Best Car Insurance Rates in Boise, Idaho

On average your neighbors pay $47 a month.

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Compare Car Insurance in Boise

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.

Average Boise Insurance Rates

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.

Idaho Average Annual Car Insurance Rates
Coverage Rates
Liability $344.29
Collision $219.05
Comprehensive $116.55
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.

Idaho average car insurance rates

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.

Best Car Insurance Companies in Boise, ID

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.

Top 10 Vehicles in Boise

These are the most popular makes and models owned by Boise, ID QuoteWizard users.

  1. Ford F-150/Supercrew
  2. Toyota Camry LE
  3. Ford Focus SE
  4. Ford Ranger
  5. Ford Explorer
  6. Honda Accord EX
  7. Ford Mustang
  8. Ram 1500
  9. Kia Soul
  10. Toyota Prius

Minimum Car Insurance Requirements in Boise, ID

Boise, Idaho requires all its drivers to carry minimum liability coverage. The minimum is 25/50/20. This means your policy must include:

  • $25,000 Individual Bodily Injury Liability (BIL):
    The max amount paid for a person injured in a car accident.
  • $50,000 Total Bodily Injury Liability:
    The total amount paid for every person injured in a car accident.
  • $15,000 Property Damage Liability (PDL):
    The max amount paid for property damage caused by a car accident.

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. 

Recommended Coverage Levels

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:

  • Individual Body Injury Liability: $100,000 
  • Total Bodily Injury Liability: $300,000 
  • Property Damage Liability: $100,000 

Boise Drivers

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.

Driving Conditions

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.

Road Conditions

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.

Traffic Congestion

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.

Moving Violations

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.

Traffic Tickets

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.

DUI and DWAI Arrests

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.

SR-22 DUI/DWAI Insurance

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.

Car Accident Statistics

Drivers pay more for insurance in areas with high accident rates. In 2017, Boise police reported 3,969 crashes.

Traffic Fatalities

Boise reported 17 crash fatalities in 201. That is a 240 percent increase from five fatalities in 2016.

Vehicle Theft Rates

Drivers in high car theft areas pay more for car insurance. Boise Police reported 58 auto thefts in 2017.

Save With Car Insurance Discounts

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:

  1. If you’re 55 or over, see if a senior citizens discount is available 
  2. Have more than one car? Look into a multiple car discount
  3. There are discount rates for active and retired members of the Military, National Guard, or Reserves
  4. Take a certified defensive driving course 
  5. Make sure your car as up-to-date safety features and anti-theft devices
  6. Bundle your car insurance with your home or renters insurance, you can cut up to 15 percent off your total bill LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.