Cheapest car insurance companies in Boise City
Auto-Owners and Geico have the cheapest car insurance premiums for Boise City drivers in 2023, based on a data study by Insurance.com.
In Boise City, Auto-Owners provides the cheapest auto insurance rates to drivers at an average annual premium of $790 annually.
The cost of car insurance in Boise City varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.
Here’s a list of insurance companies offering affordable premiums to drivers in Boise City.
| Companies | Average annual rates |
|---|---|
| USAA | $647 |
| Auto-Owners | $790 |
| Geico | $953 |
| State Farm | $1,034 |
| Travelers | $1,195 |
| Nationwide | $1,318 |
| Farm Bureau | $1,363 |
| Farmers | $1,472 |
| Allstate | $1,674 |
| Sentry Insurance | $2,646 |
Cheapest car insurance cost in Boise City by Age Group
Auto-Owners stands out as Boise City's cheapest auto insurance company for teen drivers at an average annual of $2,512. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.
Among the carriers analyzed, USAA is the cheapest car insurance option for young drivers in Boise City, at $1,234 a year for a full coverage policy.
As Boise City drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. USAA stands out as the cheapest car insurance option for adult drivers, with an annual premium of $659.
If you are a senior driver in Boise City and looking for a cheap car insurance company, then consider buying insurance from USAA. It is the cheapest auto insurance company for senior drivers, with an average premium of $683 per year.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Auto-Owners | $2,512 | $1,477 | $805 | $868 |
| Farm Bureau | $2,829 | $2,265 | $1,366 | $1,127 |
| Geico | $3,078 | $1,567 | $949 | $1,206 |
| State Farm | $3,178 | $1,786 | $1,046 | $1,025 |
| Travelers | $3,892 | $1,767 | $1,216 | $1,408 |
| USAA | $3,991 | $1,234 | $659 | $683 |
| Nationwide | $4,675 | $2,295 | $1,306 | $1,273 |
| Sentry Insurance | $5,957 | $3,903 | $2,639 | $2,417 |
| Allstate | $6,413 | $2,757 | $1,648 | $1,650 |
| Farmers | $7,686 | $2,170 | $1,439 | $1,481 |
Cheapest car insurance companies in Boise City by driver profile
When determining car insurance rates in Boise City, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
Comparison shopping is the key to getting the cheapest car insurance rates in Boise City. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.
Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Boise City drivers based on driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: Geico
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
Geico has the cheapest rates for Boise City drivers with poor credit looking for affordable auto insurance. At an annual cost of $871, Geico offers substantial savings among the insurers analyzed.
Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Boise City.
| Company | Average annual rates |
|---|---|
| Geico | $871 |
| Travelers | $1,231 |
| Nationwide | $1,279 |
| USAA | $1,446 |
| Farmers | $2,224 |
| Allstate | $2,324 |
| State Farm | $4,312 |
Cheapest for drivers with a speeding ticket: Geico
Based on recent data analysis, 30-year-old drivers in Boise City with speeding tickets on their driving record can get the cheapest car insurance rates from Geico at an annual cost of $797.
Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs.
| Company | Average annual premium |
|---|---|
| Geico | $797 |
| USAA | $830 |
| State Farm | $975 |
| Travelers | $1,166 |
| Nationwide | $1,317 |
| Farmers | $1,798 |
| Allstate | $1,822 |
Cheapest auto insurance after an at-fault accident: State Farm
Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.
In a recent data analysis, Insurance.com found that State Farm offers the cheapest car insurance rates for Boise City drivers with at-fault accidents. It provides coverage at an average annual cost of $1,059.
| Company | Average annual rates |
|---|---|
| State Farm | $1,059 |
| USAA | $1,077 |
| Travelers | $1,199 |
| Geico | $1,277 |
| Nationwide | $1,366 |
| Farmers | $2,075 |
| Allstate | $2,507 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the carrier that offers cheap auto insurance rates in Boise City for drivers after a DUI. Its average annual rate for full coverage is $975.
If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $975 |
| Travelers | $1,440 |
| USAA | $1,517 |
| Farmers | $2,010 |
| Nationwide | $2,110 |
| Allstate | $2,508 |
| Geico | $3,765 |
Average car insurance cost in Boise City
The average car insurance rate in Boise City for full coverage is $1,309 per year or $109 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Boise City is $410 per year.
You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,309 | $410 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
