Cheapest car insurance in Boise, Idaho

Idaho requires minimum liability coverage of 25/50/15. Rates below are monthly estimates for the 25-55 driver, Full coverage, Excellent credit bracket.

Filed per-carrier data
Methodology → All of Idaho →

Pulled directly from carrier rate filings for this city.

With 235,684 residents, Boise sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 59% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 64% less than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 USAAFiled rate, credit/record adjusted $49.16
02 State FarmFiled rate, credit/record adjusted $62.90
03 Oregon MutualFiled rate, credit/record adjusted $67.01
04 Farm Bureau of ID GroupFiled rate, credit/record adjusted $71.12
05 GEICOFiled rate, credit/record adjusted $81.74
06 NationwideFiled rate, credit/record adjusted $82.73
07 AllstateFiled rate, credit/record adjusted $119.00
Rate explainer
Why is your best rate $49.16 and not $209.31?

Boise is priced against 7 insurers for the 25-55 driver, Full coverage, Excellent credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full $-119.62
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Excellent (modeled) $-13.45
Driving record, Clean (modeled) +$0.00
About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.