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Best Car Insurance Companies in Boise, ID

Sept. 27, 2019, 1:06 p.m.

Car insurance provides financial security in case the policyholder is involved in an accident with vehicle damage or personal injury. Idaho vehicle owners are required by law to have liability insurance that pays for bodily injury and property damage, but many drivers add on other coverages. To help you choose a proper policy, our partners at ConsumerAffairs researched the best car insurance in Boise based on coverage options, affordability, company reputation and customer reviews.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. KIVI TV may receive compensation from our partners. Learn more.

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#1
EverQuote

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EverQuote
Features
  • Quotes from local agents and top car insurance companies
  • Compare the lowest rates
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  • Available in Boise
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#2
Progressive
Progressive
Features
  • Good student discount
  • Bundle policies to save
  • Mobile app
  • Roadside assistance
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#3
Liberty Mutual
Liberty Mutual
Features
  • 24/7 claims
  • Trusted for over 100 years
  • Online purchase discount
  • Save up to 30% for good driving
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#4
The General
The General
Features
  • Accepts drivers with a poor driving history
  • Low down payments
  • "A" rating by A.M. Best
  • Affiliate of American Family Insurance
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#5
Boise Insurance
Boise Insurance
Features
  • Serving Idaho since 2010
  • Best value from an independent agent
  • Free, no obligation online quote
  • Coverage review to keep up with your needs
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Location
4521 S. Cloverdale Rd., Ste. 102A
Boise, ID 83709
(208) 854-7172
#6
Silver Key Insurance
Silver Key Insurance
Features
  • Independent agents find you the best value
  • In business since 2006
  • Free, comparative quote
  • Locally owned and operated
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Location
10588 W. Business Park Ln.
Boise, ID 83709
(208) 322-3473
Insurance Services of Idaho
Insurance Services of Idaho
Features
  • M-Th: 9am - 6pm
  • F: 9am - 5pm
  • Closed Sat and Sun
  • idahoinsuranceforless.com
Location
1843 S Broadway Ave., Ste. 202
Boise, ID 83706
(208) 383-9500
Butler Insurance Services
Butler Insurance Services
Features
  • M-Th: 9am - 5:30pm
  • F: 9am - 4pm
  • Closed Sat and Sun
  • butlerinsuranceservices.com
Location
9504 W. Fairview Ave.
Boise, ID 83704
(208) 321-0081
Three Rivers Insurance
Three Rivers Insurance
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • threeriversagency.net
Location
10159 W. Overland Rd.
Boise, ID 83709
(208) 322-2445
Hartley Insurance
Hartley Insurance
Features
  • M-Th: 9am - 5:30pm
  • F: 9am - 4pm
  • Closed Sat and Sun
  • hartleyonline.com
Location
931 S. Allante Pl.
Boise, ID 83709
(208) 322-3473
Fuhriman Insurance
Fuhriman Insurance
Features
  • M-Th: 8am - 5pm
  • F: 8am - 4pm
  • Closed Sat and Sun
  • insuremeplus.com
Location
9603 W. Chinden Blvd.
Boise, ID 83714
(208) 327-3400
Financial Insurance Group
Financial Insurance Group
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • idahosbestinsurance.com
Location
8150 W. Emerald, Ste. 190
Boise, ID 83704
(208) 991-3494

How to choose a car insurance company in Boise

Boise Skyline

Rates for car insurance depend on a variety of factors, such as driving history, type of car, geographic area, crime rates and weather. According to a recent industry report, the average American is paying over $1,400 annually for car insurance, more than ever before.

Boise residents, however, are lucky to live in a state with the fifth-lowest premiums in the U.S. And Boise has the cheapest auto insurance costs in Idaho, with an average per-year cost of $1,018.

The price you pay for car insurance in Boise also depends on how much coverage you choose to buy. Idaho requires only that you carry liability insurance in the amounts of $25,000 per person, $50,000 per accident for bodily injury and $15,000 per accident for property damage. The state also mandates carrying uninsured and underinsured motorist coverage but waives this requirement for drivers who sign a form.

Boise residents often carry liability insurance beyond the minimum requirements and purchase additional coverages. These commonly include:

  • Collision coverage, which pays for damage to your car if you collide with another vehicle or other things like a building or tree
  • Comprehensive coverage, which pays for damage to your car caused by something other than a collision, like theft, fire or an animal
  • Medical payments coverage, which pays for medical costs or funeral expenses that are the result of certain accidents

Average car insurance rates by ZIP code in Boise

Location (ZIP code) Comprehensive ($100K/$300K/$100K) Liability ($50K/$100K/$50K) State-minimum ($25K/$50K/$15K)
Downtown Boise (83702) $875 $387 $361
Warm Springs (83712) $865 $374 $348
Southeast Boise (83706) $854 $368 $326
South Boise Village (83705) $868 $380 $355
Boise Junction (83704) $882 $385 $359
Harris Ranch (83716) $866 $375 $349
Northwest Boise (83713) $904 $415 $378

When shopping for car insurance in Boise, ask about discounts. The largest savings tend to apply to drivers with safe records, good students, homeowners, seniors, loyal customers and those who insure multiple vehicles.

In addition to looking for the lowest price, consider a company’s financial stability, customer service and process for handling claims. The Idaho Department of Insurance has helpful resources as you search for the best coverage in Boise.

Progressive

Progressive

Over 18 million drivers are insured with Progressive. Customers have many options for coverage and get 24/7 service and plenty of opportunities for discounts. Personalized quotes are available online in about six minutes. The company also has many local agents if you prefer to speak in person. Boise customers say they go with Progressive because of its competitive pricing and long-term savings. Progressive also has a reputation for an easy claims process.

Liberty Mutual

Liberty Mutual

Liberty Mutual agents work hard for their customers to ensure they’re getting matched with the right auto insurance policy. Boise residents can save instantly by purchasing a policy online and have multiple other ways to get discounts. Auto insurance from Liberty Mutual comes standard with a 12-month rate guarantee and 24/7 customer service. Customers are satisfied with the easy-to-use online platform and special coverage options.

The General

The General

The General has been writing car insurance around the U.S. for over 50 years. Coverage is available for all types of vehicles and drivers, including those with checkered driving records and less-than-perfect credit. Customers get access to convenient monthly payment options and quality claims handling. Customers say The General has a user-friendly website, helpful customer service and excellent prices.

Boise Insurance

Boise Insurance

Boise Insurance is an independent and local agency that represents many top providers of auto insurance. Licensed professionals on staff help customers find the best combination of coverage, cost and service and regularly review client coverage to make sure it meets needs. Boise residents can contact the company for a free quote. Customers praise the competitive pricing and the free insurance tips available on Boise Insurance’s website.

Silver Key Insurance

Silver Key Insurance

Silver Key Insurance is a Boise company that works with customers to find personalized auto insurance at the right price. This independent agency represents top insurance providers and offers free, no-obligation quotes. Website visitors can find answers to FAQs about car insurance in Idaho. Silver Key Insurance gets strong reviews from customers, who recommend the agency to others in Boise.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.