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

• Boise car insurance rates cost an average of $1,948 per year, or about $162 per month, for a full coverage policy.
• Boise car insurance costs an average of $68 per year less than the Idaho state average cost and $328 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 $146 per month, the Ford F-150 at $182, and the Toyota Corolla at $158.
• 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 $1,948 per year, or approximately $162 per month. When compared to the U.S. overall average rate, Boise car insurance cost is 15.5% cheaper per year.

The average car insurance cost in Idaho is $2,016 per year, so Boise drivers pay an average of $68 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 $118 per year cheaper than in Idaho Falls, $64 per year cheaper than in Nampa, and $96 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 – $6,933 per year or $578 per month
• 17-year-old rated driver – $6,715 per year or $560 per month
• 18-year-old rated driver – $6,018 per year or $502 per month
• 19-year-old rated driver – $5,482 per year or $457 per month
• 20-year-old rated driver – $3,916 per year or $326 per month
• 30-year-old rated driver – $2,076 per year or $173 per month
• 40-year-old rated driver – $1,948 per year or $162 per month
• 50-year-old rated driver – $1,724 per year or $144 per month
• 60-year-old rated driver – $1,616 per year or $135 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 rates in the chart range from $1,366 per year for a 60-year-old driver with $1,000 deductibles to $4,554 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 $1,948 per year.

As a monthly price, car insurance in Boise ranges from $114 to $380 for the same driver ages shown in the chart.

Car insurance rates for popular vehicles

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.

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 – $1,948 (Boise average) compared to $2,276 (U.S. average)
• Auto insurance for teen drivers is not cheap – The average cost ranges from $4,633 to $6,933 per year to insure a teen driver in Boise.
• Boise auto insurance rates are cheaper than the Idaho state average – $1,948 (Boise average) versus $2,016 (Idaho average)
• Auto insurance with low deductibles costs more – A 20-year-old driver pays an average of $1,044 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 $849 to $458 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 $2,300 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 $1,580 or less per year ($132 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 Subaru Outback.

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 $1,690 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.

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 $1,690 to $1,790 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 $1,898 per year or less.

In the bottom half of the top 20, cars like the Hyundai Ioniq 6, Mazda 3, Kia Forte, Volkswagen Jetta, Toyota Crown, and Subaru Legacy average between $1,898 and $2,014 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 $141 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 $1,690 per year, or $141 per month. For midsize cars, the Kia K5 is the cheapest model to insure at $1,874 per year, or $156 per month. And for full-size non-luxury cars, the Chrysler 300 is cheapest to insure at $1,854 per year, or $155 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 $1,690 per year and ending with the Mazda 3 at $2,014 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 $1,438 per year, the Chevrolet Trailblazer at $1,464 per year, and the Kia Soul at $1,520 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 $1,594 per year or less.

Ranked between 10th and 20th place, models like the Buick Encore, Honda CR-V, Subaru Outback, Volkswagen Taos, Kia Niro, and Buick Envista cost between $1,594 and $1,692 per year for full-coverage insurance in Boise.

Car insurance in this segment for an average middle-age driver starts at an average of $120 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 $1,438 per year ($120 per month) and ending with the Subaru Ascent at $1,692 per year ($141 per month).

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 $1,888 or less per year, or around $157 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 $2,002 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 $143 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 $1,714 per year and ending with the Ram Truck at $2,250 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 $1,730 per year. Second place is the BMW 330i costing $1,982 per year, and third place goes to the Mercedes-Benz CLA250, at an average of $2,002 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 $2,046 per year or less.

Some additional models worth mentioning include the BMW 228i, Lexus ES 300h, Audi S3, and Jaguar XF, which cost between $2,046 and $2,184 per year to insure.

As a cost per month, car insurance in Boise on this segment for the average driver will start around $144 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 $1,730 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,002 per year. And for full-size luxury cars, the Audi A5 is the cheapest model to insure at $2,314 per year.

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

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 $1,628 per year, the Lexus NX 250 at $1,722 per year, and the Cadillac XT4 at $1,758 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 $1,876 per year or less.

As a cost per month, car insurance rates in Boise on this segment for the average driver starts at around $136 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 $1,628 per year. For midsize luxury SUVs, the Jaguar E-Pace has the best rates at $1,818 per year. And for large luxury SUV models, the Infiniti QX80 is most affordable to insure at $2,184 per year.

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

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 $1,800 per year, the Toyota GR86 at $2,052 per year, and the Ford Mustang at $2,138 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 $2,328 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 $150 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 $1,800 per year and ending with the Porsche Taycan at $3,298 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 $2,200 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 $306 per year compared to a good rating of 670-739. Conversely, a less-than-perfect credit history could cost up to $355 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 $514 per year. Being convicted of a major violation such as a DUI could raise rates by an additional $1,806 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 $2,778 per year for a 20-year-old driver and even as much as $806 per year for a 40-year-old driver. So drive safe and save!