Best cheap car insurance in Boise

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With 6,894 crashes in 2017, the latest year for which there are records, drivers in Ada County, Idaho should make sure to have a good car insurance policy in place before getting behind the wheel. Finding the best policy for your specific needs takes a bit of work, but knowing more about car insurance in Boise, Idaho can help you make an informed decision.

The average annual premium for a car insurance policy in Boise is $337 for minimum coverage and $938 for full coverage. To determine the best cheap car insurance options in Boise, Bankrate used Quadrant Information Services to obtain current premium information. We then analyzed the companies by taking into account their average premiums, coverage and discount options, financial stability scores and customer service rankings. You can feel confident that the companies discussed below are good options for the best cheap car insurance in Boise.

Best car insurance companies in Boise

To find the best car insurance in Boise, we first gathered annual premium costs for the average customer for the state’s minimum coverage and for full coverage, which includes optional coverage for collision and comprehensive. We looked at each company’s rankings with third-party rating establishments like J.D. Power and AM Best and reviewed each company’s coverage and discount offerings.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
American National N/A $160 $423
USAA 890/1,000 $227 $638
State Farm 881/1,000 $292 $804
Geico 871/1,000 $301 $906
Auto-Owners 890/1,000 $332 $965

American National

American National’s average premium for Boise drivers is the lowest on our list at $160 per year for minimum coverage and $423 per year for full coverage. The company is not as well known as some of the larger insurers like Geico or State Farm, but it has been selling insurance since 1905.

American National offers a basic car insurance policy, with only a few customization options and discounts. If you are looking for a solid, simple policy, American National may be an excellent choice. However, if you are looking for a company that offers digital tools such as an online customer portal or a mobile app, you should know that American National’s website is fairly basic and does not offer customers the ability to manage their policies online.

USAA

Although it does not qualify for official ranking, USAA consistently receives high scores from J.D. Power. Additionally, the company has an A++ rating from AM Best, meaning that they are a financially stable company. USAA offers a broad range of coverages and significant discounts. When paired with their high customer service scores, they may be a great company for your insurance needs.

One restriction is that you need to be a member of the military, a veteran or a qualifying family member to take advantage of USAA’s low rates. If you fit that demographic, however, you may want to consider a quote from USAA when shopping for car insurance quotes in Boise.

State Farm

State Farm is the largest insurer of cars in America. It scored above industry average in the 2020 J.D. Power U.S. Auto Claims Satisfaction Study. AM Best, which measures financial stability, gives State Farm an A++ ranking, the highest possible.

There are multiple coverage options to customize your policy with State Farm, including rideshare coverage. Discounts reward safe driving, customer loyalty and more. Additionally, State Farm’s website and mobile app are ideal for customers looking to manage their policies digitally.

Geico

Customers who want a digital insurance experience might want to get a quote from Geico. Its mobile app allows you to access ID cards, request roadside assistance and even submit photos of your car’s damage to get an estimate. The app has over 360,000 reviews on Google Play with a rating of 4.7 out of 5.0, and over 2.6 million reviews on the App Store with a rating of 4.8 out of 5.0.

Geico has a few endorsements to allow you to customize your policy, including roadside assistance, rental reimbursement and mechanical breakdown. It also has a generous assortment of discounts, such as up to 23% savings for having an airbag, and up to 25% off if you have multiple vehicles insured with the company.

Auto-Owners

Auto-Owners is known for placing a priority on customer service. They ranked in third place in the 2020 J.D. Power U.S. Auto Claims Satisfaction Study, which indicates that many customers feel that their claims were handled well.

Auto-Owners offers standard liability coverages and several endorsements, such as a Personal Auto Plus package that includes identity theft coverage, coverage to re-key locks and cell phone replacement coverage. Discounts include standard offerings like multi-car and multi-policy discounts as well as more unique options like the green discount and a discount for having a life insurance policy with Auto-Owners.

Cheapest car insurance in Boise

The average cost of car insurance in Idaho is $307 annually for minimum coverage and $1,045 annually for full coverage. Boise’s average premiums, $337 per year for minimum coverage and $938 per year for full coverage, are in line with Idaho’s averages. Drivers in Idaho, and in Boise specifically, pay less than the national average annual premiums, which are $565 for minimum coverage and $1,674 for full coverage.

After analyzing the largest insurance companies by market share in Boise, Bankrate determined that the cheapest car insurance is offered by the following five companies:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $227 $638
State Farm $292 $804
Farmers $296 $736
Geico $301 $906
Nationwide $306 $839

USAA, State Farm and Geico also made our “Best Of” listing, for good reasons. All offer low rates along with other benefits, making them fantastic choices for the best cheap car insurance in Boise.

Farmers and Nationwide also offer cheap auto insurance policies in Boise. Farmers is a great option if you want to customize your policy, as they offer a long list of endorsement options. Nationwide has a good range of discounts, and you can save money by driving fewer miles and remaining accident-free.

Keep in mind that price is not the only consideration when shopping for car insurance. You may also want to consider a company’s coverage options, online and digital tools, financial strength scores and customer service rankings to choose the best company for you.

Boise insurance requirements

Nearly every state in the U.S. has minimum liability requirements for car insurance. You must carry at least these minimum limits to legally drive in the state. In Idaho, the minimum coverage levels are as follows:

  • $25,000 bodily injury liability per person: This is what your insurer will pay for injuries to each person in the other car if you are the cause of the accident.
  • $50,000 bodily injury liability per accident: This is what your insurer will pay for all injuries you cause to the other parties as the result of an at-fault accident.
  • $15,000 property damage liability: This is what your insurer will pay for damage to the other driver’s car or for damage to other property, such as a fence or light post, that you cause in an at-fault accident.

Many insurance experts recommend that you carry liability limits in excess of the minimum required levels. If the bills for the injuries or property damage that you cause are higher than the limits of your insurance, you will have to pay out of pocket for the difference.

Full coverage is optional but worth considering, since it includes collision and comprehensive coverages, which pay for damages to your own car. You will likely be required to carry these coverages if you have a car loan or lease your car.

Car insurance discounts in Boise

Although car insurance in Boise is less than the national average, you may be able to save additional money on your car insurance. Almost all insurers offer discounts, although discount options vary by company. Here are some discounts that are common in the Boise area:

  • Multi-car or multi-policy: You may earn a discount if you have more than one car insured with the same company. You may also save money if you insure your car and your home, condo or apartment with the same company.
  • Safe driver: If you keep a clean driving record for a certain number of years, you might qualify for a discount on your auto insurance. Many companies also offer a telematics discount, which involves you tracking your driving with a mobile app or plug-in device. If the data acquired shows that you are a safe driver, you may earn a discount.
  • Good student: If a young driver on your policy keeps their grades up to a certain GPA or letter-grade average in high school or college, you might get a discount if you provide a recent grade card to the company.

You can also earn discounts from many insurers for paying in full or agreeing to receive documents via email rather than postal mail. The best way to make sure you are taking advantage of all the discounts that you qualify for is to call your insurance company and review your policy.

Frequently asked questions

What is the best car insurance company?

Since each insurance policy is unique, the best company will be different for everyone. To find the best car insurance in Boise for your needs, you may want to start with our list of best car insurance companies for 2021 and obtain quotes from several to see which company’s premiums and coverage offerings best fit your situation. Our list of the cheapest car insurance companies for 2021 is also a good place to start if finding a low premium is high on your list of priorities.

How much does car insurance in Boise cost?

The average premium for an auto insurance policy in Boise is $337 per year for minimum coverage and $938 per year for full coverage. Your own premium will most likely be different, depending on factors like your age, the type of car you drive and the coverages that you choose to purchase.

How much car insurance do I need in Boise?

The minimum required liability limits in Idaho are 25/50/15, but it may be worth purchasing higher liability limits and possibly full coverage. If you cause an accident, minimum coverage may leave you with out-of-pocket bills to pay.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

 

About the author


Mary Van Keuren

Mary Van Keuren
Mary Van Keuren has five years of experience writing for insurance domains such as Bankrate.com, Coverage.com and Thesimpledollar.com. She has also written extensively for consumer websites including reviews.com and myslumberyard.com. Prior to that she worked as a writer in academia for several decades.