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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
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
1602 West Franklin Street #B Boise, ID 83702
Post Insurance Services, Inc.
2717 W Bannock Boise, ID 83702
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
1087 W River Street Boise, ID 83702
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
1211 W Myrtle St Ste 104 Boise, ID 83702
ABFH LLC dba HD Insurance
175 E 50th St Boise, ID 83714
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
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
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Boise Car Insurance
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