Boise, ID Car Insurance

On average, drivers in Boise pay around $48 per month for their car insurance. To find out more check out our guide below.
How much can residents of Boise expect to pay for their car insurance? How do rates in Boise measure up compared to neighboring areas, including Idaho as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Boise?

Area Average Monthly Car Insurance Premium
Boise$48
ID$48
United States$80

As you can see in the chart above, car insurance rates in Boise are in line with the rest of Idaho.

Compared to the rest of the country, auto insurance in Boise is more affordable. Auto insurance coverage in Boise is about $32 cheaper than it is for the rest of the United States.

Although these are the average monthly costs for an auto insurance policy in Boise, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

But don't worry, we've broken down the average rates for Boise residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$332
18-24$67
25-34$46
35-44$41
45-54Not Enough Data
55-64$36
65+$32

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.

You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may creep back up in Boise.

Average Car Insurance Rates by Gender

Gender Average
Male$47
Female$48

Female drivers pay, on average, slightly less than their male counterparts. In Boise, although men do pay slightly less on their monthly premiums, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$54
Multiple Accidents$78
1 Ticket$65
Multiple Tickets$80

Your rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Boise, having a single accident on your record will usually get you rates around $54 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $65.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$54
2-3 Years$54
4-5 Years$43
6-7 Years$41
8-10 Years$43
11-14 Years$48
15 Years or Older$49

In terms of affordable coverage, the cheapest vehicles to insure in Boise are typically trucks and vans, at $45 per month.

SUV drivers will see rates of about $47, while the rates for car owners average out to about $48 per month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Boise, vehicles less than or equal to one-year-old and two-to-three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$50
Married$44
Divorced$37
Widowed$38

On average, people who are married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.

At a national level, single drivers usually pay more than married couples do for auto insurance. Boise follows that pattern, with the difference totaling to around $6 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$39
Rent$50
Live with parents$71

Another factor taken into consideration is your living accommodations. Homeowners in Boise can expect to pay around $11 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Boise, ID

Recent trends in car insurance for Boise drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

The cost of auto insurance in Boise had been increasing from 2016-2018, when they hit a low of $42. This changed in 2019, when car insurance rates started to rise. They reached a high of $54 in 2020, and finished down in 2021, at $44 a month.

How does Boise compare to neighboring areas?

Why are car insurance rates in Boise different from other areas?

Car insurance companies take in numerous factors when deciding how much individual insurance policies will cost. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Local crime rates
  • Road Safety (how many accidents each locality has)
  • Total number of drivers in the community
  • Off-street parking availability
  • Local laws

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Boise?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Good news! Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Boise in no time.

Compare the cheapest quotes from dozens of insurance companies

Boise Insurance FAQs

What factors affect car insurance quotes in Boise?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Boise different from other neighboring cities?

Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Boise?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Boise?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Boise or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes