The three most affordable car insurance providers in Boise are State Farm, Idaho Farm Bureau and USAA. Insurance rates can differ based on your driving history and the level of coverage you choose. Below is a breakdown of various categories, highlighting the most affordable company for each.
Cheapest Car Insurance in Boise, ID
Updated: December 11, 2024
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Key Takeaways
The five cheapest car insurance companies in the City of Trees are State Farm, American National P&C, Idaho Farm Bureau, Auto-Owners Insurance Co and American Family.
For the lowest monthly rates, expect to pay $21 for state minimum coverage and $46 for full coverage.
On average, residents pay around $38 monthly for minimum coverage and $72 for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Idaho Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Boise
| State Farm | Minimum Coverage | $21 |
| State Farm | Full Coverage | $46 |
| State Farm | Teens | $100 |
| State Farm | Young Adults | $26 |
| State Farm | Senior Drivers | $20 |
| Idaho Farm Bureau | Drivers With Bad Credit | $40 |
| State Farm | Drivers With a Speeding Ticket | $24 |
| State Farm | Drivers With a DUI | $24 |
| State Farm | Drivers With an Accident | $26 |
| USAA | Military Affiliated Drivers | $16 |
Cheapest Car Insurance Coverage in Boise
Finding the cheapest car insurance in Boise requires comparing rates from different providers. Your age, driving history, vehicle type and coverage needs affect your insurance costs. While you might find affordable options statewide, remember that the cheapest car insurance in Idaho may not be the lowest in Boise. Comparing car insurance quotes is key to securing a budget-friendly plan.
Cheapest Minimum Coverage Car Insurance in Boise
State Farm offers the cheapest minimum coverage car insurance in Boise at $21 per month, followed by American National P&C at $22. Check the table below for more providers offering great rates for minimum car insurance.
| State Farm | $21 | $17 |
| American National P&C | $22 | $16 |
| Idaho Farm Bureau | $26 | $12 |
| Auto-Owners Insurance Co | $27 | $11 |
| American Family | $29 | $9 |
| GEICO | $29 | $9 |
| Farmers | $35 | $3 |
| Travelers | $38 | $0 |
Cheapest Full Coverage Car Insurance in Boise
State Farm offers the most affordable full coverage car insurance in Boise at $546 per year. Check the table below to see providers with the best rates for full coverage car insurance.
| American National P&C | $48 | $24 |
| American Family | $51 | $20 |
| Auto-Owners Insurance Co | $55 | $16 |
| Idaho Farm Bureau | $56 | $16 |
| GEICO | $57 | $15 |
| Travelers | $69 | $3 |
| Farmers | $69 | $2 |
| State Farm | $46 | $26 |
Cheapest Car Insurance in Boise by Age
In Boise, car insurance rates change with age. Young drivers pay more because they're new on the road. Over time, these costs usually go down but can go up after 70. Below, you can find the most affordable options for teens, young adults and seniors.
Cheapest Car Insurance in Boise for Teens
For Boise residents, the cheapest car insurance for teens is from Auto-Owners Insurance Co, Nationwide and State Farm. Check the table below to find the lowest rates for car insurance for teens.
| State Farm | $100 | $22 | $125 | $126 |
| Auto-Owners Insurance Co | $109 | $14 | $135 | $116 |
| Nationwide | $109 | $13 | $233 | $18 |
Cheapest Car Insurance in Boise for Young Adults
State Farm offers the cheapest minimum coverage car insurance for young adults in Boise at $307 per year, 47% cheaper than the city average. The next three affordable options are American National P&C, American Family and Auto-Owners Insurance Co.
| State Farm | $26 | $23 |
| American National P&C | $27 | $22 |
| American Family | $30 | $18 |
| Auto-Owners Insurance Co | $37 | $12 |
| GEICO | $38 | $11 |
| Idaho Farm Bureau | $39 | $9 |
| Farmers | $41 | $8 |
| Travelers | $43 | $5 |
Cheapest Car Insurance in Boise for Seniors
State Farm offers the cheapest car insurance for seniors in Boise at $241 annually. Discover more about car insurance for seniors to make informed decisions. Check the table below to explore other providers and the best rates for senior drivers.
| State Farm | $20 | $19 |
| Idaho Farm Bureau | $22 | $17 |
| American National P&C | $26 | $13 |
| Auto-Owners Insurance Co | $28 | $11 |
| American Family | $29 | $10 |
| GEICO | $31 | $8 |
| Farmers | $35 | $4 |
Cheapest Car Insurance in Boise for Drivers With Bad Credit
Having a poor credit-based insurance score can lead to higher premiums than those with good scores. For affordable options, Idaho Farm Bureau offers a minimum coverage rate of $484 and GEICO at $556 yearly for cheap car insurance for drivers with bad credit. Review the table below for more options from other providers.
| Idaho Farm Bureau | $40 | $25 |
| GEICO | $46 | $19 |
| American Family | $49 | $17 |
| Farmers | $54 | $11 |
| Travelers | $56 | $9 |
| Allstate | $64 | $1 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can still lower car insurance costs by using available discounts and comparing personalized quotes. Consider the best home and auto bundle insurance policies for savings or improve your credit over time to help reduce rates.
Cheapest Car Insurance in Boise After a Driving Offense
Insurance providers assess risk by evaluating your driving record when calculating car insurance premiums. Violations like speeding tickets, accidents or DUIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations will be more expensive than those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Boise After a DUI
Drivers with a DUI in Boise can still find affordable car insurance. State Farm offers the cheapest minimum coverage at $286 annually. Check the table below to explore other provider options and the best rates for drivers with a DUI.
| State Farm | $24 | $40 |
| American Family | $30 | $34 |
| American National P&C | $36 | $28 |
| Farmers | $52 | $12 |
| Idaho Farm Bureau | $56 | $8 |
| Travelers | $60 | $4 |
| Allstate | $63 | $1 |
Cheapest Car Insurance in Boise After an Accident
State Farm offers the most affordable minimum coverage car insurance for drivers with an at-fault accident record in Boise at $315 annually. Check the table below for the best car insurance company with the most affordable rates.
| State Farm | $26 | $25 |
| American Family | $30 | $21 |
| Auto-Owners Insurance Co | $31 | $20 |
| American National P&C | $32 | $19 |
| Idaho Farm Bureau | $33 | $18 |
| Nationwide | $49 | $3 |
Cheapest Car Insurance in Boise After a Ticket
State Farm offers the most affordable car insurance for drivers with a speeding record in Boise at an annual rate of $286. Idaho Farm Bureau follows closely with a rate of $319. Check the table below to explore options from other providers and find the best car insurance company with affordable rates.
| State Farm | $24 | $21 |
| Idaho Farm Bureau | $27 | $18 |
| Auto-Owners Insurance Co | $27 | $18 |
| American National P&C | $27 | $18 |
| American Family | $30 | $15 |
| GEICO | $34 | $11 |
Cheapest Car Insurance in Boise for Military Drivers
Military drivers in Boise, including active-duty members, veterans and their families, often find special discounts and competitive rates on car insurance. Among the cheapest car insurance providers for military drivers, USAA offers a rate of $190 annually, while State Farm provides coverage for $253 annually for minimum coverage.
| USAA | $16 | $20 |
| State Farm | $21 | $15 |
| American National P&C | $22 | $14 |
| Idaho Farm Bureau | $26 | $10 |
| Auto-Owners Insurance Co | $27 | $10 |
| American Family | $29 | $7 |
| GEICO | $29 | $7 |
| Farmers | $35 | $1 |
How Much Does Car Insurance Cost in Boise?
In Boise, full coverage car insurance averages $860 per year. State minimum coverage is less, at $457 annually. These rates are for a 40-year-old with good credit and a clean driving record — your rate may vary if you do not fit that profile.
Boise Auto Insurance Cost by Driver Profile
See how your auto insurance compares. Below is a table with average costs for different driver profiles to help you find affordable plans.
| Teen Drivers | No Data | $251 |
| Young Adults | $49 | $91 |
| Senior Drivers | $39 | $70 |
| Drivers With Bad Credit | $65 | $125 |
| Drivers With a Speeding Ticket | $45 | $84 |
| Drivers With a DUI | $64 | $116 |
| Drivers With an Accident | $51 | $96 |
| Military Affiliated Drivers | $36 | $68 |
How Expensive Is Car Insurance Boise?
In Boise, minimum coverage car insurance costs about 7% more than Idaho's average at $38 monthly. Full coverage is equally affordable, matching the state's average rate of $72 monthly. Smart choices lead to savings, even with slight cost differences.
| Boise Avg Rate | $38 | $72 |
| Idaho Avg Rate | $36 | $72 |
| vs Idaho Avg Rate | $-3 | $0 |
Car Insurance Requirements in Boise
In Idaho, drivers are legally required to have car insurance with minimum coverage limits. These limits ensure that in the event of an accident, there is some financial protection in place for bodily injury and property damage inflicted on others.
The state mandates the following minimum coverages:
- $20,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $15,000 for property damage liability per accident.
An auto insurance policy acts as a safety net, covering costs for damages or injuries you may cause to others if you're at fault in a collision. This liability coverage is a fundamental aspect of driving responsibly and legally in Idaho.
For example, if you're responsible for an accident that injures another person, your bodily injury liability coverage would pay up to $20,000 for that individual's medical expenses. This coverage is part of the state's minimum insurance requirements.
If you're in Boise and need to provide proof of insurance, such as SR-22 insurance in Boise, these coverage limits represent the minimum you must maintain to comply with state laws.
Cheapest Car Insurance in Boise: Bottom Line
The cheapest car insurance in Boise depends on your age, driving record and other things. State Farm and USAA often have the lowest prices, but it's smart to look at different quotes to ensure you get a good deal.
Cheap Boise Car Insurance: FAQ
MoneyGeek helps you find affordable car insurance in Boise by answering common questions. We guide you to the best coverage options for your needs, ensuring you make informed decisions.
What is the cheapest car insurance company in Boise, ID?
The cheapest car insurance company in Boise, ID, is State Farm, with average monthly rates of $$21 for minimum coverage and $46 for full coverage. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Boise, ID?
The average cost of car insurance in Boise, ID, is around $860 per year for full coverage, while minimum coverage averages approximately $457 per year. These rates can vary depending on your specific circumstances.
Is car insurance in Boise, ID, expensive?
Yes, car insurance in Boise, ID, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Boise, ID
To help Boise drivers find the most affordable auto insurance companies, MoneyGeek analyzed Boise auto insurance rates based on data and information from the Idaho Department of Insurance and Quadrant Information Services.
Boise Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Boise with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Boise
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Idaho are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.