
Geico charges an average of $88 per month for full coverage insurance in Boise. That makes Gieco the second-cheapest company in the city. However, it's still $34 per month more than the cheapest company, State Farm.
What is the best car insurance company in Boise, Idaho?
State Farm is the best car insurance company in Boise for most people due to its affordable rates and great customer service. USAA also has cheap quotes and excellent service, but it's not always as affordable as State Farm.
Methodology
To find the best cheap car insurance in Boise, ValuePenguin collected data from nine of the largest insurance companies in Idaho. Rates are for a 30-year-old man with good credit and a clean driving record who owns a 2015 Honda Civic EX.
Full coverage rates include higher liability limits than the Idaho state requirement along with collision and comprehensive coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- 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 insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
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.