Boise Hills, ID Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Boise Hills, ID, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Extremely affordable auto insurance, but high median prices in Boise
Boise, Idaho’s capital and most populous city, is America’s fourth least expensive city to buy auto insurance in. The state of Idaho itself is America’s second least expensive state to buy auto insurance, outclassed in this category only by Maine.
The reasons for Boise’s success in this regard could be traced back to better road safety, low crime rates, and enforcement of seat belt rules that recently led to a decline in the accident rate.
The average yearly auto insurance rate in Boise is as low as $812, while Idaho’s is $969. While these numbers are great when compared to the other cities, the high median prices of the best selling cars in Idaho pose a challenge to prospective buyers.
Let us consider the median price and insurance cost of the top selling used cars in Boise by looking at the table below.
| Make | Model | Insurance Average ($) | Median Price ($) | Insurance % |
|---|---|---|---|---|
| Chevrolet | Silverado | 831 | 28,995 | 2 |
| Ford | F-Series | 849 | 27,995 | 3 |
| Honda | Accord | 882 | 17,450 | 5 |
| Honda | Civic | 809 | 16,886 | 4 |
| Honda | CR-V | 987 | 19,911 | 4 |
| Nissan | Altima | 958 | 15,864 | 6 |
| Toyota | Camry | 1,015 | 15,750 | 6 |
| Toyota | Corolla | 791 | 16,198 | 4 |
While the residents of Boise clearly have an advantage when the insurance rates are concerned, the median price of the Silverado is $ 28,995, which is the sixteenth highest in the entire nation.
The Toyota Corolla has a relatively affordable median price ($16,198), though compared to the Corolla’s median price in Plano ($9,888) and Ann Arbor ($9,995) its median price in Boise seems steep. Boise is the 12th most expensive city to buy the Corolla in.
Let us consider the case of the Honda Civic, which is highly prone to theft in the state of Idaho. Its insurance average is $809, but its median price in $16,886, which is the 21st most expensive price tag carried by this car in the U.S.
Factors that can influence the cost of car insurance in Boise Hills, ID are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Boise Hills, ID Auto Insurance Rates
- Boise Hills, ID Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Boise Hills, ID
- Multi Vehicle Insurance Savings in Boise Hills, ID
- How Credit Score Affects Car Insurance Rates in Boise Hills, ID
- How DUI Affects Auto Insurance Premiums in Boise Hills, ID
- Top Auto Insurance Agents Near Boise Hills, ID
- How Driving Violations Affect Auto Insurance Rates in Boise Hills, ID
- Boise Hills, ID Auto Insurance Discounts on Anti Theft Feature
Boise Hills, ID Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Boise Hills, ID with that of other cities in and around Boise Hills.
| Boise Hills | Meridian | Ada County | Eagle | Garden City | Boise | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,262 | $1,090 | $1,066 | $1,092 | $1,066 | $1,074 |
Boise Hills, ID Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Boise Hills, ID based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Boise Hills | $1,541 | $1,302 |
| Robie Creek | $1,139 | $962 |
| Hidden Spring | $1,796 | $1,517 |
| Garden City | $1,857 | $1,569 |
| Boise | $1,114 | $941 |
| Meridian | $1,477 | $1,248 |
| Eagle | $1,559 | $1,317 |
| Ada County | $2,229 | $1,883 |
Boise Hills, ID Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Boise Hills, ID usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,095 |
| 20 Years | $1,622 |
| 30 Years | $1,249 |
| 40 Years | $1,202 |
| 50 Years | $1,113 |
| 60 Years | $1,128 |
| 70 Years | $1,313 |
Boise Hills, ID Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Boise Hills, ID can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,221 | $303 |
| 3 Vehicles | $3,332 | $454 |
| 4 Vehicles | $4,442 | $606 |
Savings on 2 Vehicles bundle:$303
Savings on 3 Vehicles bundle:$454
Savings on 4 Vehicles bundle:$606
Boise Hills, ID Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Boise Hills, ID.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Boise Hills | $1,262 | $2,012 |
| Robie Creek | $1,065 | $1,698 |
| Hidden Spring | $1,186 | $1,891 |
| Garden City | $1,066 | $1,700 |
| Boise | $1,074 | $1,712 |
| Meridian | $1,090 | $1,738 |
| Eagle | $1,092 | $1,741 |
| Ada County | $1,066 | $1,700 |
Boise Hills, ID Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,083 |
| Excellent (740-799) | $1,236 |
| Good (670-739) | $1,315 |
| Average (580-669) | $1,716 |
| Poor (300-579) | $2,058 |
Boise Hills, ID Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Ian Johnson | State Farm | 8030 W Emerald St Ste 170, Boise, 83704-9059 | 208-375-1931 |
| John Berry | Liberty Mutual | 9465 W. Emerald Street Ste 110, Boise, 83704 | 1-208-323-7755 |
| Kathleen Rankin | State Farm | 6900 Overland Rd., Boise, 83709-1907 | 208-375-4498 |
| Aaa Boise | Travelers | 7155 W DENTON ST, BOISE, 83704 | 503-222-6748 |
| Robert Gagnon | Farmers | 6716 W Fairview Ave, Boise, 83704 | (208) 376-2806 |
| Peterson Insurance Services Llc | Allstate | 9101 W Fairview Ave, Boise, 83704 | (208) 378-9050 |
| Paynewest Insurance | Travelers | 960 BROADWAY AVE STE 100, BOISE, 83706 | 208-424-2900 |
| Charles F Smith | Liberty Mutual | 9465 W. Emerald Street Ste 110, Boise, 83704 | 1-208-323-7755 |
| Chow & Company Insurance Inc | Travelers | 6415 USTICK RD, BOISE, 83704 | 208-376-5252 |
| Associated Insurance Services | None | 3380 Elder Boise, Boise City, 83705 | None |
| Kevin Pfleger Csp | Farmers | 5105 W Overland Rd, Boise, 83705 | (208) 345-5131 |
Boise Hills, ID Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$56 | $1,318 |
| Driver's Failure In Showing Documents | +$122 | $1,384 |
| Driving With An Expired Registration | +$130 | $1,392 |
| Driving At A Considerably Slow Pace | +$274 | $1,536 |
| Using A Cellphone While Driving | +$289 | $1,551 |
| Running A Red Light | +$294 | $1,556 |
| Speeding | +$309 | $1,571 |
| Driving A Vehicle Without The Required Permission | +$392 | $1,654 |
| Driving With An Expired/Suspended License | +$851 | $2,113 |
Boise Hills, ID Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,212 |
| Active Disabling Device | $1,212 |
| Tracking Device | $1,186 |
| Passive Disabling Device | $1,174 |