What's the Average Cost of Car Insurance in Boise City?
Boise City premiums are 10% lower than the state average, which is why the city is recognized for its inexpensive premiums. Let's take a look at how car insurance costs in Boise City compare to rates nationwide.
INSURANCE COSTS: BOISE CITY VS. US/STATE AVERAGES
|City Average||State Average||National Average|
Boise City Car Insurance by Credit Level
Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you 53% each year on premiums. Drivers can save around $253 per year when they improve their credit tier from Fair (580-669) to Good (670-739).
BOISE CITY AUTO INSURANCE RATES BY CREDIT TIER
|Credit||Average Auto Insurance Rate|
Boise City Car Insurance Costs by Age Bracket
Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest car insurance rates among any age group, with rates of $795. Those in their 60s ($828) have premiums that aren't much higher. The biggest decline in premiums for Boise City drivers happens when they reach their 20s. Once out of the teenage age range, people save, on average, $2,909. While car insurance premiums for drivers in Boise City will continue to fall through their 50s, they should expect a change when they turn 60. Teenage drivers have the largest premiums of any age group, with car insurance payments of $4,190 on average.
BOISE CITY AUTO INSURANCE RATES BY DRIVER AGE
Boise City Car Insurance by Gender and Marital Status
There are many factors, including marital status and gender, that play a role in car insurance premiums in Boise City. $19 is the amount by which men's and women's car insurance premiums differ. For those who are widowed or divorced, rates are marginally cheaper than rates for those who are single. Individuals who are single spend 6% more per year on car insurance compared to those who are married.
BOISE CITY CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Boise City Auto Insurance for High-Risk Drivers
Do you realize how much an accident or violation on your driving record can cost you in terms of prices on car insurance? Reckless driving will increase your car insurance premiums more than other driving violations. In Boise City, drivers with a DUI have rates $493 higher than the city average of $921. Reckless driving will also drive your rates up, with average rates of $1,434! Even among safe drivers, accidents happen, so be prepared and learn what can happen to your rates following one. You can expect your annual car insurance payments to rise by 46% if you are found at-fault in an accident in Boise City.
AVERAGE BOISE CITY INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$1,346|
|At-fault Accident (damages greater than $2,000)||$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
1602 West Franklin Street #B Boise, ID 83702
Associated Insurance Services
3380 Elder Street Boise, ID 83705
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
Higgins & Rutledge Insurance, Inc.
1661 Shoreline Drive, Suite 100 Boise, ID 83702
Anderson-Shea Insurance Agency
1619 W. Jefferson Boise, ID 83702
1211 W Myrtle St Ste 104 Boise, ID 83702
Christensen & Associates Insurance Agency
345 Bobwhite Court Ste 230 Boise, ID 83706
Vernon Brollier Agency
1105 Federal Way Boise, ID 83705
Blaine Christensen Ins. & Assoc., LLP
6307 W Interchange Ln Boise, ID 83709
960 Broadway Ave. Boise, ID 83706
931 S Allante Place Boise, ID 83709
1087 W River Street Boise, ID 83702
Baxter & Associates
1365 N Orchard St Ste 261 Boise, ID 83706
Sharla S. Worthen Ins
6015 Overland Rd #105 Boise, ID 83709
2200 S Orchard St Ste A Boise, ID 83705
Three Rivers Agency (B)
10159 W Overland Rd Boise, ID 83709
2600 Rose Hill, Ste 101 Boise, ID 83705
Ricketts and Associates Inc.
13177 W Persimmon Lane Boise, ID 83713
Post Insurance Services, Inc.
2717 W Bannock Boise, ID 83702
Leavitt Group of Boise, Inc.
PO Box 140018 Boise, ID 83714
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Boise Car Insurance
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