6,894 crashes were recorded in 2017. Ada County, Idaho drivers should ensure they have a solid car insurance policy before driving. It can be difficult to find the right policy for you. However, knowing more about Idaho car insurance can help you make informed decisions.
For a minimum coverage policy, the annual average premium is $337 and for full coverage, it’s $938. Quadrant Information Services was used by Bankrate to determine the most affordable car insurance options in Boise. The average premiums, coverage, discount options, financial stability scores, customer service ratings, and financial stability scores were all considered when analyzing the companies. The companies listed below can be trusted to provide the best Boise car insurance at a reasonable price.
Boise’s best car insurance company
We first collected the annual premium costs of the average Boise customer for minimum and full coverage. This includes optional coverage for collision or comprehensive. We compared each company’s ratings with J.D. We compared Power and AM Best, and also reviewed the coverage and discounts offered by each company.
| Insurance company | J.D. J.D. | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|---|
| 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 annual premium for Boise drivers is $160 per annum for minimum coverage, and $423 for full coverage. This is the lowest premium on our list. Although the company isn’t as well-known as larger insurers such as State Farm or Geico, it has been selling insurance since 1905 .
American National provides a basic policy for car insurance. There are very few customization options available and no discounts. American National is a good choice if you’re looking for a simple, solid policy. American National does not provide digital tools like an online customer portal or mobile app.
USAA
USAA receives consistently high scores from J.D. Power. The company also has an A++ rating from AMBest. This means that they are financially sound. USAA offers significant discounts and a wide range of coverages. They may be the best company to get insurance from, thanks to their excellent customer service scores.
USAA’s low rates have one restriction. You must be a military veteran, a former service member or a qualified family member to receive them. You may be able to get a quote from USAA if you are in this group.
State Farm
State Farm is America’s largest car insurance company. The 2020 J.D. survey rated it higher than the industry average. The Power U.S. Auto Claims Survey Satisfaction Study. AM Best, which measures financial stability gives State Farm an A++ ranking. This is the highest possible.
You can customize your State Farm policy by selecting from multiple coverage options, including rideshare coverage. Get discounts Reward safe driving, loyalty and other benefits. Customers who want to manage their policies digitally will find State Farm’s mobile app and website very helpful.
Geico
Geico offers a digital insurance experience for customers who are looking for a seamless, online experience. The mobile app can be used to request roadside assistance, access ID cards and submit photos of damage to receive a quote. It has received over 360,000 Google Play reviews and a rating 4.7 out of 5. The App Store has more than 2.6 million reviews with a rating 4.8 out of 5.
Geico offers endorsements that allow you to personalize your policy. This includes roadside assistance, rental reimbursement, and mechanical breakdown. There are also a wide range of discounts including up to 23% off for having an Airbag and 25% off if multiple vehicles are insured with Geico.
Auto-Owners
Auto-Owners has a reputation for putting customer service first. They were ranked third in the 2020 J.D. They ranked third in the 2020 J.D.
Auto-Owners provides standard liability coverages as well as several endorsements such a Personal Auto Plus package, which includes identity theft coverage, coverage for re-key locks, and coverage for cell phone replacement. Discounts include both standard offerings such as multi-car or multi-policy discounts, as well as more exclusive options like the green discount or a discount for purchasing a Life Insurance policy with Auto-Owners.
Boise has the lowest car insurance
The average cost for car insurance in Idaho for minimum coverage is $307 per year and full coverage $1,045 per year. Boise’s annual average premiums are $337 for minimum coverage and $938 for full coverage. These prices are similar to Idaho’s. Idaho drivers, including Boise, pay lower than the average national annual premium of $565 for minimum coverage, and $1,674 to cover full coverage.
Bankrate analyzed the market share of the biggest insurance companies in Boise and determined that the most affordable car insurance was offered by these five companies:
| Insurance company | Minimum coverage: Average annual premium | For full coverage, the average annual premium |
|---|---|---|
| USAA | $227 | $638 |
| State Farm | $292 | $804 |
| Farmers | $296 | $736 |
| Geico | $301 | $906 |
| All over the country | $306 | $839 |
USAA, State Farm, and Geico were also included in our “Best Of” list for good reason. They all offer affordable rates and other benefits making them great choices for cheap car insurance in Boise.
Boise also offers cheap auto insurance policies through Nationwide and Farmers. You can customize your policy with Farmers by adding a variety of endorsements. Nationwide offers a wide range of discounts. You can also save money by driving less and being more accident-free.
When shopping for car insurance, remember that price isn’t the only thing to consider. To find the right company, you might also consider their coverage options, digital and online tools, financial strength scores, customer service ratings, and other factors.
Boise insurance requirements
Nearly all states in the United States have minimum liability requirements for auto insurance. To legally drive in Idaho, you must have at least the minimum coverage. The minimum coverage requirements in Idaho are:
- $25,000 bodily injury liability per individual: If you cause an accident, this is how your insurance will pay for the injuries to the victims of that accident.
- $50,000 bodily injury liability per incident: This is the amount your insurer will pay for any injuries you cause other people as a result of an accident at fault.
- $15,000 property damage liability: Your insurer will pay for the damage to the car of another driver or any other property (e.g. fences or light posts) that you caused in an accident at fault.
Insurance experts recommend that you have liability limits that are higher than the minimum. You will be responsible for any additional bills incurred for property damage or injuries beyond your insurance limits.
Full coverage can be optional, but it is worth looking into, as it covers collision and comprehensive, which cover damages to your car. These coverages will be required if your car is financed or leased.
Boise car insurance discounts
Boise car insurance is cheaper than the national average. However, you might be able to get additional savings on your car insurance. Although most insurers offer discounts for their customers, the details of each company’s discount options will vary. These are some of the most common discounts in Boise.
- Multi-car insurance or multi-policy discounts: If you have multiple cars insured by the same company, you may be eligible for a discount. It is possible to save money by insuring your car, home, condo, or apartment with the same insurance company.
- You might be a safe driver. If you have a clean driving record over a period of time, you may qualify for a discount on auto insurance. A lot of companies offer a telematics discount. This means that you can track your driving using a smartphone app or plug-in device. You may be eligible for a discount if your data shows you are a safe driver.
- You might be a good student: If your young driver is able to maintain a certain GPA (or letter-grade average) in high school or college, they may get a discount.
Many insurers offer discounts for agreeing to pay in full or receiving documents by email. To ensure you’re taking advantage of all discounts available, call your insurance company to review your policy.
Questions frequently asked
Which is the best auto insurance company?
Each insurance policy is different so the best company for you will vary. You can find the best Boise car insurance by looking through our list of top car insurance companies for 2021. Get quotes from multiple companies to compare their coverage and premiums to determine which one is best for you. If you are looking for a low premium, our list of lowest-priced car insurance companies in 2021 may be a good place.
What is the cost of car insurance in Boise?
An average premium for auto insurance in Boise is $337 for minimum coverage, and $938 for full coverage. Your premium will vary depending on many factors, including your age, car type, and coverages you select.
What amount of car insurance do you need in Boise
Idaho’s minimum liability limits are 25/50/15. However, it is worth considering purchasing more coverage and higher limits. You may have to pay out-of-pocket costs if you are involved in an accident.