Cheapest Auto Insurance in Boise–Who Has It?

If you are looking for affordable car insurance in Boise, Idaho, you have several options. There are many national insurance companies doing business in Boise, many with their own offices. There are also independent agencies that offer a variety of companies’ products. You can also do an internet search to obtain quotes from many different agencies. A short time spent looking for a low-cost policy may save you hundreds of dollars every year over your current coverage.

There are four major insurance companies with offices in Boise. State Farm, Allstate, Farmers, and American Family all have multiple locations in the Boise area. You can drop by any of these offices to talk about your insurance needs, or visit to find a listing of all the available agents.

If you decide to visit agents in person, take your driving record information with you and be prepared to visit at least three different companies so that you can compare rates. Some people prefer this method, as you can meet the agent and assess his or her personality and how comfortable you feel dealing with the office and staff.

If you do not want to make personal visits to these agents, you can do a great deal of research on the internet. Each of the above companies has a web site through which you can obtain a quote and a referral to a particular agent. You can also broaden your search to include some internet-based companies that do not have local agents.

Besides the company-specific web sites, which can be found by searching for “Boise Car Insurance,” you can find comparison websites such as These web sites do not serve a specific company, but instead provide search engines for consumers to compare rates among several companies at once. You will be asked for your zip code and identify information, as well as facts about your driving record. Companies will then respond to you based on your input and quote you a price for your coverage.

Boise is the largest city in Idaho, so rates are higher there than elsewhere in the state. However, Idaho, in general, has lower rates than other locations in the country. The average cost for coverage in Idaho is $1069, about $400 below the national average. However, rates are highly individual, based on your driving record, age, and the car you are insuring.

If you are a state or federal employee, or work in a service industry such as law enforcement, fire and rescue, or teaching, you may qualify for special discounts on your insurance. Be sure to talk to your proposed company about these discounts.

Also, you may qualify for discounts based on driver’s education courses and other voluntary actions you take, so be sure to note these on your application. Finally consider your current policy and the deductibles and liability limits you carry. Be careful to note the policy limits and deductibles on your quote; sometimes insurance companies offer you a lower price by giving you less coverage.

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