On average your neighbors pay $47 a month.See Your Rates
Boise is America’s top biking town, but plenty of people still travel by car. If you’re a Boise driver looking for a great deal on car insurance, QuoteWizard can help you. This page covers Boise’s insurance rates, laws, companies, and more.
How much does car insurance cost in Boise, ID? Drivers here have it good. Average car insurance in Idaho costs $573.83 per year. The national annual average is $889.01.
Prices may vary based on your zip code, traffic conditions, and crime rates.
|Total Cost Per Year||$573.83|
|Price Per Month||$47.82|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the average Idaho insurance rates from 2011 to 2015. This is the most recent data available. The Insurance Information Institute shows Boise car insurance increased from $535 in 2011 to $573 in 2015. This is a jump of $38 dollars, or 7.22 percent.
QuoteWizard helps consumers compare quotes from national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Boise, Idaho and save up to 40% on your premium.
Last year, 8,556 people used QuoteWizard to compare car insurance quotes in Boise, ID from multiple companies to get the cheapest rates.
These are the most popular car insurers reported by QuoteWizard users in Boise, Idaho. Of the Boise residents that used QuoteWizard last year, 1,037 were uninsured when they requested a quote.
These are the most popular makes and models owned by Boise, ID QuoteWizard users.
Boise, Idaho requires all its drivers to carry minimum liability coverage. The minimum is 25/50/20. This means your policy must include:
Idaho also requires drivers to carry uninsured and underinsured motorist coverage at $25,000 per person and $50,000 per accident. However, you can opt out of this coverage by signing a form.
Minimum coverage may seem cheaper, but it’ll cost you after an accident. Why? It doesn’t include collision or comprehensive coverage.
Minimum coverage pays for damages to others and their property. However, it doesn’t cover your damages. If you have an accident with only minimum coverage, your expenses are out-of-pocket.
Given that, we recommend the following coverage:
Insurance is more expensive in areas with a high rate of accidents. How does Boise fare?
QuoteWizard ranked state and city drivers from best to worst. According to our data, Boise came in as the 27th worst driving city. Idaho came in 9th worst driving state. Those numbers aren’t a great sign for Boise’s policyholders.
Factors such as weather, road conditions, and traffic can affect your insurance rates. Areas with riskier driving conditions generally have higher premiums.
Boise gets an average of 31 inches of snow a year. This is five inches more than the national average. Winter driving in Boise requires a lot of prep. Visibility, tire control, and road quality are both issues during the colder months.
The Infrastructure Report Card reports that 15% of Idaho's roads are in poor condition. Driving on bad roads costs Idaho drivers $376 a year in extra car operating costs.
Spending less time in your car lowers your chances of an getting into an accident. The average commute time in Boise is 18 minutes. This is 31 percent less than the national average commute time of 25 minutes.
Citations and at-fault accidents hurt your driving record. Drivers with tickets and accidents on their record pay more for car insurance. If you rack up enough accidents or citations, you might even get dropped by your insurance company.
Boise Police reported 1,240 traffic offenses in 2017. This is a 15.2 percent decrease from the 1,463 offenses in 2016. Getting traffic tickets can contribute to higher insurance rates.
A DUI can affect your insurance rates. Our study found that a DUI raises your insurance rates by $830 per year. In 2017 Boise Police made 876 DUI arrests. This is down 10.9 percent from the 903 DUI arrests made in 2016.
Idaho drivers with a suspended license due to DUI must file an SR-22 form. You are required to carry the SR-22 for three years. If you fail to renew your SR-22 15 days before expiration, the DMV is notified and your license is suspended.
Drivers pay more for insurance in areas with high accident rates. In 2017, Boise police reported 3,969 crashes.
Boise reported 17 crash fatalities in 201. That is a 240 percent increase from five fatalities in 2016.
Drivers in high car theft areas pay more for car insurance. Boise Police reported 58 auto thefts in 2017.
Are you looking for affordable car insurance? Discounts are one of the best ways to lower insurance rates. These are some of the many auto insurance discounts Boise drivers can use. Get a quote and find out which discounts you qualify for.
Looking for ways to get a discount? Boise drivers have many options:
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