Cheapest Car Insurance In Boise, ID 2026
Boise drivers can find the lowest minimum coverage rates with National General, which costs an average of $57 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the cheapest car insurance in Boise, ID, depends on your driving profile, but currently, carriers like National General and Progressive offer highly competitive local rates. On average, Boise drivers pay between $59 and $88 per month for minimum liability coverage, while full coverage typically ranges from $98 to $187 monthly.
Securing the lowest premium requires comparing quotes based on your specific Ada County ZIP code, vehicle type, and driving record. Because localized factors impact pricing, evaluating multiple providers remains essential to minimizing your insurance costs.
What’s Changed In 2026?
- Auto insurance premiums in Idaho recently dropped by double digits after years of steady increases.
- Boise currently offers some of the lowest average auto insurance rates within the state.
- The national affordability gap is widening, keeping Idaho as one of the cheapest markets available.
Cheapest Car Insurance Companies In Boise, ID 2026
Cheapest Liability-only Car Insurance In Boise: National General
In Boise, National General has the lowest rates for minimum coverage car insurance, costing an average of $57 each month.
Compare insurance rates from multiple providers by looking at the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $58 | $696 |
| Direct Auto | $70 | $840 |
| Progressive | $65 | $780 |
| Dairyland | $73 | $876 |
| Liberty Mutual | $90 | $1,080 |
Cheapest Full Coverage Insurance Rates In Boise: Progressive
At just $100 a month on average, Progressive offers the lowest-priced full coverage car insurance in Boise.
Below is a chart that breaks down average quotes from Boise’s most affordable insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $100 | $1,200 |
| National General | $114 | $1,368 |
| Liberty Mutual | $141 | $1,692 |
| Direct Auto | $122 | $1,464 |
| Foremost | $182 | $2,184 |
Cheapest Car Insurance Rates For Seniors: Direct Auto
At just $67 per month on average, Direct Auto offers the cheapest car insurance for seniors in Boise.
The chart below shows the average rates offered by the most affordable car insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $67 | $804 |
| Safeco | $75 | $900 |
| Liberty Mutual | $87 | $1,044 |
| Dairyland | $88 | $1,056 |
| Foremost | $111 | $1,332 |
Cheapest Rates In Boise For Teenagers: Progressive
Young drivers in Boise can find the most budget-friendly car insurance from Progressive, which costs about $186 per month.
The chart below displays the cheapest auto insurance providers for young drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $186 | $2,232 |
| Direct Auto | $239 | $2,868 |
| National General | $237 | $2,844 |
| Liberty Mutual | $259 | $3,108 |
| Foremost | $348 | $4,176 |
Cheapest Auto Insurance For Young Adults in Boise: American National
Boise’s young adults can find the most affordable auto insurance with American National, costing about $64 per month.
Take a look at the table below to compare Boise’s lowest car insurance rates for young adults.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $64 | $768 |
| General Casualty | $87 | $1,044 |
| USAA | $80 | $960 |
| National General | $81 | $972 |
| State Farm | $90 | $1,080 |
Cheapest Car Insurance In Boise For Good Drivers: National General
If you’re a good driver in Boise, National General has the cheapest car insurance, with an average cost of $57 a month.
The table below highlights the most budget-friendly auto insurance rates for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $57 | $684 |
| Direct Auto | $69 | $828 |
| Progressive | $64 | $768 |
| Dairyland | $72 | $864 |
| Liberty Mutual | $88 | $1,056 |
Find affordable Boise rates
Cheapest Car Insurance In Boise After A Speeding Ticket: National General
If you have a speeding ticket on your record, National General provides one of the lowest insurance rates in Boise at $80 per month.
The table below provides a breakdown of insurance costs for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $80 | $960 |
| Direct Auto | $92 | $1,104 |
| Safeco | $96 | $1,152 |
| Liberty Mutual | $126 | $1,512 |
| Dairyland | $97 | $1,164 |
Cheapest For Drivers With After At-Fault Accident: National General
With an average monthly premium of $82, National General provides the lowest car insurance rates for at-fault drivers.
The following companies have the most affordable car insurance options for at-fault drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $82 | $984 |
| Safeco | $100 | $1,200 |
| Progressive | $90 | $1,080 |
| Dairyland | $103 | $1,236 |
| Foremost | $134 | $1,608 |
Free Policy Review: Spot Gaps. Cut Costs.
Cheapest Rates In Boise For Drivers After A DUI: National General
At $99 per month on average, National General offers the cheapest car insurance for drivers with a DUI in Boise.
The table below provides a breakdown of the most affordable insurance plans for DUI drivers in Boise.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $99 | $1,188 |
| Safeco | $111 | $1,332 |
| Progressive | $105 | $1,260 |
| Foremost | $152 | $1,824 |
| Liberty Mutual | $147 | $1,764 |
Best Car Insurance Companies In Boise
Boise drivers can secure the cheapest coverage with National General at $57 per month, but they might also explore Progressive at $64 or Direct Auto at $69.
This chart ranks the top car insurance companies in Boise, ID, based on their typical monthly premiums.
| Company | Monthly Premium |
| National General | $57 |
| Direct Auto | $69 |
| Progressive | $64 |
| Dairyland | $72 |
| Liberty Mutual | $88 |
| Safeco | $70 |
| Bristol West | $84 |
| Foremost | $89 |
| The General | $104 |
Average Auto Insurance Rates In Boise – By Age
Insurance companies set rates based on age, among other factors. Young drivers tend to have higher premiums because they are statistically more prone to accidents. A typical teen driver pays around $1,691 per year.
At 25, insurance premiums often decline, but only if the driver has a clean record.
The best insurance rates are generally given to drivers in their 50s and early 60s, as age helps insurers determine risk and cost.
| Age | Average Yearly Rate |
| Teenagers | $1,691 |
| 20s | $1,331 |
| 30s | $753 |
| 40s | $641 |
| 50s | $668 |
| 60s | $598 |
| 70s | $827 |
Average Rates In Boise – By Vehicle
Car insurance rates vary based on the type of vehicle you own. Insurers factor in the make, model, and year, and typically, luxury or newer cars come with steeper premiums.
The table below shows how insurance costs vary by vehicle type in Boise.
| Vehicle | Average Monthly Rate |
| Kia Rio | $73 |
| Toyota Prius | $56 |
| Kia Optima | $63 |
| Subaru Outback | $59 |
| Chrysler 200 | $98 |
How Much Is Car Insurance In Other Cities in Idaho?
The area you live in directly impacts your car insurance rates. If your city has high accident or crime rates, you’ll likely pay more for coverage.
The average monthly car insurance rate is $95 in Post Falls, but in Sun Valley, it’s only $64.
| City | Average Monthly Rate |
| Moscow | $66 |
| Sun Valley | $64 |
| Meridian | $74 |
| Rexburg | $71 |
| Coeur D Alene | $81 |
| Pocatello | $77 |
| Blackfoot | $71 |
| Post Falls | $95 |
| Caldwell | $80 |
| Nampa | $82 |
Average Cost Of Auto Insurance In Boise – By Zip Code
Your zip code affects your car insurance rate because it helps insurers determine the crime level in your area.
See how insurance costs vary by zip code in Boise by checking the table below.
| City | Average Monthly Rate |
| 83704 | $70 |
| 83709 | $91 |
| 83706 | $82 |
| 83703 | $69 |
| 83716 | $93 |
Find affordable Boise rates
Our Methodology
Using a broad evaluation of customer satisfaction, pricing, coverage options, and online reviews, I’ve compiled a detailed look at Boise, ID's car insurance market.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Boise?
The cheapest car insurance policies in Boise are from National General for state-minimum coverage and Progressive for full coverage, which includes comprehensive and collision insurance.
What is the average cost of car insurance in Boise?
The average car insurance rate in Boise is $79 per month, but prices fluctuate depending on factors like your zip code, car model, and driving record.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.