Boise Car Insurance

Your Complete Car Insurance Guide for Boise, ID

Find the right car insurance policy for you.


Boise is the capital of Idaho and the most populous city in the state. It is a very safe city, with a much-admired quality of life. Living in Boise does have its own set of challenges though. The city’s high elevation and average annual snowfall of 19 inches can sometimes lead to hazardous driving conditions. Every Boise driver should be protected with quality, affordable auto insurance to make sure they can recover financially if something goes wrong. Independent Insurance Agents can assess the unique risks you face as an Idaho driver. Our local agents will work hard to find you a Boise auto insurance policy that meets your family’s needs and budget.

How much does Boise car insurance cost?

Car insurance is a necessity for Boise drivers. But don’t settle for a one-size-fits-all approach. Your car insurance costs are based on your unique characteristics such as your ZIP code, the make, and model of your car and the distance you drive to work or school every day. By evaluating multiple policy options, you can be sure you are picking the right mix of coverage for your needs, without breaking the bank. An independent insurance agent can tell you about the cost and coverage options that are available to you. After weighing out your options, the average cost of Boise car Insurance is $128 Per Month.


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What does Boise car insurance actually do for me?

Car insurance protects you from the financial consequences of a car accident. Liability coverage, which pays for car repairs and medical bills for other drivers if you cause an accident, is required for all drivers in Idaho. But the minimum coverage required by the state is likely not enough after a serious crash. Here are some ways your Boise car insurance policy can help you pay after a mishap with your car.

  • Fix Your Car - We officially call this "Comprehensive & Collision Coverage." Nothing required.
  • Fix Someone Else's Car - We officially call this "Property Damage Liability." Required min. $15,000.
  • Pay Your Medical Bills - We officially call this "Personal Injury Protection" or "PIP." Nothing required.
  • Pay Someone Else's Medical Bills - We officially call this "Bodily Injury Liability." Required min. $25,000 per person, $50,000 per accident.

Who pays if the accident wasn't my fault?

The driver who caused the accident, of course. Sometimes, people drive without insurance. 8.2% of Idaho drivers are uninsured. Drivers without insurance have no financial backup plan for accidents. Other drivers on the road are financially responsible for an uninsured driver’s mistakes. That's why you need Idaho “uninsured motorist coverage.” It pays for things like medical bills and vehicle damage if an uninsured driver hits you. In some states, uninsured motorist insurance is required for all drivers. Idaho does not require you to have uninsured motorist coverage.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

What Affects the Cost of Boise Auto Insurance?

It’s a good idea to know the factors that influence your Boise car insurance rates. Insurance companies evaluate several personal risk factors, such as the following:

  • Your age
  • Your marital status
  • Your gender
  • Your ZIP code
  • Your history of accidents and claims
  • The kind of car you drive
  • The number of cars and drivers in your household

Insurance companies are concerned with the likelihood that you will file a claim and the cost of repairing or replacing your vehicle if it is stolen, damaged or totaled. That's why the type of car you drive is so important in determining the cost of your Boise auto insurance policy.

  • New cars generally cost more to insure than older models.
  • Luxury vehicles usually cost more to insure than modestly priced vehicles.
  • Hybrids typically cost more to insure than similar gas-powered cars.
  • Sports cars usually cost more to insure than safe family sedans.

If you are concerned about the cost of your Boise auto insurance policy, choose your car wisely. An independent agent can help you with quotes and information so you can make an informed decision.

Here are some city factors that will affect your rate:

Commute time: It’s simple: The more time you spend on the road, the more likely it is that you'll be in an accident. Boise drivers spend less time on the road than most, which can help keep insurance rates relatively low.

  • National Average: 25.4 minutes
  • Boise Average: 17 minutes

Theft in your city: Auto theft is relatively rare in Boise compared to the U.S., overall. This is good news for Boise drivers. But remember that cars can be stolen anywhere. No matter where you live, be sure to use common sense deterrents to protect your car from theft. If you have a Boise auto insurance policy, you can be sure that if your car is stolen, you will receive timely assistance and reimbursement for your stolen or damaged property.

  • Auto Theft Rate in U.S. (per 1,000 vehicles): 2.94
  • Auto Theft Rate in Boise (per 1,000 vehicles): 1.23

How to Find Affordable Auto Insurance in Boise

Our Independent Insurance Agents can get quotes from numerous insurance carriers, so you have a variety of options. Our agents will assess your risks and answer your questions so they can find the coverage that best fits your needs and budget. Quality, affordable coverage for Boise residents is just a few clicks away.

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