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Do you need cheap auto insurance in Boise, ID? At AutoInsuranceEZ.com, you can easily find the best insurance rates locally. To get free car insurance quotes from the best providers today, enter your zip code into the quote box on this page.

Did you know that Boise is known as the “City of Trees”? Due to its history of agricultural fertility and amicable climate, the city has a reputation for having a high quality of life several years running. Additionally, the success of public and private enterprise has helped to make Boise a major city in the Rocky Mountain region.

  • Fun fact: Did you know that Boise is #4 on the list of “Top 101 cities with largest percentage of females working in industry: Wood products (population 50,000+)”? Learn more about Boise, Idaho.

Auto Insurance Coverage Requirements in Idaho

Driving legally in Idaho requires that you purchase the following types of insurance:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 15,000 50,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Liability insurance is the only state-mandated requirement, but that doesn’t mean you should necessarily limit yourself to it. In truth, it all depends on what type of vehicle you drive. Newer models will necessitate more coverage, whereas older vehicles are probably fine with less coverage.

Your typical Idaho motorist is probably paying somewhere in the neighborhood of about $88 per month for their auto policy. However, Boise residents can get a policy for as little as $26/mo* – but only if you act fast.

Average Monthly Auto Insurance Premiums Legend: Boise State Farm Allstate Allied Nationwide Liberty Mutual 5 10 15 20 25 30 35 $20 $36 $27 $26 $21

 

According to our chart, Liberty Mutual, State Farm, and Oregon Mutual are offering some of the best rates right now in Boise. Keep in mind, though, that low rates aren’t everything. You should also be looking for a company with a good customer service rating and a solid claims filing process.

Auto insurance carriers evaluate several factors when figuring out insurance quotes, including driving violations, accident claims, occupation, miles driven each year, and business use of the vehicle. In addition, premiums differ from provider to provider. To make sure you’re still receiving the most favorable rate, learn more about auto insurance in Idaho here.

Major Car Insurance Factors in Boise

Insurance companies take many factors into account when crafting an auto insurance policy. Unfortunately, a great number of variables are difficult or impossible to change, such as your driving experience or the make/model of your car. Other elements your car insurance company may consider include:

  • Your Zip Code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Boise is 214,237 and the median household income is $47,847.

Auto Insurance by Zip Code Legend: Boise Idaho Falls Meridian Nampa Pocatello State Farm Allstate Allied Nationwide Liberty Mutual 5 10 15 20 25 30 35 $20 $21 $20 $21 $21 $36 $36 $37 $38 $34 $27 $27 $27 $30 $27 $26 $25 $26 $26 $25 $21 $21 $18 $22 $21

 

  • Automotive Accidents

Sometimes, your insurance rate is altered by factors which are beyond your control. The rate of accidents in your area is one such factor. The chart below shows the most recent statistical data available for Boise. If you think accident rates are inflating your monthly premiums, as your provider if  they offer any safe driver discounts.

Fatal Accidents in Boise, ID Legend: Boise Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 2 4 6 8 10 12 14 16 11 14 4 11 17 5

 

  • Auto Thefts in Boise

Even in small cities or rural towns, auto theft can still be a problem. In order to make it less of a problem for you, think about installing a passive anti-theft system on your car. Then, think about whether it would be worth it to add Comprehensive coverage to your auto policy. Your auto insurance company may reward you with lower rates! In Boise, there were 213 auto thefts in 2013.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage State Farm Allstate Allied Nationwide Liberty Mutual 10 20 30 40 50 60 70 80 $20 $48 $36 $89 $27 $57 $26 $55 $21 $61

 

  • Your Credit Score

Your credit score is a much bigger factor than most drivers realize when it comes to calculating your rates. In the chart below, you can see that some companies will double – or even triple – your monthly premium based on a poor credit score.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Farm Allstate Allied Nationwide Liberty Mutual 5 10 15 20 25 30 35 40 45 $17 $33 $35 $49 $25 $36 $24 $35 $15 $40

 

  • Your Age

If you’re young, then you’re probably already aware of how much more your insurance costs than it does for older adults. Insurance companies believe, based on their data, that younger drivers with less experience are more likely to cause accidents, and charge them more because of it. But there are Good Student and Driver’s Ed discounts available to you.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old State Farm Allstate Allied Nationwide Liberty Mutual 10 20 30 40 50 60 70 80 90 100 $20 $89 $36 $100 $27 $88 $26 $104 $21 $97

 

  • Your Driving Record

Have you heard of “Accident Forgiveness”? It’s a relatively new type of discount which more providers are beginning to adopt. Essentially, if you have a mild infraction on your driving record, like a minor accident or a speeding ticket, your insurer won’t factor that incident in when calculating your premiums. It’s a great way for a less-than-perfect driver to save money.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm Allstate Allied Nationwide Liberty Mutual 5 10 15 20 25 30 35 40 45 50 $20 $22 $22 $24 $36 $40 $45 $50 $27 $32 $52 $39 $26 $29 $53 $40 $21 $30 Do Not Sell $29

 

  • Your Vehicle

If you’re going to spend a lot of money on a luxury car, then you’re going to want to make sure it’s protected, right? Then you’re going to have to purchase a wider breadth of coverage options (and in higher amounts, also). That’s why, as you can see in the chart below, it costs so much more to insure a luxury vehicle.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm Allstate Allied Nationwide Liberty Mutual 10 20 30 40 50 60 70 80 90 100 110 120 130 $20 $72 $36 $135 $27 $81 $26 $70 $21 $138

 

Minor Car Insurance Factors in Boise

These minor factors below may also influence what you pay each month in premiums:

  • Your Marital Status

If you’re a newlywed, then you might not have heard about bundling discounts yet. Some automotive insurance companies will charge you substantially lower rates if you and your spouse bundle your auto policies together. Of course, this means they have to be bundled with the same provider.

  • Your Gender

If one gender is better at driving than the other, then it makes sense that they should get charged less for insurance, right? Well, it appears as though there is no major difference between male and female drivers, according to most insurance companies. The majority of providers charge males and females the same rate, if all other factors are equal.

  • Your Driving Distance to Work

For the average worker, the daily commute might last between 15-19 minutes. The vast majority of motorists drive to work in their own car, while anywhere from 5-17% carpool with their co-workers.

Reducing your overall yearly mileage can help you spend less money on gas, and might even reduce the cost of maintenance on your vehicle. Unfortunately, it won’t save you more than a few dollars per month on your insurance premiums. But registering it for personal use will, because business vehicles cost 11% more to insure on average.

  • Your Coverage and Deductibles

Do you know what your deductible is, or would you have to look it up to know for sure? Because if your deductible is low, you can save a good deal of money each month by raising it. Either that, or you could add coverage to your policy and still pay around the same amount you’re paying now.

  • Education in Boise, ID

A large number of drivers in Boise have either earned a bachelor’s degree, or they’re on their way to obtaining one. To a lesser degree, many motorists have high school diplomas. If you are one of these highly educated drivers, you could get offered a lower rate on your next car insurance premium! It works even better for discounts than having a special job, or getting paid a high salary.

The city of Boise is home to the biggest university of the state, Boise State University. Nearly 20,000 students strive for close to 200 different degrees each year. The school’s technology center also has a public/private partnership to help train and place students in related careers. For those who wish to pursue a private option, especially a religious one, there is the Boise Bible College or Northwest Nazarene University.

Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.

How We Conducted the Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Idaho Department of Insurance

Idaho Department of Finance

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

These Companies Offer Lowest Rates on Auto Insurance in Boise, ID – Act Now

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