How Much Does Car Insurance Cost in Boise?


Premiums in Boise are known for being inexpensive. They generally sit under the state average by 11%. We've analyzed how car insurance rates in Boise City compare to costs nationwide.


AUTO INSURANCE RATES: BOISE VS. STATE/NATIONAL AVERAGES
City AverageState AverageNational Average
$913$1,024$1,569


Boise Auto Insurance by Marital Status and Gender


Gender and marital status are important considerations in determining the price of car insurance in Boise. You can save 5% per year if you're married as opposed to single. Rates for those who are widowed or divorced are slightly cheaper than rates for those who are single. Luckily for women, their premiums are generally 1% cheaper than for men.


BOISE CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$901
Male$913
Single$913
Married$864
Divorced$909
Widowed$903


Boise Auto Insurance for High-Risk Drivers


Maintaining an untarnished driving record is key to keep your insurance rates low. A DUI will increase your car insurance premiums more than other driving violations. $525 is the additional cost per year for drivers with a DUI in Boise, compared to the city average of $913. Reckless driving will also push your premiums up, with typical rates of $1,404, which are 54% higher than the city average! Insurance rates are influenced by at-fault accident history, and more specifically, by how much damage was done in the accidents. For those in Boise with at-fault accidents in which damages exceeded $2,000, rates are an average of $61 more than at-fault accidents with damages less than $1,000.


AVERAGE BOISE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Premium
DUI$1,439
Reckless Driving$1,404
At-fault Accident (damages less than $1,000)$1,262
At-fault Accident (damages greater than $2,000)$1,323
Speeding Ticket (16-20 mph over speed limit)$1,134


Boise Car Insurance by Age

The biggest drop in premiums for Boise drivers happens when they reach their 20s. Once out of the teenage age bracket, drivers reduce their premiums by 67%. Turning 60 causes a rise in insurance rates, but up until that point drivers can expect premium reductions when they transition from one age group to the next. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest insurance payments among any age group, with rates of $790/year. People in their 60s ($822) aren’t paying significantly more. With car insurance payments of $3,816 on average, teenage drivers have the most expensive rates amongst all the age groups.


BOISE CAR INSURANCE PRICES BY DRIVER AGE
AgeAverage Rate
Teenagers$3,816
20s$1,258
30s$900
40s$854
50s$790
60s$822
70s$977


Boise Car Insurance by Credit Rating


For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are 138% more per year. Shifting from Very Poor (300-579) to Fair (580-669) offers drivers the biggest percent reduction in premiums, as they save nearly 40% per year.


BOISE CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Auto Insurance Rate
Very Poor$1,817
Fair$1,092
Good$913
Very Good$840
Exceptional$762


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

2
Major Highways
U.S 20 U.S 26 U.S. 30
2
Public Transit
Valley Ride Bus

Find Local Boise Agents

Baxter & Associates

1365 N Orchard St Ste 261 Boise, ID 83706

Christensen & Associates Insurance Agency

345 Bobwhite Court Ste 230 Boise, ID 83706

Anderson-Shea Insurance Agency

1619 W. Jefferson Boise, ID 83702

Leavitt Group of Boise, Inc.

PO Box 140018 Boise, ID 83714

Ricketts and Associates Inc.

13177 W Persimmon Lane Boise, ID 83713

Hartley Insurance

931 S Allante Place Boise, ID 83709

Vernon Brollier Agency

1105 Federal Way Boise, ID 83705

Three Rivers Agency (B)

10159 W Overland Rd Boise, ID 83709

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

Allegis Casualty

1211 W Myrtle St Ste 104 Boise, ID 83702

HUB International

2600 Rose Hill, Ste 101 Boise, ID 83705

Blaine Christensen Ins. & Assoc., LLP

6307 W Interchange Ln Boise, ID 83709

Sharla S. Worthen Ins

6015 Overland Rd #105 Boise, ID 83709

Associated Insurance Services

3380 Elder Street Boise, ID 83705

Pipal-Anderson, Inc.

1087 W River Street Boise, ID 83702

PayneWest Insurance

2200 S Orchard St Ste A Boise, ID 83705

Post Insurance Services, Inc.

2717 W Bannock Boise, ID 83702

Alliance Insurance

1602 West Franklin Street #B Boise, ID 83702

PayneWest Insurance

960 Broadway Ave. Boise, ID 83706

Higgins & Rutledge Insurance, Inc.

1661 Shoreline Drive, Suite 100 Boise, ID 83702

2

$824

The average Boisean's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

132

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

See How Much You Can Save in Boise

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Recent Questions:

Boise Car Insurance

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Apr 16, 2016

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