Cheap car insurance in Boise means State Farm: among the 4 insurers we compared, it is cheapest at every package and in every one of the nine ZIP codes we priced. Full coverage costs $94 a month there, 50/100/50 costs $88 and Liability Only 25/50/15 costs $28. Safeco finishes second each time, $22, $28 and $7 a month higher.
The Boise average: all four insurers together come to $138 a month ($1,661 a year) for full coverage, $18 below the $156 that our cheap car insurance in Idaho page shows for the whole state. Bare liability runs the other way, $47 here against $44 statewide.
Sample size: USPS gives Boise 27 primary-city ZIP codes. Nine have prices in our Idaho data (all Ada County); 18 have none, so every number below speaks for those nine only. The prices come from Quadrant Information Services, which ran Idaho rates in force on Sept. 30, 2026 through a single hypothetical driver, so treat them as yardsticks, not offers (how we priced Boise). Page updated Nov. 2, 2026.
Cheapest Car Insurance in Boise, ID: One Name at Every Package
Lowest Boise price per package, 4 insurers compared
Top-tier package: liability 100/300/100, collision and comprehensive at $500
State Farm
$94/mo
$1,132 a year. Next: Safeco, $116.
50/100/50 limits, $500 deductibles
State Farm
$88/mo
$1,058 a year. Next: Safeco, $116.
Liability limits above Idaho’s
Liability Only 25/50/15
State Farm
$28/mo
$330 a year. Next: Safeco, $35.
Liability limits equal Idaho’s
Why one name: Safeco trails State Farm by $7 to $28 a month, depending on the package, which is too wide a gap to share the title, and State Farm is cheapest in 9 of 9 ZIP codes at each package.
Priced but not ranked: Farm Bureau of ID Group quoted all nine ZIP codes. Its prices are in the box below.
Farm Bureau of ID Group: shown separately
In all nine Boise ZIP codes this company returned one identical set of prices: $128 a month ($1,530 a year) for full coverage, $119 ($1,429) for 50/100/50 and $36 ($435) for Liability Only 25/50/15. As on our Idaho page, it is excluded from rankings, averages and tables. Each figure is higher than State Farm’s ($94, $88 and $28), though a quote you request could differ.
Boise vs. Idaho: How Far the City Sits From the State Average
State Farm is first on the Idaho page too, so the useful comparison is size, not order. That page averages the same four insurers over 75 ZIP codes, and Boise lands below it for two packages and above it for one.
| Package | Boise | Idaho | Boise vs. Idaho |
|---|---|---|---|
| Full coverage | $138 [$1,661] | $156 [$1,868] | $18 lower |
| 50/100/50 | $139 [$1,664] | $157 [$1,881] | $18 lower |
| Liability Only 25/50/15 | $47 [$570] | $44 [$533] | $3 higher |
Company by company the full-coverage story is consistent: each of the four charges less in Boise than its own Idaho average, Safeco by $33, Allstate $22, State Farm $8 and Farmers $7. Liability Only 25/50/15 reverses it, with every company higher in Boise, from $1 (Allstate) to $6 (Farmers).
The ranking changes in one spot. At full coverage Safeco ($116) is second in Boise and Farmers ($141) third, the reverse of the statewide $148 for Farmers and $149 for Safeco. At 50/100/50 and Liability Only 25/50/15 the Boise order matches the state’s.
Idaho’s Required Limits and the Three Boise Packages
Liability Only 25/50/15 is the Idaho requirement, priced as its own package
State Farm’s $28 a month is therefore the lowest Boise price for a policy at exactly the required limits. Such a policy pays others for harm you cause and does nothing for your own car.
Idaho Code 49-117 sets the property-damage floor at $15,000 and the injury floors at $50,000 for a whole crash and $25,000 for one person, which together make 25/50/15. Our cheapest package copies that trio. The other two lift every liability figure and bring in collision and comprehensive at $500 deductibles.
| Package | Injury: person / crash | Property damage |
|---|---|---|
| Idaho Code 49-117 (the requirement) | $25,000 / $50,000 | $15,000 |
| Liability Only 25/50/15 (equal) | $25,000 / $50,000 | $15,000 |
| 50/100/50 (higher on all three) | $50,000 / $100,000 | $50,000 |
| Full coverage 100/300/100 (higher on all three) | $100,000 / $300,000 | $100,000 |
| Top two packages | Add own-car damage | $500 deductible |
Credit scoring, SR-22 filings and driving without insurance are covered in the FAQ.
Boise Car Insurance Quotes by Package: What Each Step Costs
Stepping from Liability Only 25/50/15 up to 50/100/50 raises the four-insurer Boise average from $47 to $139 a month, $92 more ($1,094 a year), since that one move buys higher limits and repair cover for your own car together. The move after it adds nothing on average: full coverage lands at $138, $1 under 50/100/50.
Liability Only 25/50/15: $28 at State Farm
Pays for the damage and injuries you cause, at the limits Idaho requires, and nothing on your own car. Four-insurer average: $47.
50/100/50: $88 at State Farm
Higher liability across the board, with property damage cover at $50,000, plus collision and comprehensive. Average: $139.
Full coverage: $94 at State Farm
Deductibles stay at $500 while liability climbs to 100/300/100. Average: $138.
State Farm is the only one of the four that charges more for full coverage than for 50/100/50: $94 against $88, $6 higher. Safeco returns $116 for both, Farmers asks $5 less for full coverage ($141 against $146) and Allstate $3 less ($202 against $205). These are the prices Quadrant returned, with no reason offered. Pricing both packages at your chosen company shows which is cheaper.
Check State Farm and Three More at Your Boise ZIP Code
Car Insurance in Boise, ID: What Each Company Charges
No insurer skipped a ZIP code, so 36 prices sit behind every package. Companies below run from the lowest full-coverage average up.
| Insurer | Full coverage | 50/100/50 package | Liability Only 25/50/15 |
|---|---|---|---|
| State Farm | $94 [$1,132] | $88 [$1,058] | $28 [$330] |
| Safeco | $116 [$1,389] | $116 [$1,391] | $35 [$415] |
| Farmers | $141 [$1,697] | $146 [$1,750] | $63 [$753] |
| Allstate | $202 [$2,425] | $205 [$2,456] | $65 [$780] |
| Boise average, all four | $138 | $139 | $47 |
At full coverage the four form a low pair, State Farm ($94) and Safeco ($116), and a high pair, Farmers ($141) and Allstate ($202), which charges $108 a month more than State Farm. For Liability Only 25/50/15 Farmers ($63) and Allstate ($65) are nearly level.
Progressive and GEICO are not in our Boise data
Neither company returned prices for the Boise ZIP codes we hold, so this page says nothing about where they would land. If you know either name, ask for a quote at limits and deductibles that match the four above.
Car Insurance in Boise by ZIP Code: Nine Priced, $12 Apart
Sorted by the four-insurer full-coverage average, the nine ZIP codes stretch from $133 (83706) to $145 (83713), $12 a month. All nine are in Ada County, so there is no county table; the Meridian, Eagle, Kuna and other Ada County ZIP codes belong to the statewide page.
| ZIP code | Full coverage | 50/100/50 | Liability Only |
|---|---|---|---|
| 83706 (Boise) | $133 [$1,601] | $134 | $46 |
| 83705 (Boise) | $135 [$1,625] | $136 | $47 |
| 83716 (Atlanta, Boise, Mayfield) | $137 [$1,647] | $138 | $46 |
| 83712 (Boise) | $138 [$1,650] | $138 | $46 |
| 83704 (Boise, Ustick) | $138 [$1,654] | $138 | $50 |
| 83703 (Boise, Garden City) | $139 [$1,664] | $139 | $46 |
| 83709 (Boise) | $139 [$1,669] | $139 | $49 |
| 83702 (Boise) | $141 [$1,697] | $142 | $47 |
| 83713 (Boise, Meridian) | $145 [$1,742] | $145 | $50 |
| All 9 ZIP codes | $138 [$1,661] | $139 | $47 |
The place names in parentheses are labels USPS also uses for addresses in that ZIP code; they do not mark a boundary, and each price belongs to the ZIP code itself. Rank at full coverage tells you little about liability: 83712 has the lowest liability average at $46 and 83713 the highest at $50, while 83706, first for full coverage, averages $46.
The ZIP code moves some companies more than others. Allstate’s full-coverage price runs from $193 to $217, a $24 range, State Farm’s from $88 to $99, and Farm Bureau of ID Group’s not at all.
ZIP by ZIP, Safeco’s full-coverage price sits $15 to $26 a month above State Farm’s, so State Farm’s lead is wide everywhere.
Under $200 a month? How the lowest Boise prices sit
Yes in all 9 of 9 ZIP codes, and under $150 in each. State Farm, cheapest of the four in every one, runs from $88 ($1,061 a year) in 83706 to $99 ($1,188) in 83702, with a median of $94. Those are the lowest offers per ZIP code, not a typical Boise bill; the four-company average is $138.
Find Your Boise Price Before You Pick a Policy
Cutting the Boise Bill: Six Moves Worth Trying
- Quote State Farm and Safeco first. Those two undercut Farmers and Allstate in each ZIP code we priced ($94 and $116 at full coverage), but a different driver or car may shuffle the order.
- Get 50/100/50 and full coverage side by side. Full coverage was $5 cheaper at Farmers and $3 cheaper at Allstate yet $6 dearer at State Farm, so which package costs less depends on who is quoting.
- Use the garaging address in every quote. Prices shift by ZIP code: Allstate’s full-coverage figure varies by $24 a month across our nine, State Farm’s by $11.
- Read $28 as a floor, not a plan. It satisfies Idaho’s limits and leaves your own car uncovered.
- Check what a lender demands. Financing or leasing a car usually means carrying collision and comprehensive, which the two bigger packages include and Liability Only omits.
- Ask about discounts and deductibles. Bundling, prepaying and a larger deductible are the usual levers, and each can move a quote. All our prices use $500.
Getting Boise Quotes You Can Line Up
The driver behind our prices is hypothetical, so quotes for you line up only if each of these is the same:
- Liability limits, 25/50/15 at the least.
- Your collision and comprehensive deductible.
- Extra coverages layered on top of liability and own-car damage.
- Who drives, which car, and where it is garaged.
- The total for the policy term rather than one monthly installment.
Start a Boise Car Insurance Quote With Matching Limits
How We Priced Boise Car Insurance
Quadrant Information Services holds each insurer’s filed Idaho rates and rating rules. It runs a single fixed driver and vehicle through them and logs the premium returned. Everything here averages or compares those Boise results, using rates in force on Sept. 30, 2026.
- Sample: 27 ZIP codes list Boise as their USPS primary city. Nine have prices (all in the table above) and 18 returned no quote at all (83701, 83707, 83708, 83711, 83715, 83717, 83719, 83720, 83722, 83724, 83725, 83726, 83728, 83729, 83732, 83735, 83756, 83799). The page says nothing about those 18. Every priced ZIP code sits in Ada County.
- Insurers: Allstate, Farmers, Safeco and State Farm each returned a price for all nine ZIP codes. Farm Bureau of ID Group did as well and is reported only in its own box. No quote was set aside and no quote carries a data-provider note. Progressive and GEICO do not appear in the data.
- Profile: a 40-year-old single man whose credit is good and whose record is spotless after 24 years of licensed driving, behind the wheel of a 2024 Toyota Camry LE that is used only for personal trips.
- Packages: three. The lowest, Liability Only 25/50/15, gives the driver’s own car no protection. The middle one, 50/100/50, pairs bodily-injury limits of 50 and 100 thousand dollars with a $50,000 property-damage limit, then adds collision and comprehensive. The top one keeps those add-ons and lifts liability to 100/300/100. Deductibles are $500 on both larger packages. Prices exclude personal injury protection and medical payments coverage in every package.
- Averages: each company’s Boise figure is a plain mean over its nine ZIP prices, while the city average pools the 36 prices of the four ranked companies. Monthly figures take the annual premium over 12 and round to the nearest dollar; any gap is the difference between two such rounded numbers.
- Naming: the cheapest company at each package is named, and a rival only a few dollars a month behind would be named with it. Here the closest is $7 behind, so State Farm is named alone. The Idaho numbers set beside Boise’s average these same four insurers over 75 ZIP codes.
Your own premium follows your address, your vehicle, your history and the options you pick. Use these numbers to compare, because they are neither quotes nor offers.
Common Boise Car Insurance Questions
Is $200 a month a lot for car insurance in Boise?
Not for full coverage in our Boise data. State Farm charges $94 and the four-insurer average is $138, both far under $200, and in each of the 9 priced ZIP codes the cheapest company comes in below $150 (rates as of Sept. 30, 2026). Those are the lowest offers per ZIP code rather than a typical bill; Allstate’s $202 marks the high end.
Who has the cheapest car insurance in Boise right now?
State Farm leads all three packages, among the 4 insurers we compared, using Sept. 30, 2026 rates: $94 a month for full coverage, $88 for 50/100/50 and $28 for Liability Only 25/50/15, in all 9 ZIP codes. Safeco is second at $116, $116 and $35. A fifth company, listed apart from the ranking, charges more than State Farm at each package.
Which is cheaper in Boise, State Farm or Safeco?
State Farm, at every package and in all 9 ZIP codes: $94 against $116 for full coverage, $88 against $116 for 50/100/50, and $28 against $35 for Liability Only 25/50/15. GEICO and Progressive are not in our Boise data, so these are the two lowest insurers we can compare (Sept. 30, 2026 rates).
Why is car insurance so expensive in Boise?
Our data shows prices, not causes, and Boise is not high for Idaho: the $138 full-coverage average is $18 below the state’s $156. Inside the city the nine ZIP averages differ by just $12 a month, while the choice of company swings far more, since Allstate charges $108 more than State Farm. Idaho Code 49-117 sets 25/50/15 liability limits, matched by our cheapest package.
What is the minimum car insurance in Idaho?
Idaho Code 49-117 requires liability limits of 25/50/15, meaning $15,000 of property damage cover and bodily injury cover of $50,000 a crash, $25,000 a person. We priced Liability Only at exactly those limits, where State Farm’s $28 a month is lowest in Boise (rates as of Sept. 30, 2026). The two bigger packages go beyond them.
Is 50/100/50 enough car insurance in Boise?
Enough depends on the driver, so these are facts only. In our 50/100/50 package the injury caps are $100,000 a crash and $50,000 a person, with $50,000 for property damage; every one is above Idaho’s requirements, and collision and comprehensive come with it. Boise averages $139 a month for it, $92 more than Liability Only 25/50/15 ($47), with State Farm lowest at $88.
How much is full coverage car insurance in Boise?
Across nine Boise ZIP codes and four insurers, full coverage averages $138 a month ($1,661 a year) as of Sept. 30, 2026 rates. Single companies run from State Farm at $94 to Allstate at $202, with Safeco at $116 and Farmers at $141. By full coverage we mean 100/300/100 liability plus collision and comprehensive carrying a $500 deductible.
Is liability coverage full coverage?
No. Liability covers the other party’s losses, whereas full coverage ordinarily adds collision and comprehensive, which pay for your own vehicle. In Boise our Liability Only 25/50/15 package averages $47 a month and full coverage $138. The Insurance Information Institute explains these coverages on its auto insurance page.
Will my credit score change my Boise car insurance price?
It can, within Idaho’s limits. An insurer cannot raise your rate or cancel your policy mainly on credit, and its highest-credit-tier premium is capped at double the lowest, according to the NAIC credit-scoring chart (Idaho Code 41-1843 and IDAPA 18.02.01). Our prices rest on good credit; with other credit, expect a different quote.
When does Idaho require an SR-22, and what do reinstatement fees run?
Eight events trigger one: letting an earlier SR-22 lapse, an uninsured-driver conviction, a felony committed with a vehicle, manslaughter, hit-and-run, eluding, reckless driving or a DUI. The reinstatement form lists fees of $285 (Idaho DUI), $85 (no insurance) and $25 (failure to maintain), with no duration stated. We priced a spotless record, so no figure includes a filing.
What are the consequences of driving uninsured in Idaho?
The first violation is treated as an infraction and costs $75. Another one inside five years is a misdemeanor, punishable by a fine up to $1,000, a jail term up to six months, or both (Idaho Code 49-1229). Ending a no-insurance suspension takes an $85 reinstatement fee and an SR-22. Our Boise prices assume a clean record.
How many Boise ZIP codes did you price?
Nine of Boise’s 27 primary-city ZIP codes (83702, 83703, 83704, 83705, 83706, 83709, 83712, 83713 and 83716), all in Ada County. The other 18 returned no quote, so everything on this page describes the nine and nothing wider. Across them the four-insurer full-coverage average runs from $133 to $145 a month.
Which insurers made the Boise ranking, and where is Farm Bureau of ID Group?
State Farm, Safeco, Farmers and Allstate are ranked, each priced in all 9 ZIP codes. Farm Bureau of ID Group also quoted all nine, at a flat $128, $119 and $36 a month, each above State Farm’s price; we keep it out of the ranking, averages and tables. Progressive and GEICO are not in our Boise data, so we say nothing about them.
Does my ZIP code change the car insurance price in Boise?
Yes, within a narrow band. The four-insurer full-coverage average goes from $133 to $145 a month across the nine ZIP codes. State Farm’s own price spans $88 to $99 and Allstate’s $193 to $217, while Farm Bureau of ID Group returned the same price everywhere.
- About the CCI Author
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Michael Giusti, MBA, is a senior contributor who writes in-depth content about state-level auto insurance rules, pricing trends, and savings opportunities for drivers. His expertise supports data-rich rate guides to help you find the cheapest auto coverage quotes on CheapCarInsurance.net.