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How much does car insurance cost in Boise?

Auto insurance costs an average of $1,044 per year in Boise. That's less than the average across Idaho ($1,164) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Boise.

Boise Average (yearly) Idaho Average United States Average
$1,044 $1,164 $1,548

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Boise car insurance rates by company

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the car insurer that best fits your coverage needs. In Boise, State Farm provides the most affordable rates for the typical insurance customer. See below the best options for affordable auto insurance in Boise. Don't forget to gather insurance quotes based on your driving profile.

Insurer Average Rate (annual)
State Farm $750
Liberty Mutual $832
Progressive $974
Farm Bureau $1,029
Farmers $1,147

Check out our guide to learn how to find the best cheap car insurance.

Boise car insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Boise are drivers in their 50s, who pay an average of $907per year. Rates for Boise drivers in their 60s are also relatively affordable, at just $935 per year.

Teenage drivers pay Boise's most expensive car insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Boise is to age out of your teenage years. The difference in rates paid by teenage drivers and drivers in their 20s in Boise is $2,906, the largest such difference between any two age groups.

Age group Average Yearly Rate
Teenagers $4,367
20s $1,461
30s $1,026
40s $967
50s $907
60s $935
70s $1,134

Learn more about the impact of age on auto insurance rates.

Boise car insurance rates by marital status and gender

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Boise pay $64 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Boise, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can influence auto insurance rates. In Boise, male drivers pay $9 more per year for car insurance than do female drivers.

Gender/Marital Status Average Yearly Rate
Female $1,035
Male $1,044
Single $980
Married $980
Divorced $1,044
Widowed $1,037

Learn more about the impact gender and marital status have on insurance rates.

Boise car insurance rates by driving history

Maintaining a clean driving record is an effective way to minimize your insurance rates. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Boise, a reckless driving citation results in an average insurance rate increase of $505 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $444 increase and a speeding ticket triggers a $170 rate hike.

Incident Average Annual Rate
DUI/DWI $1,488
Reckless Driving $1,549
At-fault Accident (damages less than $1,000) $1,375
At-fault Accident (damages greater than $2,000) $1,460
Speeding Ticket (16-20 mph over speed limit) $1,214

Learn more about how citations can raise your auto insurance rates.

Boise car insurance rates by credit score

One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Boise drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 59% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Boise, improving your credit to "Fair" could help you earn $779 in savings on insurance premiums each year.

Credit Tier Average Annual Rate
Very Poor $2,031
Fair $1,252
Good $1,044
Very Good $945
Exceptional $841

Get additional information on how credit impacts car insurance costs.

What drives up car insurance rates in Boise?

Where you live in Boise affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Boise is no exception to the rule. From ZIP code 83706 to 83713, premiums rise by 6 percent—that's $45.

Expensive Boise ZIP codes: 83731, 83703, 83704, 83714, 83713

Cheap Boise ZIP codes: 83706, 83709, 83725, 83708, 83729

Boise Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Boise, you can expect 88 rainy days with an annual rainfall of 12 inches. Boise is also known to experience severe winter storms.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Boise

Major Highways
U.S 20 U.S 26 U.S. 30
Public Transit

Valley Ride Bus

Boise Car Insurance Companies Near Me

Find Local Boise Agents

Three Rivers Agency (B)

10159 W Overland Rd, Boise, ID 83709

Baxter & Associates

1365 N Orchard St Ste 261, Boise, ID 83706

Sharla S. Worthen Ins

6015 Overland Rd #105, Boise, ID 83709

Blaine Christensen Ins. & Assoc., LLP

6307 W Interchange Ln, Boise, ID 83709

Anderson-Shea Insurance Agency

1619 W. Jefferson, Boise, ID 83702

Alliance Insurance

1602 West Franklin Street #B, Boise, ID 83702

Higgins & Rutledge Insurance, Inc.

1661 Shoreline Drive, Suite 100, Boise, ID 83702

ABFH LLC dba HD Insurance

175 E 50th St, Boise, ID 83714

Wells Fargo Ins Svcs

3295 W Elder St Ste 209, Boise, ID 83705

Christensen & Associates Insurance Agency

345 Bobwhite Court Ste 230, Boise, ID 83706

Vernon Brollier Agency

1105 Federal Way, Boise, ID 83705

Associated Insurance Services

3380 Elder Street PO Box 16410, Boise, ID 83705

PayneWest Insurance

960 Broadway Ave., Boise, ID 83706

Hartley Insurance

931 S Allante Place, Boise, ID 83709

Allegis Casualty

1211 W Myrtle St Ste 104, Boise, ID 83702

HUB International

2600 Rose Hill, Ste 101, Boise, ID 83705

Ricketts and Associates Inc.

13177 W Persimmon Lane, Boise, ID 83713

Leavitt Group of Boise, Inc.

PO Box 140018, Boise, ID 83714

Post Insurance Services, Inc.

2717 W Bannock, Boise, ID 83702

PayneWest Insurance

2200 S Orchard St Ste A, Boise, ID 83705

Pipal-Anderson, Inc.

1087 W River Street Ste 310, Boise, ID 83702


The average Boisean's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 132 cups of coffee or $330 in savings

See How Much You Can Save in Boise

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Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.