Can Do Auto Insurance: Boise, Idaho's Best

Boise, Idaho, has some of the cheapest car insurance rates in the US. The average cost of car insurance for minimum coverage is about 33% lower than the national average. The best car insurance companies in Boise, Idaho, are Geico, Auto-Owners Insurance, USAA, State Farm, and Farm Bureau. These companies offer rates lower than the city's average and are known for their excellent customer service and reliable coverage options.

Cheapest car insurance in Boise, Idaho

The cost of car insurance in Boise, Idaho, is about 33% lower than the national average. The average cost of car insurance in the city is $38 per month, which is a little more expensive than the state average of $31 per month. However, the cost of insurance depends on several factors, including age, gender, location, driving history, type of car, credit score, and more.

Minimum Coverage

For minimum coverage, State Farm is the cheapest option, with rates as low as $27 per month or $421 per year. Geico is another affordable option, with rates starting at $19 per month or $223 per year. American National is also mentioned as the cheapest car insurance company in Boise for minimum coverage, but no rates are provided.

Full Coverage

State Farm also offers the cheapest rates for full coverage, with an average cost of $79 per month. Geico is another good option, with full coverage starting at $65 per month or $778 per year.

Young Drivers

For young drivers, State Farm offers the cheapest rates, with an average of $255 per month for full coverage. Farm Bureau is another option, with an average cost of $276 per month.

Poor Credit

For drivers with poor credit, Geico and State Farm offer the most affordable rates. On average, drivers with poor credit in Boise pay $1,846 per year for full coverage.

Speeding Ticket

Drivers with a speeding ticket on their record can find the cheapest rates at State Farm, followed by Geico.

At-Fault Accident

State Farm and USAA are the most affordable options for drivers who have been in an at-fault accident.

DUI

State Farm offers the cheapest rates for drivers with a DUI, with an average of $23 per month or $280 per year.

Car insurance discounts

Car insurance can be expensive, but there are many ways to save money on your policy. Here are some common car insurance discounts to look out for:

Driver History Discounts

If you have a clean driving record, you may be eligible for a "good driver" discount. This usually means not having any accidents or traffic violations, such as speeding, within a specified period, typically three to five years. Some insurers also offer an "accident-free" discount, which is similar but not always the same, so be sure to ask about both. Completing a defensive driving course can also help you save, and some insurers offer discounts for drivers who enrol in telematics programs, which track your driving behaviour in real time.

Affiliation Discounts

Your job, school, or membership in certain organisations may qualify you for a discount. For example, some insurers offer discounts to alumni of specific universities or members of professional organisations like the American Library Association. Military members, veterans, and their families may also be eligible for discounted rates.

Vehicle-Related Features Discounts

If you drive a newer car, an environmentally friendly vehicle, or a car with safety features and anti-theft devices, you may be able to get a discount on your insurance. Insurers may offer discounts for vehicles with anti-lock brakes, dual airbags, alarms, or steering wheel locks.

Personal Traits Discounts

Full-time students who earn good grades (usually a B average or higher) often qualify for discounted rates. Homeowners may also be eligible for discounts, even if they don't buy homeowners insurance from their auto insurer. Students who leave their cars at home while away at college may also qualify for a discount, as they will be driving less.

Customer Loyalty Discounts

Some insurers reward customers for their loyalty by offering discounts for renewing policies, insuring multiple cars, or bundling multiple policies, such as home and auto insurance. However, be cautious of insurers that use price optimization, as they may charge loyal customers higher rates.

Policy-Related Discounts

You can often get a discount for setting up automatic payments or paying your bill in full. Switching to electronic statements can also save you money. Getting a quote before your current policy expires or shopping around for the best rates can also help you find discounts and lower your premium.

Best car insurance companies in Boise, Idaho

When looking for the best car insurance companies in Boise, Idaho, it's important to consider factors such as coverage options, affordability, company reputation, and customer reviews. Here is a list of some of the top car insurance companies in Boise, along with their features and benefits:

State Farm

State Farm offers the cheapest rates for full coverage in Boise, with an average cost of $79 per month. They also have the best rates for minimum coverage, at $27 per month. State Farm is a great option for young drivers, as they offer the cheapest rates for teens, with an average of $255 per month for full coverage. Additionally, they provide affordable rates for drivers with accidents, speeding tickets, DUIs, or poor credit.

Geico

Geico is known for its competitive pricing and long-term savings. They offer the cheapest liability insurance, with rates starting at $19 per month or $223 per year. Geico is also a good choice for full coverage, with rates as low as $65 per month. They provide discounts for safe drivers, good students, homeowners, and those who insure multiple vehicles.

Farm Bureau

Farm Bureau is the second-cheapest option for minimum coverage, with an average cost of $45 per month. They are also a recommended provider for teen drivers, offering rates as low as $65 per month for minimum coverage. Farm Bureau is worth considering for drivers with accidents or speeding tickets on their record.

Auto-Owners Insurance

Auto-Owners Insurance is the second-cheapest option for liability insurance, with rates starting at $20 per month or $242 per year. They also offer affordable full coverage, with rates as low as $778 per year. Their rates are competitive for drivers with speeding tickets, accidents, or DUIs on their records.

USAA

USAA offers the cheapest full coverage quotes for current and former military members and their families, with an average of $693 per year or $58 per month. They also provide competitive rates for drivers with speeding tickets, accidents, or DUIs.

Liberty Mutual

Liberty Mutual agents work hard to match customers with the right auto insurance policy. They offer instant savings when purchasing a policy online and have multiple other ways to get discounts. Their auto insurance comes with a 12-month rate guarantee and 24/7 customer service.

The General

The General has been providing car insurance for over 50 years and caters to all types of vehicles and drivers, including those with checkered driving records and less-than-perfect credit. They offer convenient monthly payment options and quality claims handling. Customers appreciate their user-friendly website, helpful customer service, and excellent prices.

Boise Insurance

Boise Insurance is an independent and local agency that represents top providers. They help customers find the best combination of coverage, cost, and service. They regularly review client coverage to ensure it meets their needs and offer free quotes. Customers praise their competitive pricing and the free insurance tips available on their website.

Silver Key Insurance

Silver Key Insurance is a Boise-based company that works with customers to find personalized auto insurance at the right price. They represent top insurance providers and offer free, no-obligation quotes. Customers highly recommend them to others in Boise.

When choosing a car insurance company in Boise, Idaho, be sure to compare quotes from multiple insurers and ask about available discounts. Additionally, consider factors such as financial stability, customer service, and the process for handling claims.

Required auto coverage in Idaho

In Idaho, motorists are required by law to carry car insurance. The state has specific minimum insurance requirements that drivers must meet to drive legally. These laws are in place to protect both the driver and other motorists.

The minimum liability coverage in Idaho is 25/50/15:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $15,000 for property damage per accident

Bodily injury liability coverage helps pay for the other driver's and passengers' injuries when the policyholder is at fault in an accident. This coverage typically covers the other person's medical bills. Idaho law requires a minimum of $25,000 per person and $50,000 per accident in bodily injury coverage. However, higher limits can be purchased for more protection.

Property damage liability coverage pays for damage to someone else's property when the policyholder is at fault. This includes damage to another vehicle, a fence, a telephone pole, and other types of property. Idaho law mandates a minimum of $15,000 in property damage liability coverage, but higher limits can be purchased for additional protection.

In addition to the above, insurance companies in Idaho are required to offer uninsured motorist (UM) bodily injury coverage and underinsured motorist (UIM) bodily injury coverage. These coverages protect the policyholder in the event they are injured by a driver who does not have insurance or does not have sufficient insurance. The coverage limits for UM/UIM bodily injury coverage typically match the limits chosen for bodily injury liability coverage. However, this may vary between insurance carriers. Policyholders can reject these coverages in writing if they choose to do so.

While meeting the minimum insurance requirements is necessary to drive legally in Idaho, it is important to note that these minimums may not provide adequate coverage in the event of a serious accident. The minimum coverage limits can be quickly exhausted if there are significant injuries or property damage. As such, it is generally recommended to consider purchasing higher coverage limits to ensure sufficient financial protection.

Optional auto coverage in Idaho

Idaho's minimum auto insurance requirements include auto liability coverage (bodily injury liability and property damage liability) and personal injury protection. However, there are several optional auto coverages that you may want to consider to enhance your protection. Here are some of the common optional auto coverages available in Idaho:

Collision Coverage

This coverage helps pay for the repair or replacement of your vehicle if it is damaged in an accident involving a collision with another vehicle, object, or road debris. You will typically need to pay a deductible, which is your portion of the repair costs. The amount of the deductible will be specified in your auto insurance policy.

Comprehensive Coverage

Comprehensive coverage pays out when your vehicle is damaged due to causes other than a collision, such as weather events, fire, animal collisions, vandalism, or theft. Similar to collision coverage, you will usually pay a deductible, which will be outlined in your policy.

Glass Coverage

This coverage is typically included as part of comprehensive coverage and pays for the repair or replacement of your vehicle's glass, including the windshield, windows, and sunroof/moonroof. There may be a separate deductible amount for glass coverage, so be sure to review your policy or consult your insurance agent for specific details.

Roadside Assistance/Towing & Labor

Roadside assistance coverage provides assistance if you need a tow or other types of help while on the road, such as lockout services or fuel delivery. The extent of coverage and the coverage limits can vary between insurance companies, so it's important to understand what is and isn't covered under your specific policy.

Rental Car Reimbursement

This coverage pays for the cost of renting a substitute vehicle while your vehicle is being repaired or if it has been deemed a total loss. The type of rental vehicle approved and the rental rate may depend on the coverage limits in your policy. Keep in mind that fuel and additional services from the rental company are typically not covered.

Medical Payments Coverage

Medical payments coverage helps cover medical bills and funeral expenses for you and your passengers if you are injured in a covered auto accident, regardless of who is at fault.

It's important to note that available optional coverages may vary by insurance company, so it's always a good idea to check with your insurance provider or agent to understand the specific coverages, coverage limits, and deductible amounts available for your auto policy in Idaho.

Frequently asked questions