Best Cheap Auto Insurance in Boise, ID (2021)

Boise, ID auto insurance rates are below the national and state averages, and the cheapest auto insurance company in Boise is State Farm. All drivers in Boise, Idaho have to carry at least the state minimum auto insurance of 25/50/15 in liability and uninsured/underinsured motorist coverage that matches their bodily injury liability.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Feb 22, 2021

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Things to Remember

  • Auto insurance in Boise, ID is among the cheapest in the state
  • The Boise, ID auto insurance company with the cheapest rates is State Farm
  • Boise is the largest city in Idaho, which means a lot of traffic

Boise, ID auto insurance is cheaper than the national average and cheaper than the state average as well. Idaho auto insurance is also the fifth cheapest in the U.S.  The means Boise drivers can find cheap auto insurance pretty easily.

Before you buy Boise, ID auto insurance, shop around and compare prices to find the best deal for you. Enter your ZIP code now to compare Boise, ID auto insurance quotes.

What is the cheapest auto insurance company in Boise, ID?

Although USAA has the cheapest auto insurance in Boise, ID, it is only available to the military, veterans, and their families. State Farm has the cheapest auto insurance rates that are offered to everyone.

The top Boise, ID auto insurance companies, ranked from cheapest to most expensive, are:

  • USAA – $1,643.95
  • State Farm – $1,801.29
  • Liberty Mutual – $2,101.28
  • GEICO – $2,436.30
  • Nationwide – $2,546.27
  • Farmers – $3,047.93
  • Travelers – $3,076.00
  • American Family – $3,470.35
  • Allstate – $3,722.59

There are many different factors that affect your auto insurance rates. Each company will charge different rates based on those same factors.

The company with the best coverage and rates for you will depend on many factors, including where you live, your driving record, age, gender, marital status, and credit score.

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What auto insurance coverage is required in Boise, ID?

Most states require drivers to carry at least a minimum of auto insurance, and Idaho is no different. The minimum auto insurance required in Idaho is:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $15,000 per incident for property damage
  • Uninsured/underinsured motorist coverage must equal chosen bodily injury liability amount

Drivers who don’t carry at least the Idaho minimum requirements face possible fines, driver’s license suspension, and jail time. With auto insurance being so cheap in Idaho, there is no reason to skip at least the required amount.

What affects auto insurance rates in Boise, ID?

Traffic and theft in your city also play a large part in calculating your auto insurance rates. Higher traffic equals more chance of an accident, and theft usually results in expensive repairs or vehicle replacement.

INRIX rates Boise, ID as the 103rd most congested city in the U.S. Boise is the largest city in Idaho so traffic is a given.

City-Data reports that most drivers in Boise have a commute of fewer than 25 minutes. Although there is public transportation available, most commuters in Boise, ID prefer to drive alone.

Theft is another factor that can affect your auto insurance. According to the FBI, there were 346 vehicle thefts in Boise.

Boise, ID Auto Insurance: The Bottom Line

Drivers in Boise enjoy lower than average auto insurance rates. But, to find the most affordable Boise, ID auto insurance, be sure to shop around.

Enter your ZIP code to compare Boise, ID auto insurance rates today.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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