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 Average||State Average||National Average|
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/Gender||Average Rate|
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/Incident||Average Annual Premium|
|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
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 Level||Average Auto Insurance Rate|
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
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
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
1211 W Myrtle St Ste 104 Boise, ID 83702
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
1087 W River Street Boise, ID 83702
2200 S Orchard St Ste A Boise, ID 83705
Post Insurance Services, Inc.
2717 W Bannock Boise, ID 83702
1602 West Franklin Street #B Boise, ID 83702
960 Broadway Ave. Boise, ID 83706
Higgins & Rutledge Insurance, Inc.
1661 Shoreline Drive, Suite 100 Boise, ID 83702
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