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 AverageState AverageNational Average
$921$1,018$1,427


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
CreditAverage Auto Insurance Rate
Very Poor$1,721
Fair$1,417
Good$1,164
Very Good$964
Exceptional$808


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
AgeAverage Rate
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


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/GenderAverage Rate
Female$902
Male$921
Single$921
Married$872
Divorced$916
Widowed$916


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
Violation/IncidentAverage Rate
DUI/DWI$1,414
Reckless Driving$1,434
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.

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

Sharla S. Worthen Ins

6015 Overland Rd #105 Boise, ID 83709

Christensen & Associates Insurance Agency

345 Bobwhite Court Ste 230 Boise, ID 83706

Ricketts and Associates Inc.

13177 W Persimmon Lane Boise, ID 83713

Allegis Casualty

1211 W Myrtle St Ste 104 Boise, ID 83702

Post Insurance Services, Inc.

2717 W Bannock Boise, ID 83702

Blaine Christensen Ins. & Assoc., LLP

6307 W Interchange Ln Boise, ID 83709

Alliance Insurance

1602 West Franklin Street #B Boise, ID 83702

Anderson-Shea Insurance Agency

1619 W. Jefferson Boise, ID 83702

Baxter & Associates

1365 N Orchard St Ste 261 Boise, ID 83706

Wells Fargo Ins Svcs

3295 W Elder St Ste 209 Boise, ID 83705

PayneWest Insurance

2200 S Orchard St Ste A Boise, ID 83705

Higgins & Rutledge Insurance, Inc.

1661 Shoreline Drive, Suite 100 Boise, ID 83702

Three Rivers Agency (B)

10159 W Overland Rd Boise, ID 83709

HUB International

2600 Rose Hill, Ste 101 Boise, ID 83705

ABFH LLC dba HD Insurance

175 E 50th St Boise, ID 83714

Hartley Insurance

931 S Allante Place Boise, ID 83709

Associated Insurance Services

3380 Elder Street Boise, ID 83705

Vernon Brollier Agency

1105 Federal Way Boise, ID 83705

Leavitt Group of Boise, Inc.

PO Box 140018 Boise, ID 83714

Pipal-Anderson, Inc.

1087 W River Street Boise, ID 83702

PayneWest Insurance

960 Broadway Ave. Boise, ID 83706

See All

2

$824

The average Boisean's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

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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