Boise, ID Car Insurance

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.

AUTO INSURANCE: BOISE RATES VS. STATE + NATIONAL AVERAGES

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

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• Provider
• Age
• Marital status/gender
• Driving history
• Credit score

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.

BOISE AUTO INSURANCE RATES BY COMPANY

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.

BOISE AUTO INSURANCE PREMIUMS BY DRIVER AGE

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.

BOISE CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER

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.

BOISE CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT

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.

BOISE CAR INSURANCE PREMIUMS BY CREDIT SCORE

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