Boise City, Idaho Car Insurance (All You Need to Know)

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Boise StatisticsData
City Population226,570
City Density3,553 people per square mile
Average Cost of Insurance in Boise$2,643.35
Cheapest Car Insurance CompanyUSAA
Road ConditionsPoor 11% Mediocre 20% Fair 7% Good 62%

Boise is the capital of Idaho and its most populous city. The City of Trees offers residents and visitors bucolic but modern neighborhoods a short drive away from incredible vistas and some of the best natural splendor in the country. You can find mountains, rivers, and even hot springs just a few miles outside of the city. The city center offers activities and a metropolitan vibe, while still feeling like a local neighborhood.

If you just moved to this astonishing city, you’re probably swamped with (stressful) decisions to make: Where’s best to live? Where should you explore on the weekends? Does the city have any new laws you need to know about?

Another major question on Boise residents’ minds (new or not) is car insurance. Figuring out which company has the right policy for can be a real hassle, especially with nearly infinite options between companies all claiming to be the cheapest. Add to that the nearly endless data on national and state rates, and you can get stuck in a pit of car insurance anxiety.

Now that you’re here, there’s no need to worry. We’ll cover everything you need to know about the best auto insurance coverage in Boise.

From here on out, we’ll go into all the nitty-gritty that will end up saving you time and money—all while keeping you safe when you’re behind the wheel. So let’s begin.

If you want to skip ahead and get straight to comparing quotes, we’ve got your back: go ahead and check out our free rate comparison tool.

The Cost of Car Insurance in Boise

No matter what you drive around Boise, you need car insurance. But how much will it cost?

The answer isn’t black and white. Every auto insurance company takes different factors into account when they figure out your premiums. In this section, we’re going to break down what affects your rates.

Learning about which company provides the best rates for your unique driving fingerprint can end up saving you a lot of money in the long run. First: age and gender demographics.

Male vs. Female vs. Age

Whether you’re a parent of a teen driver, or a teen yourself, you most likely know rates for younger drivers are expensive. Why? Insurance companies look at age as representing experience on the road. Plus, they assume older drivers are less likely to take unnecessary risks, thus raising the chances of filing a claim. Men are also flagged as riskier and see higher rates — sorry fellas.

Just how much do rates differ depending on age and gender?

AgeAverage Rate
17$5,942.13
25$1,766.38
35$1,507.60
60$1,382.09

As the table shows, teen drivers get charged very high premiums. But, it’s still vital to get insured from the point you get your learner’s permit.

The median age of Boise residents is 36 years of age.

That means most drivers in the City of Trees pay much lower rates than their teenage counterparts. Which age and gender see the lowest premiums?

DemographicAverage Rate
Single 17-year-old male
$6,554.87
Single 17-year-old female$5,329.39
Single 25-year-old male$1,805.82
Single 25-year-old female$1,726.94
Married 35-year-old male
$1,511.73
Married 35-year-old female
$1,503.46
Married 60-year-old male
$1,397.96
Married 60-year-old female
$1,366.22

Sixty-year-old married women pay the lowest annual premiums. These numbers fall in line with the logic of experience and women driving safer in general (in the eyes of insurers).

We haven’t discussed what marriage has to do with rates, though. With the wedding bells also surprisingly come savings on car insurance. Insurance companies think married drivers are more responsible when behind the wheel, as they have a spouse and family to keep in mind.

Cheapest ZIP Codes in Boise

Where you live also affects your rates, and you might be surprised just how much your rates vary from your friends and even neighbors. In some more auto accident-prone cities, like Los Angeles, rates can differ by thousands of dollars with only a few miles in between driver’s homes. How about Boise? Where can you find the cheapest rates?

ZIP CodeAverage Annual Premium
83703$2,630.15
83706$2,615.06
83709$2,641.37
83716$2,612.88
83725$2,625.99

Excellent news for Boise residents: the highest and lowest premiums only differ by under $100.

What’s the best car insurance company in Boise?

This is the question on every driver’s mind as they look for insurance. But, “best” means something a little different for everyone. Depending on how much coverage you need, and a variety of other factors, including your age, driving record, etc. each company might present you with very different quotes.

Next, we’ll look at data on the cheapest rates across a range of factors to help you find the best policy in Boise.

Cheapest Car Insurance Rates by Company

An affordable policy is often the first factor drivers consider when looking for a policy.  Life comes with enough expenses as it is. You shouldn’t have to worry about something essential (but by no means glamorous) like car insurance payments every month.

So who has the lowest rates in Boise?

InsurerSingle 17-Year-Old FemaleSingle 17-Year-Old MaleSingle 25-Year-Old FemaleSingle 25-Year-Old MaleMarried 35-Year-Old FemaleMarried 35-Year-Old MaleMarried 60-Year-Old FemaleMarried 60-Year-Old Male
Allstate$7,927.55$9,188.36$2,313.18$2,430.46$2,096.55$2,073.96$1,842.83$1,907.80
American Family$7,059.08$9,116.93$1,929.25$2,384.24$1,929.25$1,929.25$1,707.40$1,707.40
Farmers$7,482.01$7,742.19$1,707.64$1,781.67$1,488.91$1,476.71$1,310.22$1,394.09
Geico$3,821.37$4,740.67$2,400.60$1,816.03$1,738.81$1,714.70$1,652.86$1,605.34
Liberty Mutual$4,369.80$4,861.71$1,347.03$1,412.82$1,273.82$1,372.45$1,025.00$1,147.62
Nationwide$4,319.63$5,277.58$2,009.10$2,158.30$1,701.75$1,732.69$1,541.62$1,629.45
State Farm$3,363.46$4,245.59$1,229.53$1,413.36$1,087.55$1,087.55$991.65$991.65
Travelers$6,431.40$10,249.64$1,340.53$1,506.12$1,257.48$1,275.07$1,276.66$1,271.12
USAA$3,190.22$3,571.19$1,265.61$1,349.42$957.05$943.18$947.71$927.18

State Farm, USAA, and Liberty Mutual offer the three cheapest rates in Boise, Idaho. The difference between State Farm and the most expensive provider on average, Allstate, is nearly a $2,000 difference in savings per year. That’s why shopping around is so important.

Best Car Insurance for Commute Rates

How many miles do you commute to work every day? Insurance providers look at more than just how safely you drive. Higher annual mileage can lead to pricier rates (depending on the company). The idea here is the more you drive every day, the more likely you are to file a claim, get in a car accident, or receive a traffic violation citation. But not every company follows this logic.

As of 2014, Idaho state drivers drove 14,315 miles a year on average.

That number is just above the national average of 14,132 miles. How do Boise resident’s miles affect rates?

Insurer10 Miles Commute. 6000 Annual Mileage.25 Miles Commute. 12000 Annual Mileage.
Allstate$3,722.59$3,722.59
American Family$3,397.51$3,543.19
Farmers$3,047.93$3,047.93
Geico$2,394.97$2,477.62
Liberty Mutual$2,101.28$2,101.28
Nationwide$2,546.27$2,546.27
State Farm$1,756.19$1,846.40
Travelers$3,076.00$3,076.00
USAA$1,624.48$1,663.41

As you can see, Liberty Mutual or Farmers might offer you the best rates for drivers with longer commutes, as they don’t charge higher rates for drivers with more annual miles. Luckily, in Idaho, even the companies with the most significant increases based on annual miles charge under an additional 100 dollars. But, even small savings can grow to be quite considerable over time.

Best Car Insurance for Coverage Level Rates

Insurance customers tend to believe higher coverage means a more expensive monthly premium. While this does prove true in general, if you shop around, you can get the same level of coverage (or higher) for considerably less than many competitors.

Which companies in Boise charge the least for the most coverage? Let’s look at another table.

InsurerLowMediumHigh
Allstate$3,560.63$3,714.31$3,892.82
American Family$3,431.64$3,641.97$3,337.44
Farmers$2,871.54$3,007.38$3,264.87
Geico$2,280.23$2,431.64$2,597.02
Liberty Mutual$1,966.22$2,098.54$2,239.09
Nationwide$2,483.39$2,677.37$2,478.03
State Farm$1,679.30$1,806.68$1,917.90
Travelers$3,001.47$3,122.60$3,103.94
USAA$1,579.47$1,640.25$1,712.12

Nationwide might be the right option for those drivers who hope to get high coverage, as they actually charge almost $5 less for high coverage than their lowest level.

Before you pick your provider, it’s always wise to get several quotes and make sure you’ve got the best rate for what you need.

Best Car Insurance for Credit History Rates

Insurance companies also look at credit history when they determine rates. Reading that sentence may have been great news (if you have an excellent credit score), or terrible news if you’re a driver with low credit.

According to insurance companies, research shows people with higher credit file fewer claims on average and maintain a better payment history than those with lower credit.

But, even if you have a rough credit history, savings can still be found. It just takes a little looking around, and seeing which company takes these factors into account best to suit your situation. Which companies offer the best savings for good credit? And where can drivers with poor scores find the cheapest rates?

InsurerPoorFairGood
Allstate$4,910.37$3,339.03$2,918.36
American Family$4,468.16$3,203.78$2,739.10
Farmers$3,426.90$2,924.14$2,792.75
Geico$2,960.65$2,366.04$1,982.21
Liberty Mutual$2,977.73$1,855.76$1,470.35
Nationwide$3,024.38$2,460.58$2,153.83
State Farm$2,529.85$1,599.77$1,274.26
Travelers$3,513.43$2,966.00$2,748.58
USAA$2,365.25$1,414.78$1,151.81

Drivers with poor credit: you may want to stay away from Allstate and American, as they can cost you almost $2,000 more than drivers with good scores.

For folks on the other side of the credit history spectrum, Liberty Mutual and State Farm offer fantastic savings for drivers with good credit. If you’re interested in learning about how to keep your credit score up.

Best Car Insurance for Driving Record Rates

Your driving record might be the single most important factor when a company decides your rates. This is good news for most drivers, as choosing to follow the law and drive safely means saving a lot of money.

But, if you drive dangerously and receive multiple violations from the police, you can face a lot of issues. Not only do you place yourself and others at risk, but you might also be subject to fees and legal costs, plus your rates will skyrocket—even after just one offense. With that said, mistakes do happen.

And some insurance providers are more forgiving than others. Which companies offer the most savings for drivers with spotty records? And who offers the best savings for safe drivers with clean records?

InsurerClean RecordWith 1 Speeding ViolationWith 1 AccidentWith 1 DUI
Allstate$3,055.24$3,644.07$3,855.72$4,335.32
American Family$2,725.84$3,099.59$3,866.49$4,189.48
Farmers$2,652.20$2,995.02$3,373.62$3,170.88
Geico$1,510.24$2,521.12$2,392.99$3,320.84
Liberty Mutual$1,747.70$2,217.44$2,194.86$2,245.12
Nationwide$1,965.83$2,197.37$2,527.36$3,494.51
State Farm$1,634.78$1,801.28$1,967.82$1,801.28
Travelers$1,885.69$3,031.24$2,702.67$4,684.41
USAA$1,179.35$1,429.17$1,688.73$2,278.52

Across the board, a clean record means the best rates. But of all the offenses, DUIs will shoot your rates up the fastest.

For folks with a DUI on their record, State Farm has the best rates on average in Boise. As for after one speeding violation or an accident, your best bet is State Farm or USAA. Allstate, American Family, and Travelers are all particularly unforgiving of drivers with poor records, with rate increases of up to $4,000 more a year.  

Once you get your first violation, it’s very important to keep your record clean. With any further charges, you risk higher rates, as well as license suspension and other penalties enforced by the state.

Car Insurance Factors in Boise

Beyond demographics and driving history, car insurance providers take a look at local factors as well as figure out averages for your city. Next, we’ll review Boise’s current financial standing: household income, homeownership rates, and more.

Metro Report – Growth and Prosperity

We reviewed data on growth and prosperity rates for the area around Boise provided by the Brookings Institute, an organization the reviews data on growth across the country. Some amazing news for residents:

Boise rated 1st out of 100 cities in terms of growth and 7th when it comes to prosperity, according to the Brookings.

  • ProsperityProductivity: +1.5 percent (27th/100)
  • Standard of living: +2.3 percent (19th/100)
  • Average annual wage: +3.0 percent (5th/100)
  • GrowthJobs: +3.5 percent (2nd/100)
  • Gross metropolitan product (GMP): +5.1 percent (5th/100)
  • Jobs at young firms: +8.9 percent (11th/100)

Throughout Idaho, but especially in Boise, the standard of living and wages are seeing an impressive rise. That’s great news for insurance companies, drivers, and homeowners alike.

Median Household Income

What’s the median income in Boise, and how much of that income goes to insurance each year?

The average median household income is $54,547.

To determine how much of your income gets spent on insurance each year, we’ve got a handy tool: CalcculatorPro. Just enter your salary and insurance premium to determine what percentage of your paycheck you should set aside for insurance costs.

Homeownership in Boise

Insurance companies see Owning a home as a sign of stability. If you can successfully maintain homeownership, that’s an excellent sign you’ll pay your insurance bills on time and drive responsibly (and thus be less likely to file a claim).

According to Census.gov, Boise’s average property value was $206,800 in 2017. The national average of homeownership is a little over 60 percent. In Boise, the average is 60.5 percent, placing residents right on track with the national average.

Education in Boise

In 2016, the Boise institution that awarded the most degrees was Boise State University, followed by Carrington College-Boise and Brown Mackie College-Boise.

The top chosen concentrations among students were Registered Nursing (361 and 7.32 percent), Speech Communication and Rhetoric (218 and 4.42%), and General Psychology (199 and 4.03 percent).

Wage by Race and Ethnicity in Common Jobs

Racial and ethnic groups in America often see a significant difference in wages, even when working in the same position. In Boise, during the year 2017, Asians were the highest paid race/ethnicity according to the data we consulted from DataUSA. However, amongst miscellaneous managers, white workers make considerably more.

Even taking this into account, overall Asian workers were paid 1.13 times more than White workers, who made the second highest salary of any race/ethnicity.

Wage by Gender in Common Jobs

Gender discrimination is another widespread issue in the US, also at play in determining the wages of workers in Boise, ID. In general, across industries, males make more than their female counterparts.

In Boise, no matter the field you look at, this stays true. The most significant difference is amongst software developers, where, on average, males in the same position made 1.45 times more than female employees.

If you’re curious about learning more, Business Insider has broken down seven charts to help interested readers learn more.

Poverty by Age and Gender

In Boise, men ages 18-24 are the largest population of residents living in poverty. DataUSA defines poverty as when “a family’s total income is less than the family’s threshold, then that family and every individual in it is considered to be living in poverty.”

Poverty by Race and Ethnicity

The likelihood of experiencing poverty is also affected by your race and ethnicity.

The most prevalent race living in poverty in Boise is white people by a large margin, at more than 70 percent.

Hispanic and black residents follow behind (11.1 and 5.9 percent, respectively). This data is based on findings by The Census Bureau, using a national set of money income thresholds.

Employment by Occupations

From 2016-2017, the workforce in Boise, ID, grew by 2.62 percent. That means that Boise sees a working population of over 116,000 people.

Office and Administrative Support Occupations (15,097 people), Sales and Related Occupations (13,185 people), and Management Occupations (12,321 people) are the most common jobs for Boise residents. That’s exciting news for young firms, shoppers, and visitors to Boise alike. Business really is booming.

Driving in Boise

In this section, we’ll go over some specifically Boise driving-related info. From major highways and congestion, to how Boise residents get around.

What are major roads in CITY?

Major Highways in Boise

Overall, Idaho has five active routes, totaling 611.76 miles. Those roadways are:

Currently, no toll roads exist in Idaho.

Popular Road Trips/Sites

Idaho is one of the states richest with natural splendor. There are nearly endless possibilities to see, and some of the most beautiful sites the planet has to offer. With so much to visit, and the roads just waiting for you, how do you choose where to begin? Here are some of the most popular destinations for road trips near Boise.

  • Bogus Basin (in summer too!): This hugely popular winter destination has become a year-round wonderland, only 45 minutes outside of downtown Boise. For outdoor adventure lovers, head out and hit the mountain bike trails. Or enjoy the numerous festivals of music, food, and culture all summer long.
  • Bruneau Sand Dunes: This incredible natural wonder is located 64 miles south of Boise and holds the claim to fame of being the only place in Idaho you can dune ski. Great for lovers of geology, or just folks looking to see a truly astonishing change of scenery from their usual Boise lives.
  • Craters of the Moon National Monument: Just three hours outside of Boise you can find one of the most beautiful and unique natural sites in the nation, Craters of the Moon. Created between 15,000 and 2,000 years ago during eruptive periods, this spot is great for folks who want to see a landscape they couldn’t even imagine on this planet.
  • Hells Canyon National Recreation Area: Although a bit farther out (4 hours from Boise), Hells Canyon is a must-see for nature lovers. Its the deepest river gorge in the country, surpassing even the Grand Canyon. You can also find some of the best whitewater rafting in the world here for lovers of adventure.

These are just a few of Boise residents’ favorites. The best way to discover all the hidden treasures of Idaho is to start exploring, so hit those highways (or rural dirt roads) with your proof of car insurance handy.

Road Conditions in Boise

Driving on a road riddled with potholes can be incredibly stressful, and at worst costly. The annual vehicle operating cost in Boise is $321.

We looked into data collected in the National Transportation Research Group‘s 2018 road reports for Boise, Idaho.

Road ConditionShare
Poor11%
Mediocre20%
Fair7%
Good62%

Some more great news for Boise drivers, over 62 percent of Boise roads are in good condition. That’s good for your car and your wallet, but still, keep an eye out for potholes.

Does Boise use speeding or red-light cameras?

Red-light cameras are stirring up a lot of controversy throughout the nation, leading to several cities and states banning them, calling them unconstitutional. How about Boise?

Red-light cameras are not currently in use in Idaho.

If you’re curious about how red-light cameras work for when driving in other states where you might encounter them, you can take a look at this video:

https://www.youtube.com/watch?v=6VsYw7NcQLo

Vehicles in Boise

So now you have a good idea of the roadways in and around Boise, but what vehicles are you most likely to find cruising around the city? Next, we’ll look at the most popular vehicles, as well as answer some questions on vehicle ownership, and more.

Most Popular Vehicles Owned

According to USA Today and 1035 Kiss FM, the most popular vehicle in Idaho is the Ford F series, that’s unsurprising given the amount of rural driving and outdoor exploring to be done all around Boise throughout the Gem State.

How many cars per household

Nationally, households are most likely to own two cars by a reasonably large margin. That’s due to most households requiring two vehicles to allow for the residents to get to and from their own workplaces. In Boise, this holds true, and the majority of Boise residents have two cars per household.

Households without a Car

How many households in Boise don’t have any cars at all?

2015 Households
Without Vehicles
2016 Households
Without Vehicles
2015 Vehicles
Per Household
2016 Vehicles
Per Household
4.70%4.60%1.811.7

The numbers went down very slightly between 2015 and 2016, mirroring the national trend of Americans buying more cars than ever before.

Vehicle Theft in Boise

Walking outside to where you parked your car and finding a vacant spot is one of the worst feelings there is. We want to help make sure your car is safe. In these sections, we’ll look at theft and some other crimes in Boise.

In 2017, Boise had 264 motor vehicle theft crimes. If you are concerned about safety, here are the top 10 safest neighborhoods in Boise.

  1. W Lake Hazel Rd / S Maple Grove Rd
  2. S Five Mile Rd / Highlander Rd
  3. Barber
  4. Orchard / Blacks Creek
  5. Vernon
  6. Horseshoe Bend / Idaho City
  7. W Victory Rd / S Maple Grove Rd
  8. Hillcrest
  9. W Overland Rd / S Cloverdale Rd
  10. Greenwood Cir / S Montevista Ave

The good news: Boise’s crime index is twenty (meaning it’s safer than 20 percent of US cities).

LocationMurderRapeRobberyAssault
Boise Total214451433
Boise Rate per 1,0000.010.640.231.91
U.S. Total17,284135,755319,356810,825
U.S. Rate per 1,0000.050.420.982.49

In Boise, your chances of becoming a victim are one in 360 versus a one in 442 chance in Idaho overall. So your risks are a bit higher in the city, but still on the low side compared to a lot of other cities in the nation.

Traffic in Boise

Boise isn’t really known for traffic, but that doesn’t mean it doesn’t happen. In these next few sections, we’ll help you learn about where and when traffic is worst in Boise. That way, you can drive fully informed.

Traffic Congestion

Boise’s roadways aren’t very prone to congestion. In fact, the city doesn’t even appear on some of the global traffic indexes. But, TomTom does count Boise amongst its total list of the largest cities.

Boise ranks 252 in the world in terms of driving congestion.

The hours between 4-6 p.m. are the worst times in terms of congested traffic, which makes sense considering the number of residents who commute to work. Traffic adds 13 minutes on average in the evening to a normally 30-minute commute.

Since 2017 traffic saw a one percent increase, so, for now, residents can enjoy a pretty easy drive no matter what time of day they head out into the world or drive to work.

Transportation

With over 80 percent of Boise residents traveling to work driving alone, making it easy to see why peak travel times shoot up a bit during commute hours.

The average Boise commute is a good bit shorter than most Americans. Boise drivers commute 17.4 minutes to work on average, while the U.S. overall averages 25.1 minutes. In general, your city is great for getting from point a to point b on time.

How safe are Boise streets and roads?

Even though you aren’t too likely to hit a pothole on the roads of Boise, how are the other drivers rated around you? To figure out the number of fatalities and gain insight into driving conditions in Boise, we consulted the National Highway Traffic Safety Administration.

The NHTSA collects crash data for counties across the USA, Boise is located in Ada County.

Below, we’ll look at several metrics to best understand when, where, and how fatal crashes happen. That way, you can take this data into account when making informed driving decisions.

Incident Type20132014201520162017
Total Fatalities1523243031
Alcohol-Impaired Fatalities386116
Single-Vehicle Fatalitiies1014171415
Speeding Fatalities243115
Roadway Departure Fatalities31213138
Fatalities involving an Intersection8541212

Speeding and driving under the influence of alcohol cause serious injury and fatal crashes across the country. This issue is rampant today, as you can see from the table. We’ve also compiled data on the “person type” involved in fatalities, which means what kind of driver (or passenger) was involved in a fatal accident. Of the three categories below, passenger car occupants saw the highest rates of fatalities.

Person Type20132014201520162017
Passenger Car Fatalities29599
Pedestrian Fatalities42358
Pedalcyclist Fatalities20101

As you can see, these numbers all total much lower in terms of fatalities in comparison to accidents involving dangerous driving. That’s why it’s so important to call a taxi if you are under the influence and slow down to posted speed limits.

However, some good news, the numbers of fatalities for pedalcyclists are especially low, so eco-friendly commuters and bikers throughout the Boise area shouldn’t have to worry too much.

Allstate America’s Best Drivers Report

While understanding fatal crash data can help you understand the most serious risks when driving in Boise, you may be wondering how good (or bad) the city’s drivers are on average. To figure that out, we’ll look at Allstate America’s Best Drivers Report, an annual report on the nation’s safest (and worst) drivers.

Out of 200 of the largest U.S. cities, Boise ranks 3rd on the list of safest driving cities. Great work, Boise drivers!

The average Boise driver has 12.2 years between claims. They also have 13.8 hard braking events for every 1,000 miles. Compared to the national average, drivers are -17.80 percent likely to file a claim. Stay safe, follow the road rules, and enjoy driving, knowing your fellow motorists are looking out for you in Boise.

Ridesharing

For Boise residents hoping to get to point A to point B without their own car, there is a wide range of ridesharing options to choose between. Uber and Lyft still hold the majority of market share, but be sure to check out some of the lesser-known companies, as you may get a better rate.

  • The Blacklane is a luxury car service.
  • Carmel is a mobile app to hail and pay for taxi services.
  • Lyft is a ridesharing service
  • Uber
  • Local Taxis

Whichever service you choose, the best way to get a low price is to compare before you accept a ride (similar to insurance itself).

E-star Repair Shops

There’s enough to worry about with the claim process, your physical health, and fixing car damages; you shouldn’t have to worry about finding a mechanic in Boise you can trust to do top quality work on your vehicle. To help drivers around the country find the best repair service, Esurance created the E-star Repair network.

They rate and collect the best shops, so you don’t have to go searching for yourself. Here are the E-star repair shops located within 20 miles of Boise.

Repair ShopEmail AddressPhone Number
Caliber - Boise
5102 W Chinden Blvd
Boise ID 83714
boise@calibercollision.comP: (208) 378-9210
F: (208) 378-9908
Caliber - Meridian
279 N Baltic Pl
Meridian ID 83642
meridian@calibercollision.comP: (208) 898-9090
F: (208) 898-9751
Caliber - Nampa
823 3rd St S
Nampa ID 83651
nampa@calibercollision.comP: (208) 463-0055
F: (208) 465-3299

There are only three options in the Boise area, but any of these shops are sure to offer superior service and repairs.

Weather in Boise

What’s the weather like in Boise? To find out, we looked at data from The US Climate Data Report.

Boise WeatherAverages
Annual high temperature:63.7°F
Annual low temperature:41.3°F
Average temperature:52.5°F
Average annual precipitation - rainfall:11.66 inch
Average annual snowfall:19 inch

Overall, temperatures are pretty mild, staying cool year-round without ever falling below freezing for too long. With 19 inches of snow per year on average, you’re sure to get some lovely snowy winter days too.

How about natural disasters? Ada County faces three possible natural disasters, a lot lower than the U.S. average of thirteen. What can cause a natural disaster?

Below is a list of which natural disasters occurred in Ada County:

  • Floods
  • Fire
  • Heavy Rain
  • Hurricane

If you’re concerned about your car being covered in case of natural disaster damages, be sure to talk to your agent about what your policy covers.

Public Transit in Boise

Boise residents hoping to take advantage of public transportation (and lower their carbon emissions while they’re at it) can look to the bus transit service, Valley Regional Transit.

Valley Regional Transit offers bus routes throughout the city and surrounding the Boise area. Local fares cost $1.50 for adults, and universal fares $4.50. For a full breakdown of the rates and possible monthly passes, you can check out this page.

Cost of Alternate Transportation in Boise

Across the country, a lot of cities are offering scooter and bike rentals for their residents to take advantage of. Keep an eye out for services like Lime and Bird when you find yourself in downtown Boise.

Currently, both of these services offer e-scooters and bikes throughout the city. To learn more about fares and unlock a scooter or bike, download their app, and get exploring!

Parking in Boise

According to the City of Boise website, residents and visitors are encouraged to download the Parkmobile app to get access to street parking throughout the city. This way you can pay for (and renew) your spot from the convenience of your smartphone or tablet. There are also a number of parking garages to choose from.

As for parking enforcement, you can check out this chart breaking down the times and rates by zone:

ZoneEnforcement HoursRatesMaximum Time
1M-F 8:00 a.m. - 8:00 p.m.
Saturdays: 10:00 a.m. - 5:00 p.m.
M-F $2 for the first hour
$3 for the second hour
Saturday: $0.50 per hour
2 hours
2M-F 8:00 a.m. - 8:00 p.m.
Saturdays: 10:00 a.m. - 5:00 p.m.
M-F $1.25 for the first hour
$2 for the second hour
Saturday: $0.50 per hour
2 hours
3M-F 8:00 a.m. - 6:00 p.m.
Saturdays: Free
$0.50 for the first and second hours
$1 for the 3rd and 4th hours
(3rd and 4th hours available through Parkmobile App only)
4 hours

Air Quality in Boise

The usage of fossil fuels emits pollutants into the air. These pollutants bring down air quality across the globes, especially in cities where a high concentration of vehicles leads to harmful effects on the population. In the City of Trees, a famously green and semi-rural city, you shouldn’t need to worry, right?

The United States Environmental Protection Agency tracks air quality across the year for counties in each state. Here’s a look at Ada County air quality.

YearGood DaysModerate DaysUnhealthy for
Sensitive Groups
Unhealthy
2017182155233
2018200154110
Partial 201914141N/AN/A

The vast majority of days were considered good in Ada County, with no days unhealthy for sensitive groups so far in 2019.

Military/Veterans

Military personnel, veterans, and their families shouldn’t have to worry about is affordable auto insurance. Especially considering one of the best options, USAA is an insurance company exclusively available to military, veterans, and eligible family members.

As we’ve noted throughout the post so far, USAA has some of the very best rates in Idaho and around the country. Be sure to get a quote from them if you qualify.

As for army bases near Boise, Mountain Home Air Force Base is situated about 50 miles southeast of the city. Mountain Home Air Force Base is home to the 366th Fighter Wing, the “Gunfighters.” The 366th Fighter Wing is a member of an air expeditionary force. The Wing blends the firepower of F-15C Eagles and the F-15E Strike Eagles, to form a cohesive aerial strike force.

In Boise, most of the veteran population fought in the Vietnam War.

Next, switching from a military focus, we’ll look at some of Boise’s unique laws. That way, you can avoid any unwanted tickets and stay safe.

Unique Boise Laws

Boise has a few unique driving laws worth noting. First, distracted driving laws: it’s illegal to text while driving, and you cannot use your phone while stopped or at a red light. As for calls, handheld devices are currently legal in the city, and you are free to use headsets or headphones as well.

Another unique Boise law is the “Idaho Stop Law,” which allows cyclists to treat stop signs as yield, and red lights as stop signs. If you’re on the road and see a cyclist rolling through an intersection with a stop sign, that’s perfectly legal — it’s their responsibility to check that the road is clear and proceed. They have to make a full stop at red lights, but if there is no traffic, then they can go.

Idaho is one of only four states — Michigan, Oregon, and Washington being the others — in which motorists may turn left onto any one-way street, even if when departing a two-way street. There are about three dozen states which allow left-on-red turns onto one-way streets, but only when drivers are coming from another one-way street.

Food Trucks
Food Trucks have become a beloved, popular, and fun way to eat (and open a restaurant). For Boise residents interested in operating a food truck, you’ll need permits and licenses from both the state and local levels; these require a good deal of documentation.  For a full list of the requirements, you can check out this packet.

Once you have received full clearance and health inspector approval, you can get out there and start feeding the hungry residents of Boise.

Tiny Homes
Tiny homes are an ever-growing trend to live a minimalist life. You can find them on HGTV and all across America. They can be a great means of living for people without the means to purchase a full-sized home or for simple-minded individuals.

To learn about all the requirements when building or owning a tiny home in Boise, you can check out this brochure provided by the Idaho state government.

Parking Laws
Parking laws are pretty clear in Boise:

  • You must park in the same direction as traffic.
  • You must follow all signs and curb markings.
  • Unless specifically allowed, you are not to park a vehicle for more than 72 hours in a city parking facility.

For a more detailed listing of more parking laws, click here.

Boise Car Insurance FAQs

We’ve made it through most everything you need to drive safely and find the best car insurance policy in Boise. In this last section, we’ll answer some frequently asked questions.

What type of insurance do I need to drive in Boise?

All drivers are required to have the minimum required limits of liability. This includes motorcycles. Drivers must meet the following limits of liability:

  • $100,000 for bodily injury or death per person
  • $300,000 for total bodily injury or death per accident
  • $50,000 for damage to another person’s property per accident

Of course, this is the minimum required limits. You can always choose to add on greater coverage, which is a good idea to prevent you from paying out of pocket for expensive accidents and cover your damages in case you get hit by an under or uninsured driver.

What should I do if I get in an accident?

Idaho is a tort state, which means that the party at fault in an accident must pay for the damages to the other party or parties.

So, once fault is determined, you’ll either file the claim with your insurance or the other party’s insurance. Your liability insurance pays for the other person’s claim and damages if you are held liable.

New Resident Policies?

By the time you are considered a full legal resident of Idaho, you must register your vehicles. Residency begins when your primary home has been in Idaho for 90 consecutive days.

Before you can get your vehicle registered, you’ll need to have it insured by a company providing insurance in Idaho.

Here’s what you’ll need when you go to the DMV to register your vehicle:

  • The vehicle being titled and registered. You will need to have the vehicle identification number (VIN) inspected. This inspection can generally be performed by a deputy of either the county assessor motor vehicle office or the county sheriff’s office.
  • Current title and registration. If the vehicle has not been titled in your name, be sure the title has been signed over to you by the seller, and that you have a bill of sale from the seller. If the title is being held by a lienholder, bring the lienholder’s name and address. If your title has been lost, you will need to apply for a duplicate title from the state of issuance.
  • Your personal identification.
  • Cash or a check for payment of any applicable taxes and fees.

Drivers also have 90 days from moving to Idaho to transfer your out-of-state driver license to Idaho.

College students and military personnel, on the other hand, are exempt from being required to get an Idaho license.

You made it! We covered a lot of info and hope you’re feeling confident and ready to look for the best car insurance in Boise, Idaho. Once you get that dealt with, you’ll be ready to hit the roads! To begin comparing (and saving money), go ahead and click here to try out our free comparison tool.

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