Car Insurance in Boise City

Boise City premiums, which are 10% lower than Idaho's average, are known for being inexpensive. Who doesn't like to save money? Check out some tips about how to save on car insurance in Boise City.

  • City Average: $921
  • State Average: $1,018
  • National Average: $1,427

Boise City Car Insurance by Credit Rating

Drivers with Very Poor credit (300-579) pay an average of $913 more each year on premiums than those with Exceptional credit (800-850). The biggest benefit of better credit occurs when rising from Very Poor (300-579) to Fair (580-669), by which drivers can save around $253 per year.

  • Very Poor: $1,721
  • Fair: $1,417
  • Good: $1,164
  • Very Good: $964
  • Exceptional: $808

Boise City Car Insurance by Age

Drivers in Boise City see the biggest decline in premiums when they reach their 20s, as they save an average of $2,909 from moving out of the teenage age range. While premiums for drivers will continue to decline through their 50s, they should expect a change when they turn 60. With typical payments of $4,190, teenage drivers are the ones who pay the most in car insurance premiums. When looking across all age groups, drivers in their 50s have the smallest car insurance rates. Their rates generally average $795/year. People in their 60s ($828) also have relatively low premiums.

  • Teenagers: $4,190
  • 20s: $1,281
  • 30s: $909
  • 40s: $858
  • 50s: $795
  • 60s: $828
  • 70s: $1,019

Boise City Car Insurance by Gender and Marital Status

Marital status as well as gender are important considerations in determining the price of car insurance in Boise City. Being single can cost you an average of $49 more per year compared to being married. Rates between those who are divorced and those who are widowed do not differ. Both groups pay slightly less than singles. Unfortunately for men, their premiums are normally 2% more pricey than for women.

  • Female: $902
  • Male: $921
  • Single: $921
  • Married: $872
  • Divorced: $916
  • Widowed: $916

Boise City Car Insurance by Accident or Violation History

Do you know the impact an accident or violation can have on your car insurance premiums? Drivers with a DUI in Boise City have rates 54% greater than the city average ($921). Reckless driving will drive your rates up as well, with typical rates of $1,434! Do you want to increase your car insurance rates by a sizeable $223? If not, be aware of your speed because a ticket for speeding by 16-20mph in Boise City will trigger that rise.

  • DUI: $1,414
  • Reckless Driving: $1,434
  • At-fault Accident (damages less than $1000): $1,346
  • At-fault Accident (damages greater than $2000): $1,346
  • Speeding Ticket (16-20 mph over speed limit): $1,144

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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Boise, you can expect 88 rainy days with an annual rainfall of 12 inches. Boise is also known to experience severe winter storms. You can check on the condition of the roads anytime here.

88

Rainy Days a Year

12"

Avg. Annual Rainfall

20"

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

Find Local Boise Agents

Leavitt Group of Boise, Inc.

PO Box 140018 Boise, ID 83714

Ricketts and Associates Inc.

13177 W Persimmon Lane Boise, ID 83713

Anderson-Shea Insurance Agency

1619 W. Jefferson Boise, ID 83702

Three Rivers Agency (B)

10159 W Overland Rd Boise, ID 83709

Alliance Insurance

1602 West Franklin Street #B Boise, ID 83702

Post Insurance Services, Inc.

2717 W Bannock Boise, ID 83702

PayneWest Insurance

960 Broadway Ave. Boise, ID 83706

Wells Fargo Ins Svcs

3295 W Elder St Ste 209 Boise, ID 83705

Baxter & Associates

1365 N Orchard St Ste 261 Boise, ID 83706

Pipal-Anderson, Inc.

1087 W River Street Boise, ID 83702

PayneWest Insurance

2200 S Orchard St Ste A Boise, ID 83705

Vernon Brollier Agency

1105 Federal Way Boise, ID 83705

Christensen & Associates Insurance Agency

345 Bobwhite Court Ste 230 Boise, ID 83706

Allegis Casualty

1211 W Myrtle St Ste 104 Boise, ID 83702

ABFH LLC dba HD Insurance

175 E 50th St Boise, ID 83714

Hartley Insurance

931 S Allante Place Boise, ID 83709

Sharla S. Worthen Ins

6015 Overland Rd #105 Boise, ID 83709

Blaine Christensen Ins. & Assoc., LLP

6307 W Interchange Ln Boise, ID 83709

HUB International

2600 Rose Hill, Ste 101 Boise, ID 83705

Higgins & Rutledge Insurance, Inc.

1661 Shoreline Drive, Suite 100 Boise, ID 83702

Associated Insurance Services

3380 Elder Street Boise, ID 83705

See All

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$824

The average Boisean's annual cost of coverage

40%

Our customer's average savings after comparing insurance

132

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

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Boise Car Insurance

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