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|
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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 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 get car insurance quotes based on your driving profile.
BOISE AUTO INSURANCE RATES BY COMPANY
|Insurer||Average Rate (annual)|
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|
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|
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|
|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|
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|
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, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Boise, you can expect 88 rainy days with an annual rainfall of 12 inches. Boise is also known to experience severe winter storms.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Boise Agents
Associated Insurance Services
3380 Elder Street PO Box 16410, Boise, ID 83705
1602 West Franklin Street #B, Boise, ID 83702
Ricketts and Associates Inc.
13177 W Persimmon Lane, Boise, ID 83713
Leavitt Group of Boise, Inc.
PO Box 140018, Boise, ID 83714
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
Baxter & Associates
1365 N Orchard St Ste 261, Boise, ID 83706
Sharla S. Worthen Ins
6015 Overland Rd #105, Boise, ID 83709
Post Insurance Services, Inc.
2717 W Bannock, Boise, ID 83702
Three Rivers Agency (B)
10159 W Overland Rd, Boise, ID 83709
1087 W River Street Ste 310, Boise, ID 83702
Anderson-Shea Insurance Agency
1619 W. Jefferson, Boise, ID 83702
Christensen & Associates Insurance Agency
345 Bobwhite Court Ste 230, Boise, ID 83706
2600 Rose Hill, Ste 101, Boise, ID 83705
Vernon Brollier Agency
1105 Federal Way, Boise, ID 83705
Higgins & Rutledge Insurance, Inc.
1661 Shoreline Drive, Suite 100, Boise, ID 83702
Blaine Christensen Ins. & Assoc., LLP
6307 W Interchange Ln, Boise, ID 83709
Wells Fargo Ins Svcs
3295 W Elder St Ste 209, Boise, ID 83705
2200 S Orchard St Ste A, Boise, ID 83705
960 Broadway Ave., Boise, ID 83706
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