Car Insurance in Boise, ID (2025 Cheapest + Rankings)

What is the average cost of car insurance in Boise? We compare the cost to insure over 150 models to find the vehicles with cheapest car insurance rates.

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  • Boise car insurance rates cost an average of $1,900 per year, or about $158 per month, for a full coverage policy.
  • Boise car insurance costs an average of $74 per year less than the Idaho state average cost and $321 per year less than the average for all 50 states.
  • Auto insurance rates for a few popular models in Boise include the Nissan Rogue at $143 per month, the Ford F-150 at $177, and the Toyota Corolla at $154.
  • For cheap auto insurance in Boise, compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Buick Envision rank very well for overall cost.

How much does average car insurance cost in Boise?

Average car insurance rates in Boise cost $1,900 per year, or approximately $158 per month. When compared to the U.S. overall average rate, Boise car insurance cost is 15.6% cheaper per year.

The average car insurance cost in Idaho is $1,974 per year, so Boise drivers pay an average of $74 less per year than the overall Idaho state-wide average rate. The cost of auto insurance in Boise compared to other Idaho cities is around $122 per year cheaper than in Idaho Falls, $70 per year cheaper than in Nampa, and $104 per year cheaper than in Pocatello.

The age of the driver is the one factor that has the largest impact on the price of car insurance. The list below details how driver age influences cost by showing average car insurance rates for driver ages 16 through 60.

Boise car insurance cost for drivers age 16 to 60

  • 16-year-old rated driver – $6,776 per year or $565 per month
  • 17-year-old rated driver – $6,565 per year or $547 per month
  • 18-year-old rated driver – $5,883 per year or $490 per month
  • 19-year-old rated driver – $5,358 per year or $447 per month
  • 20-year-old rated driver – $3,828 per year or $319 per month
  • 30-year-old rated driver – $2,032 per year or $169 per month
  • 40-year-old rated driver – $1,900 per year or $158 per month
  • 50-year-old rated driver – $1,688 per year or $141 per month
  • 60-year-old rated driver – $1,580 per year or $132 per month

The chart below shows average Boise auto insurance cost for all 2024 models. Rates are averaged for all Boise Zip Codes and shown not only by the age of the driver, but also by three different physical damage deductibles.

Average full-coverage car insurance premium in Boise, ID for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Boise, ID for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Boise, ID Zip Codes.

Average Car Insurance Cost in Boise, ID
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,240$270
$500$3,828$319
$250$4,450$371
30$1,000$1,704$142
$500$2,032$169
$250$2,374$198
40$1,000$1,600$133
$500$1,900$158
$250$2,216$185
50$1,000$1,426$119
$500$1,688$141
$250$1,958$163
60$1,000$1,336$111
$500$1,580$132
$250$1,834$153

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Boise, ID Zip Codes. Updated June 27, 2025

Average rates in the chart range from $1,336 per year for a 60-year-old driver with $1,000 deductibles to $4,450 per year for a 20-year-old driver with $250 deductibles. The average rate we use for comparison of different models and locations is a 40-year-old driver with $500 deductibles, which is an average cost of $1,900 per year.

As a monthly price, car insurance in Boise ranges from $111 to $371 for the same driver ages shown in the chart.

The auto insurance rates referenced up to this point take the cost to insure each 2024 vehicle model and average them, which is practical for making general comparisons like the average cost difference between different locations in Idaho. Average car insurance rates are excellent when trying to find the answer to questions like “is auto insurance cheaper in Boise or Meridian?” or “are auto insurance rates in Idaho cheaper than in Texas?”.

But for more comprehensive price comparisons, the rates will be more accurate if we perform a rate analysis for the specific make and model of vehicle being insured. Each individual model has slightly different risk exposures for determining car insurance prices and this data allows for detailed insurance cost comparisons.

This next chart shows average auto insurance rates for some of the most popular cars, trucks, and SUVs bought and insured in Boise. Later on, we take a look at additional factors that affect the cost of insuring some of these models in much more detail.

Average cost to insure popular 2024 model year vehicles in Boise.
Figure 2: Average cost to insure popular 2024 model year vehicles in Boise. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Boise Zip Codes.

Boise Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Mazda CX-5$1,554$130
Honda CR-V$1,622$135
Honda HR-V$1,656$138
Honda Civic$1,686$141
Subaru Forester$1,694$141
Nissan Rogue$1,710$143
Ford Explorer$1,726$144
Ford Escape$1,736$145
Chevrolet Equinox$1,752$146
Toyota RAV4$1,756$146
Ford Ranger$1,818$152
Honda Accord$1,836$153
Honda Pilot$1,852$154
Jeep Grand Cherokee$1,904$159
Hyundai Santa Fe$1,936$161
Toyota 4Runner$2,038$170
Toyota Camry$2,044$170
Ford Mustang$2,090$174
Chevrolet Silverado$2,102$175
Ford F150$2,128$177
Jeep Wrangler$2,172$181
Ram Truck$2,202$184
Chevrolet Corvette$2,636$220

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Boise, ID Zip Codes. Updated June 27, 2025

Models popular with drivers in Boise tend to be small or midsize sedans like the Toyota Corolla, Hyundai Elantra, and Honda Accord and small or midsize SUVs like the Ford Escape, Toyota RAV4, and Chevy Traverse.

Some additional popular models in Boise from other vehicle segments include luxury models like the Lexus ES 350, Cadillac XT5, and BMW X5 and sports cars like the Chevy Corvette, Audi TT, and Ford Mustang.

We get into car insurance rates for many more vehicles in a little bit, but before we do that, let’s make a quick review of some of the key concepts that we covered in this first section.

  • Boise average car insurance cost is less than the U.S. average – $1,900 (Boise average) compared to $2,221 (U.S. average)
  • Auto insurance for teen drivers is not cheap – The average cost ranges from $4,531 to $6,776 per year to insure a teen driver in Boise.
  • Boise auto insurance rates are cheaper than the Idaho state average – $1,900 (Boise average) versus $1,974 (Idaho average)
  • Auto insurance with low deductibles costs more – A 20-year-old driver pays an average of $1,024 more per year for $250 physical damage deductibles versus $1,000.
  • Teen females have cheaper rates than teenage males – Female drivers age 16 to 19 pay $827 to $446 less each year than males of the same age.
  • Auto insurance gets more affordable as you age – Average rates for a 60-year-old driver in Boise are $2,248 per year cheaper than for a 20-year-old driver.

In Boise, which vehicles are cheapest to insure?

The models with the best car insurance quotes in Boise, ID, tend to be small SUVs and crossovers like the Subaru Crosstrek, Chevrolet Trailblazer, Toyota Corolla Cross, and Hyundai Venue. Average insurance rates for those vehicles cost $1,546 or less per year ($129 per month) to have full coverage.

Some additional vehicles that come in near the top in the cost comparison table below are the Acura RDX, Buick Encore, Ford Bronco Sport, and Honda CR-V.

Rates are a little bit more for those models than the compact SUVs at the top of the rankings, but they still have average rates of $1,656 or less per year.

The following table details the 20 cars, trucks, and SUVs with the cheapest insurance rates in Boise, ordered by annual cost.

Top 20 Cheapest Cars, Trucks, and SUVs to Insure in Boise
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,406$117
2Chevrolet Trailblazer$1,430$119
3Kia Soul$1,484$124
4Nissan Kicks$1,498$125
5Honda Passport$1,516$126
6Buick Envision$1,526$127
7Toyota Corolla Cross$1,532$128
8Hyundai Venue$1,546$129
9Mazda CX-5$1,554$130
10Ford Bronco Sport$1,558$130
11Volkswagen Tiguan$1,576$131
12Acura RDX$1,592$133
13Nissan Murano$1,598$133
14Buick Encore$1,616$135
15Honda CR-V$1,622$135
16Subaru Outback$1,622$135
17Buick Envista$1,626$136
18Volkswagen Taos$1,630$136
19Kia Niro$1,638$137
20Toyota GR Corolla$1,652$138

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Boise, ID Zip Codes. Updated June 26, 2025

Top 20 cheapest vehicles to insure in Boise, ID with the Subaru Crosstrek ranking first at $1,406 per year
Top 20 cheapest vehicles to insure in Boise, ID with the Subaru Crosstrek ranking first at $1,406 per year

The table above that contains 20 of the cheapest vehicles to insure in Boise doesn’t do a great job of providing a detailed view of the cost of car insurance. A more efficient way to look at car insurance rates for more vehicles is to organize them by automotive segment. The next sections break out the vehicles with the most affordable car insurance rates in Boise for the six most popular segments.

Cheapest car insurance rates in Boise

When comparing 2024 models, the top five cheapest non-luxury cars to insure in Boise are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Rates for for these models range from $1,652 to $1,748 per year.

Rounding out the top 10 are cars like the Chevrolet Malibu, Toyota Corolla, Kia K5, and Honda Accord, with an average cost to insure of $1,852 per year or less.

In the bottom half of the top 20, cars like the Hyundai Ioniq 6, Mazda 3, Kia Forte, Toyota Crown, Volkswagen Jetta, and Subaru Legacy average between $1,852 and $1,968 per year for insurance in Boise.

On a monthly basis, full-coverage car insurance in this segment for the average driver can cost as low as $138 per month, depending on your company and location.

If rates are ranked based on vehicle size, the cheapest non-luxury compact car to insure in Boise is the Toyota GR Corolla at $1,652 per year, or $138 per month. For midsize cars, the Kia K5 is the cheapest model to insure at $1,832 per year, or $153 per month. And for full-size non-luxury cars, the Chrysler 300 is cheapest to insure at $1,812 per year, or $151 per month.

The next table ranks the twenty cars with the lowest-cost average auto insurance rates in Boise, starting with the Toyota GR Corolla at $1,652 per year and ending with the Mazda 3 at $1,968 per year.

Cheapest Cars to Insure in Boise
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,652$138
Nissan LeafCompact$1,666$139
Honda CivicCompact$1,686$141
Nissan SentraCompact$1,744$145
Subaru ImprezaCompact$1,748$146
Toyota PriusCompact$1,778$148
Kia K5Midsize$1,832$153
Honda AccordMidsize$1,836$153
Chevrolet MalibuMidsize$1,846$154
Toyota CorollaCompact$1,852$154
Kia ForteCompact$1,858$155
Volkswagen ArteonMidsize$1,872$156
Nissan VersaCompact$1,876$156
Subaru LegacyMidsize$1,876$156
Hyundai Ioniq 6Midsize$1,892$158
Mitsubishi Mirage G4Compact$1,920$160
Toyota CrownMidsize$1,926$161
Volkswagen JettaCompact$1,926$161
Hyundai SonataMidsize$1,928$161
Mazda 3Compact$1,968$164

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Boise, ID Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Boise, ID, with the Toyota GR Corolla ranking first at $1,652 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Boise, ID, with the Toyota GR Corolla ranking first at $1,652 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see insurance cost for your vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Idaho.

Cheapest SUV insurance rates in Boise

The most affordable non-luxury SUVs to insure in Boise are the Subaru Crosstrek at $1,406 per year, the Chevrolet Trailblazer at $1,430 per year, and the Kia Soul at $1,484 per year.

Not the cheapest SUVs to insure, but still very reasonable, are models like the Mazda CX-5, Ford Bronco Sport, Hyundai Venue, and Buick Envision, with an average car insurance cost of $1,558 per year or less.

Ranked between 10th and 20th place, models like the Buick Encore, Subaru Outback, Honda CR-V, Volkswagen Taos, Kia Niro, and Buick Envista cost between $1,558 and $1,658 per year for full-coverage insurance in Boise.

Car insurance in this segment for an average middle-age driver starts at an average of $117 per month, depending on the company and your location.

The rate comparison table below ranks the SUVs with the most affordable insurance rates in Boise, starting with the Subaru Crosstrek at $1,406 per year ($117 per month) and ending with the Subaru Ascent at $1,658 per year ($138 per month).

Cheapest SUVs to Insure in Boise
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,406$117
Chevrolet TrailblazerCompact$1,430$119
Kia SoulCompact$1,484$124
Nissan KicksCompact$1,498$125
Honda PassportMidsize$1,516$126
Buick EnvisionCompact$1,526$127
Toyota Corolla CrossCompact$1,532$128
Hyundai VenueCompact$1,546$129
Mazda CX-5Compact$1,554$130
Ford Bronco SportCompact$1,558$130
Volkswagen TiguanCompact$1,576$131
Nissan MuranoMidsize$1,598$133
Buick EncoreCompact$1,616$135
Honda CR-VCompact$1,622$135
Subaru OutbackMidsize$1,622$135
Buick EnvistaMidsize$1,626$136
Volkswagen TaosCompact$1,630$136
Kia NiroCompact$1,638$137
Honda HR-VCompact$1,656$138
Subaru AscentMidsize$1,658$138

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Boise, ID Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Boise, ID, with the Subaru Crosstrek ranking first at $1,406 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Boise, ID, with the Subaru Crosstrek ranking first at $1,406 per year.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see insurance rates for your SUV? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Idaho.

Cheapest pickup insurance rates in Boise

The top five models for the most affordable Boise car insurance rates in the pickup truck segment are the Ford Ranger, Ford Maverick, Nissan Frontier, Nissan Titan, and Chevrolet Colorado. Car insurance prices for these 2024 models average $1,848 or less per year, or around $154 per month.

Not the cheapest to insure, but still ranked well, are pickups like the GMC Canyon, GMC Sierra 2500 HD, Hyundai Santa Cruz, and Honda Ridgeline, with average insurance cost of $1,958 per year or less.

From a cost per month standpoint, full-coverage insurance in this segment for a safe driver can cost as low as $140 per month, depending on where you live and the company you use.

The next table ranks the pickups with the lowest-cost average insurance rates in Boise, starting with the Chevrolet Colorado at $1,678 per year and ending with the Ram Truck at $2,202 per year.

Cheapest Pickups to Insure in Boise
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,678$140
Nissan TitanFull-size$1,780$148
Nissan FrontierMidsize$1,798$150
Ford RangerMidsize$1,818$152
Ford MaverickMidsize$1,848$154
Honda RidgelineMidsize$1,888$157
Hyundai Santa CruzMidsize$1,920$160
Toyota TacomaMidsize$1,928$161
GMC Sierra 2500 HDHeavy Duty$1,934$161
GMC CanyonMidsize$1,958$163
Jeep GladiatorMidsize$2,004$167
GMC Sierra 3500Heavy Duty$2,014$168
Chevrolet Silverado HD 3500Heavy Duty$2,034$170
Chevrolet Silverado HD 2500Heavy Duty$2,088$174
GMC SierraFull-size$2,100$175
Chevrolet SilveradoFull-size$2,102$175
Nissan Titan XDHeavy Duty$2,104$175
Ford F150Full-size$2,128$177
GMC Hummer EV PickupFull-size$2,184$182
Ram TruckFull-size$2,202$184

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Boise, ID Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Boise, ID, with the Chevrolet Colorado ranking first at $1,678 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Boise, ID, with the Chevrolet Colorado ranking first at $1,678 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see insurance rates for your pickup? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Idaho.

Cheapest luxury car insurance rates in Boise

The top-ranked vehicle in Boise for cheapest average insurance in the luxury sedan segment is the Acura Integra, coming in at $1,692 per year. Second place is the BMW 330i costing $1,938 per year, and third place goes to the Mercedes-Benz CLA250, at an average of $1,958 per year.

Other luxury cars that rank well include the Lexus RC 300, Mercedes-Benz AMG CLA35, Lexus ES 350, and Genesis G70, with average rates of $2,000 per year or less.

Some additional models worth mentioning include the BMW 228i, Lexus ES 300h, Audi S3, and Jaguar XF, which cost between $2,000 and $2,132 per year to insure.

As a cost per month, car insurance in Boise on this segment for the average driver will start around $141 per month, depending on the company and where you live.

When the luxury car segment is analyzed by vehicle size, the cheapest compact luxury car to insure in Boise is the Acura Integra at $1,692 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is the cheapest model to insure at $1,958 per year. And for full-size luxury cars, the Audi A5 is the cheapest model to insure at $2,262 per year.

The rate comparison table below ranks the luxury cars with the cheapest average insurance rates in Boise.

Cheapest Luxury Cars to Insure in Boise
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,692$141
BMW 330iCompact$1,938$162
Mercedes-Benz CLA250Midsize$1,958$163
Lexus IS 300Midsize$1,960$163
Acura TLXCompact$1,968$164
Lexus ES 350Midsize$1,986$166
Cadillac CT4Compact$1,988$166
Genesis G70Compact$1,992$166
Mercedes-Benz AMG CLA35Midsize$1,996$166
Lexus RC 300Midsize$2,000$167
Lexus IS 350Compact$2,010$168
Jaguar XFMidsize$2,012$168
Cadillac CT5Midsize$2,050$171
Lexus ES 250Midsize$2,058$172
Lexus RC 350Compact$2,064$172
BMW 330eCompact$2,066$172
BMW 228iCompact$2,068$172
BMW 230iCompact$2,084$174
Lexus ES 300hMidsize$2,088$174
Audi S3Compact$2,132$178

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Boise, ID Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Boise, ID, with the Acura Integra ranking first at $1,692 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Boise, ID, with the Acura Integra ranking first at $1,692 per year.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see your luxury car in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Boise car insurance quotes from the best car insurance companies in Idaho.

Cheapest luxury SUVs to insure in Boise

The cheapest luxury SUVs to insure in Boise are the Acura RDX at $1,592 per year, the Lexus NX 250 at $1,686 per year, and the Cadillac XT4 at $1,718 per year.

Also ranking well are SUVs like the Mercedes-Benz GLB 250, Lexus UX 250h, Lexus NX 450h, and Lincoln Corsair, with average cost of $1,834 per year or less.

As a cost per month, car insurance rates in Boise on this segment for the average driver starts at around $133 per month, depending on where you live.

When vehicle size is factored in, the most affordable compact luxury SUV to insure in Boise is the Acura RDX at $1,592 per year. For midsize luxury SUVs, the Jaguar E-Pace has the best rates at $1,780 per year. And for large luxury SUV models, the Infiniti QX80 is most affordable to insure at $2,132 per year.

The table below ranks the luxury SUVs with the most affordable car insurance in Boise.

Cheapest Luxury SUVs to Insure in Boise
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,592$133
Lexus NX 250Compact$1,686$141
Cadillac XT4Compact$1,718$143
Jaguar E-PaceMidsize$1,780$148
Cadillac XT5Midsize$1,794$150
Lexus NX 350hCompact$1,794$150
Lincoln CorsairCompact$1,816$151
Mercedes-Benz GLB 250Compact$1,822$152
Lexus UX 250hCompact$1,824$152
Lexus NX 450hCompact$1,834$153
Infiniti QX50Midsize$1,850$154
Mercedes-Benz GLA250Compact$1,856$155
Mercedes-Benz GLA35 AMGCompact$1,862$155
Cadillac XT6Midsize$1,864$155
Infiniti QX60Midsize$1,872$156
Mercedes-Benz AMG GLB35Midsize$1,874$156
Land Rover EvoqueCompact$1,900$158
Acura MDXMidsize$1,902$159
Lexus NX 350Compact$1,908$159
Lexus RX 350Midsize$1,912$159

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Boise, ID Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Boise, ID, with the Acura RDX ranking first at $1,592 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Boise, ID, with the Acura RDX ranking first at $1,592 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see insurance cost for your luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Boise car insurance quotes from the best car insurance companies in Idaho.

Cheapest sports cars to insure in Boise

The three highest ranking sports cars with the lowest-cost car insurance in Boise are the Mazda MX-5 Miata at $1,760 per year, the Toyota GR86 at $2,004 per year, and the Ford Mustang at $2,090 per year.

Not the cheapest in the list, but still ranking well, are cars like the BMW M2, Lexus RC F, Toyota GR Supra, and Nissan Z, with an average cost of $2,276 per year or less.

On a monthly basis, full-coverage insurance in Boise on this segment for an average middle-age driver will start around $147 per month, depending on your location and insurance company. The next table ranks the twenty sports cars with the lowest-cost average auto insurance rates in Boise, starting with the Mazda MX-5 Miata at $1,760 per year and ending with the Porsche Taycan at $3,222 per year.

Cheapest Sports Cars to Insure in Boise
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,760$147
Toyota GR86Sports Car$2,004$167
Ford MustangSports Car$2,090$174
BMW Z4Sports Car$2,102$175
Subaru WRXSports Car$2,134$178
Toyota GR SupraSports Car$2,136$178
BMW M2Sports Car$2,200$183
Nissan ZSports Car$2,204$184
Lexus RC FSports Car$2,248$187
Subaru BRZSports Car$2,276$190
BMW M3Sports Car$2,402$200
Porsche 718Sports Car$2,450$204
Chevrolet CamaroSports Car$2,472$206
Chevrolet CorvetteSports Car$2,636$220
Porsche 911Sports Car$2,726$227
BMW M4Sports Car$2,840$237
Lexus LC 500Sports Car$2,854$238
Jaguar F-TypeSports Car$3,004$250
Mercedes-Benz AMG GT53Sports Car$3,150$263
Porsche TaycanSports Car$3,222$269

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Boise, ID Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Boise, ID, with the Mazda MX-5 Miata ranking first at $1,760 per year.
Ranking of the cheapest sports cars to insure in Boise, ID, with the Mazda MX-5 Miata ranking first at $1,760 per year.

Looking for rates for a different vehicle? Not a problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Boise.

Tips for saving money on Boise car insurance

Financially savvy drivers are always searching for ways to pay less for insurance, so look through the money-saving ideas in this next list and maybe you can save a few bucks the next time your policy renews.

  • You don’t have to stick with the same company. Taking 5-10 minutes before every policy renewal to get some free car insurance quotes is our best recommendation for saving money. Companies make rate modifications frequently and you do not have to wait for your renewal to change companies.
  • Buy vehicles with low cost insurance rates. The performance of the vehicle you drive is an important factor in the cost of auto insurance. For example, a Subaru Crosstrek costs $2,150 less per year to insure in Boise than a Acura NSX. Lower performance vehicles cost less to insure.
  • Raise your credit score to score lower rates. Having a good credit rating over 800 may save $298 per year compared to a good rating of 670-739. Conversely, a less-than-perfect credit history could cost up to $346 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • A good driving record means cheaper insurance cost. In order to get the cheapest car insurance in Boise, it pays to be a good, safe driver. As a matter of fact, just a couple minor driving infractions could increase car insurance rates by up to $508 per year. Being convicted of a major violation such as a DUI could raise rates by an additional $1,772 or more.
  • Compare auto insurance rates before buying a car. Different vehicles, and even different trims of the same vehicle, have very different costs for insurance, and auto insurance companies can charge widely varying rates. Check the cost of insurance before you purchase in order to avoid insurance sticker shock when you see your first insurance bill.
  • Fewer accidents means cheaper car insurance. Too many at-fault accidents can cost more, possibly up to $2,718 per year for a 20-year-old driver and even as much as $794 per year for a 40-year-old driver. So drive safe and save!