Cheapest Auto Insurance in Boise, Idaho (2025)

The average cost of car insurance in Boise is $94 per month, which is only a little more than the overall average in Idaho of $85. Drivers in Boise generally benefit from inexpensive rates, but State Farm, USAA, and American Family offer the cheapest average rates in the city.

Idaho is one of the least populated states in the U.S., which may explain why drivers there pay low rates. Here’s what you need to know about Boise car insurance, including average rates, key factors to consider, and top strategies to help you compare quotes to find the most budget-friendly options.

3 of the cheapest car insurance companies in Boise

When searching for car insurance in Boise, you shouldn’t only consider the cost. You must also consider your unique circumstances, including your driver profile, vehicle type, and coverage needs. For example, an insurer that works well for your friend might not offer the best coverage and discounts for you.

A few of the best auto insurers in Boise include USAA, GEICO, and Allstate. These insurers provide affordable coverage for different types of drivers in the city, including veterans, high-risk drivers, and commuters. The averages listed below represent each insurer’s nationwide averages.

Best insurer for veterans: USAA

Best insurer for drivers with a DUI: GEICO

Best insurer for commuters: Allstate

How to get the cheapest car insurance in Boise

Insurers consider your driving history, age, vehicle type, credit score, and ZIP code to determine premiums. To find budget-friendly coverage, consider these strategies:

• Bundle policies. Opt for the convenience and savings of bundling your auto insurance with other policies, like home or renters insurance. Most insurers offer a bundling discount.

• Maintain good credit. A solid credit score can lead to lower premiums. You can improve your credit by making on-time payments.

• Drive safely. Maintain a clean driving record and consider enrolling in a defensive driving course for potential discounts.

• Choose a safe car. Driving a vehicle with advanced safety features and lower theft rates can lead to reduced insurance costs.

• Compare quotes. Shop around to get quotes from multiple insurance companies to make sure you’re paying the best rate.

Cheapest liability-only car insurance in Boise: Auto-Owners

Liability-only car insurance meets Idaho’s state minimum requirements. However, it doesn’t cover repairs to your car or medical bills after an accident. It only covers the other driver’s vehicle damage and medical expenses.3

If you’re looking to save on premiums, liability-only insurance is your cheapest coverage option. Liability-only policies in Boise cost $70 per month, on average. This policy type works best for drivers with old or inexpensive vehicles. Here are some of the cheapest liability-only car insurance options in Boise.

Cheapest full-coverage car insurance in Boise: Auto-Owners

Full-coverage car insurance expands your protection to include repairs to your car following an accident, vandalism, and more through collision and comprehensive coverages. It’s a great option if you drive a newer vehicle, have a loan or lease agreement, or want more financial protection than a minimum-coverage policy can provide.

Drivers in Boise pay an average of $118 per month for full-coverage insurance. Find the cheapest full-coverage car insurance quotes in Boise below.

Car insurance requirements in Idaho

The Idaho Department of Insurance requires drivers to carry two types of liability coverage to meet legal requirements: bodily injury and property damage. Idaho auto insurers must also offer drivers uninsured and underinsured motorist protection, but state law doesn’t require drivers to purchase it.4

Idaho is an at-fault state.5 If you cause a car accident, you’re responsible for covering the other driver’s expenses for their injuries and vehicle damage. Your insurer only covers costs up to your auto insurance policy limit, so you may want to purchase higher coverage limits to avoid the financial strain of paying out of pocket.

Customization is key to finding the right amount of coverage that aligns with your needs. You have several optional coverages to choose from if you want to purchase more than liability-only insurance. Common offerings include:

Cheapest car insurance for drivers with an incident

A driving incident can refer to an at-fault accident, speeding ticket, DUI, or other moving violations on your record. Because auto insurers associate existing incidents on your record with higher risk, they charge more to account for the higher likelihood of accidents and claims.6

Your rate can increase after an incident. Some policyholders might see a modest increase, but rates could double for others. Your insurance company, driving history, and the type of incident on your record play a role in the cost of car insurance.

Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Speeding tickets made up 46% of traffic violations in Idaho in 2021, according to data from the Idaho Transportation Department Office of Highway Safety. If you get a speeding ticket in Boise, you may need to visit the Ada County courthouse to pay a fine.7 But you’ll also likely face higher car insurance prices because insurers view speeding as risky behavior.

The average cost of car insurance for drivers with a speeding ticket in Boise is $158 per month for full coverage and $94 for liability only. Here are some of the cheapest car insurance companies for Boise drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

If you’ve had an at-fault accident, you’ll likely see increased premiums due to the higher risk you now pose to insurance companies. Your specific rate increase will depend on the severity of the accident, your driving history, and the insurer’s policies.

Like in many other states, auto accidents are a concern in Idaho. The state had 22% more car accidents in 2021 than in 2020, with 6,769 total crashes in Ada County, according to the Idaho Transportation Department. In Boise, the average cost of car insurance for drivers with an accident is $156 per month for full coverage and $92 for liability only.

Find the cheapest quotes for Boise drivers with an at-fault accident below.

Cheapest car insurance for drivers with a DUI: Auto-Owners

If you get a DUI in Boise, you’ll face a misdemeanor violation, up to six months in jail, up to $1,000 in fines, and license suspension for 90 to 180 days. It can also lead to a significant increase in your auto insurance rates because of the offense’s severity. In Idaho, DUI arrests are most common among drivers between the ages of 21 and 25.

Boise drivers pay an average of $190 per month for full coverage and $113 for liability after a DUI conviction. Here are the cheapest quotes for Boise drivers with a DUI on their record.

Cheapest car insurance for seniors: Auto-Owners

Senior drivers tend to have much lower rates than younger drivers. Average rates decrease steadily for drivers between the ages of 35 and 70. Older drivers can see slight rate increases around the age of 70 due to an increase in fatal accident rates. In Idaho, where more than 22% of drivers are 65 or older, senior drivers account for 11% of car accidents in the state.

The average cost of car insurance for senior drivers in Boise is $92 per month for full coverage and $55 for liability only. Here are the cheapest monthly quotes for senior drivers in Boise.

Cheapest car insurance for teens: Auto-Owners

Teenagers often pay the highest car insurance rates due to a lack of experience on the road and a higher likelihood of demonstrating risky driving behavior. In Idaho, young drivers between the ages of 16 and 24 account for 14% of road traffic, but they hold the highest car crash rate of 26%. Teen drivers in Boise pay an average of $291 per month for full coverage and $173 for liability only.

To get more affordable coverage as a teen driver, you can consider joining your parents’ insurance policy, opting for a safe and reliable car, and taking advantage of good student discounts.

Teen drivers in Boise can find the cheapest monthly quotes from the companies below.

Boise car insurance quotes by credit tier

Idaho law allows insurers to consider your credit history when setting premiums. Drivers with higher credit scores tend to earn lower premiums. In Boise, drivers with poor credit typically pay higher rates than people with excellent or good credit.

Here are the average quotes for full-coverage insurance in Boise by credit tier.

Is car insurance more expensive in Boise?

Boise car insurance is $94 per month, on average. The cost is cheaper than the national average rate of $143, which provides some financial relief to local drivers. However, car insurance rates can fluctuate by neighborhood and ZIP code due to factors like population density, crime rates, and traffic patterns.

For instance, Meridian sits just 10 miles west of Boise, but residents there pay more for car insurance. Traffic bottlenecks are a problem in Meridian and could result in these higher average premiums. City leaders frequently work with Ada County Highway District and the ITD to help ease traffic flow.

More cities in Idaho

Of the Idaho cities below, Pocatello has the lowest full-coverage car insurance premium. On average, drivers in Pocatello pay less than the full-coverage average in Boise of $118 per month. You can see how quotes for car insurance in other Idaho cities compare below.

Boise car insurance FAQs