For a 40-year-old driver with a clean record, Boise car insurance averages about $136 a month ($1,634 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 11% below the Idaho average of $153 a month. Of the insurers open to all drivers, State Farm has the lowest full-coverage average in our Boise table, at about $94 a month.
In our data, Boise is one of the least expensive places in Idaho to insure a car. Our benchmark driver pays about $17 a month less than the Idaho average here, and Boise and Meridian have the lowest full-coverage averages of the 57 Idaho cities and towns we price, about $136 a month each.
Our data covers nine ZIP codes with a Boise mailing address, from about $132 a month in 83706 to $142 in 83713. Liability-only coverage is the exception: at about $45 a month, it costs a little more here than the Idaho average of $42.
Cost data comes from the auto rates insurers file with state regulators, priced across all nine Boise ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
How Much Is Car Insurance in Boise, ID?
Full coverage in Boise averages $1,634 a year, or about $136 a month, for our benchmark driver. Liability-only coverage at Idaho’s 25/50/15 minimum averages $543 a year ($45 a month), and 50/100/50 liability with comprehensive and collision averages $1,617 ($135 a month).
- Full coverage (100/300/100, $500 deductibles): $1,634 a year ($136 a month)
- 50/100/50 with $500 deductibles: $1,617 a year ($135 a month)
- Liability only (25/50/15): $543 a year ($45 a month)
- Ada County: $1,651 a year ($138 a month) for full coverage
- Idaho average: $1,841 a year ($153 a month) for full coverage
- ZIP code range: $132 (83706) to $142 (83713) a month for full coverage
Cheap Car Insurance in Boise: Companies Compared
- Lowest full-coverage average among insurers open to all drivers: State Farm, at about $94 a month ($1,130 a year). USAA, which sells only to military families, is lower still, at about $66 a month.
- Next lowest of the insurers we price: Safeco, at about $116 a month, then Idaho Farm Bureau at $128.
- Lowest liability-only average among the insurers we price (25/50/15): State Farm, at about $27 a month, then Safeco at $35.
- Also on our list: USAA at about $66 a month, GEICO at $100, Auto-Owners at $110, Travelers at $132 and Nationwide at $133 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $202 a month, $1,295 a year more than State Farm for the same driver and car.
In our Boise table, State Farm has the lowest full-coverage average among insurers open to all drivers. The recent statewide Idaho rate studies we reviewed don’t agree on which insurer is cheapest for full coverage. Leaving out USAA, which sells only to military families, GEICO, State Farm and Auto-Owners each come out first in two of the eight, and American National and Travelers in one each. For liability-only coverage at 25/50/15 limits, State Farm has the lowest average among the insurers we price, at about $27 a month, followed by Safeco at $35.
Full-coverage averages by insurer in Boise
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/15 (Yearly): | Minimum Liability 25/50/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| State Farm | $329 | $27 | $1,130 | $94 |
| Safeco | $415 | $35 | $1,389 | $116 |
| Idaho Farm Bureau | $435 | $36 | $1,530 | $128 |
| Farmers | $753 | $63 | $1,697 | $141 |
| Allstate | $780 | $65 | $2,425 | $202 |
| USAA (military families)* | $290 | $24 | $791 | $66 |
| GEICO* | $367 | $31 | $1,205 | $100 |
| Auto-Owners* | $360 | $30 | $1,316 | $110 |
| Travelers* | $568 | $47 | $1,582 | $132 |
| Nationwide* | $971 | $81 | $1,599 | $133 |
| Boise average | $543 | $45 | $1,634 | $136 |
This table uses Boise ZIP codes only. See how we calculated these rates.
Boise Car Insurance Rates by ZIP Code
Across the nine Boise ZIP codes we price, full coverage for our driver ranges from about $132 a month in 83706 to $142 in 83713, a gap of $113 a year. ZIP codes south and southeast of downtown, such as 83706 and 83705, are the least expensive Boise ZIP codes in our data, and 83702, which includes downtown, and 83713, in west Boise, the most expensive.
Lowest-priced Boise ZIP codes
Highest-priced Boise ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Boise’s average.
| ZIP Code: | Minimum Liability 25/50/15 (Yearly): | Minimum Liability 25/50/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 83702 | $535 | $45 | $1,663 | $139 | +2% |
| 83703 | $532 | $44 | $1,637 | $136 | About average |
| 83704 | $564 | $47 | $1,629 | $136 | About average |
| 83705 | $541 | $45 | $1,606 | $134 | -1% |
| 83706 | $528 | $44 | $1,586 | $132 | -3% |
| 83709 | $561 | $47 | $1,641 | $137 | +1% |
| 83712 | $525 | $44 | $1,625 | $135 | -1% |
| 83713 | $567 | $47 | $1,699 | $142 | +4% |
| 83716 | $528 | $44 | $1,623 | $135 | -1% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Boise?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Boise data: with the same $500 deductibles, full coverage averages $1,634 a year and 50/100/50 averages $1,617. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate, Farmers and Safeco charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Boise?
Yes, for our benchmark driver. Comparing the same insurers in the same Boise ZIP codes, full coverage averaged $1,582 a year in rates as of Nov. 30, 2025, and $1,634 as of Aug. 31, 2026, a 3.3% increase. Allstate raised its average 6.8%, Farmers 4.8% and State Farm 2.8%, while Idaho Farm Bureau’s and Safeco’s averages were unchanged. Liability-only coverage at 25/50/15 limits rose 8.2%, led by Farmers, which raised its liability-only average 18.8%.
Why Is Car Insurance Cheaper in Boise?
Ada County averages about $138 a month for full coverage, the least expensive of the 32 Idaho counties we price. Canyon County, to the west, averages $149.
The smaller Ada County towns cost a little more than the city: Garden City averages about $141 a month, Kuna $139, Eagle $143 and Star $144. Where you live is one of the factors Idaho insurers use, so neighboring cities can be priced differently.
How Boise Car Insurance Compares With Other Idaho Cities
More Idaho cities and towns are in the Idaho rates by city table, and you can compare states on our car insurance rates by state page.
Meridian, about nine miles west, averages $136 a month, and Eagle, about 10 miles northwest, $143. Nampa, about 19 miles west, averages $150.
What Car Insurance Is Required in Boise?
Drivers in Boise follow Idaho’s rules. Every registered vehicle must be covered by at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $15,000 per crash
Your policy also includes uninsured and underinsured motorist coverage at the same 25/50 limits unless you reject it in writing. Our Idaho requirements guide covers how the state checks your coverage and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Boise
- Compare State Farm and GEICO first. They have the two lowest full-coverage averages among insurers open to all drivers in our Boise table, about $94 and $100 a month.
- Quote several insurers. In our Boise data, the lowest and highest insurer averages are about $108 a month apart for the same driver and car.
- Think before you reject uninsured motorist coverage. Idaho policies include it unless you reject it in writing, and a rejection can carry over to your renewals, under Idaho Code 41-2502. It pays for your injuries when the at-fault driver has no insurance or too little. Our full-coverage prices include it at 100/300.
- Compare at every renewal. Since November 2025, Allstate has raised its average 6.8%, Farmers 4.8% and State Farm 2.8%, so the order in our table can shift.
- Insure your car and home together. A multi-policy discount is a common way to save, so compare Idaho home insurance rates too.
Ready to compare
How We Calculated Boise Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 45 full-coverage premiums from five insurers across nine Boise ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Idaho’s 25/50/15 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every insurer we rank and a published 2026 study we reviewed also ranks it cheapest.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Idaho rate studies, scaled to our benchmark driver. They aren’t included in our averages.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Idaho law and the Idaho Department of Insurance. We refresh these figures when new rate data is released.
Boise Car Insurance FAQ
For our benchmark driver, full coverage in Boise averages about $136 a month ($1,634 a year) and liability-only coverage about $45 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 11% below the Idaho average of $153 a month.
Of the insurers open to all drivers, State Farm has the lowest full-coverage average in our Boise table, at about $94 a month, followed by GEICO at $100. USAA, which sells only to military families, is lower still, at about $66 a month. For liability-only coverage, State Farm has the lowest average of the five insurers we price, at about $27 a month. The recent statewide Idaho rate studies we reviewed don’t agree on which insurer is cheapest for full coverage: leaving out USAA, GEICO, State Farm and Auto-Owners each come out first in two of the eight. Rates vary by driver, so compare quotes for your own car and ZIP code.
Compared with the rest of Idaho, yes. For our benchmark driver, Boise full coverage averages about $136 a month, 11% below the Idaho average, and Boise and Meridian have the lowest averages of the 57 Idaho cities and towns we price.
In our data, 83706 has the lowest full-coverage average in Boise, at about $132 a month, and 83713 the highest, at about $142. The ZIP code table on this page lists all nine.
In our Boise data, full coverage (100/300/100 with $500 deductibles) averages about $136 a month and liability-only coverage at 25/50/15 limits about $45, a difference of about $91 a month ($1,091 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Yes, for our benchmark driver. Comparing the same insurers and ZIP codes, Boise full coverage rose 3.3% between November 2025 and August 2026, from about $1,582 to $1,634 a year. Allstate raised its average 6.8%, Farmers 4.8% and State Farm 2.8%. Liability-only coverage at 25/50/15 limits rose 8.2%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
