To get the best price, get quotes from several companies and call local agents.
With a population of 223,154 in 2016, Boise is the third biggest city in the Pacific Northwest. But despite its relatively large size, Boise is blessed by low rates of auto theft and a short commute time. Boise's rate of auto theft in 2015 was just 122 per 100,000 people, 44% less than the national average. Furthermore, Boiseans have a travel time to work of just 16.9 minutes.Perhaps this is part of the reason why Idaho's average car insurance rates are the cheapest in the nation, averaging just $95/month.
Boise is also fortunate to be served by a relative large number of agencies. There is one car insurance agency for every 1,779 residents, 50% more than the national average. Forty different companies offer auto insurance in Boise, with national powerhouses Farmers, Nationwide, State Farm, and Allstate all having large presences. Oregon Mutual stands out as a regional company with a strong market share in the area.
Many people overpay for auto insurance. Here are a few ways to get a cheap rate.
Get quotes regularly. Your rates should go down over time as your car or truck depreciates and your driving record improves. If not, negotiate a lower rate, or get quotes from other companies.
Compare quotes accurately. Rates can vary greatly depending on the level of coverage offered. When comparing rates, make sure that the insurance offered is equivalent. Keep in mind that state minimum insurance may not protect you completely.
Discuss your options. Talk with an agent to determine if collision, comprehensive, or personal injury protection are a good value. Individual insurance needs vary greatly.