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2024

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Best Local Car Insurance Agencies in Boise

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Boise Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

127

Reviewed

80

Curated

11

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
10588 W Business Park Ln, Boise, ID 83709

Why choose this provider?

Silver Key Insurance is a local and independent insurance agency in Boise, Idaho. Since 2006, it has been helping clients from across the state of Idaho obtain auto insurance that is tailored to meet their specific needs. The agency works with several trusted insurance carriers to provide options including collision and comprehensive coverage, liability coverage, and road trouble service. The vehicles it can provide coverage for include motorcycles, classic cars, boats, ATVs, and motor homes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
3023 E Copper Point Dr Ste 203, Meridian, ID 83642

Why choose this provider?

Established in 2015, Idaho Select Insurance, provides personal and commercial automobile coverage to clients in Meridian and Boise metro area. The independent agents at Idaho Select Insurance advise Idaho drivers on the minimum legal liability requirements and extra coverages for maximum protection. For businesses, the company assesses the levels of protection needed and suggest a variety of options to fit any budget. Idaho Select Insurance also sells watercraft, motorcycle, renters, umbrella, and life insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (27)
Facebook
5.0 / 5 (20)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
849 E State St Ste 101, Eagle, ID 83616

Why choose this provider?

Access First Insurance is an independent insurance agency in Eagle, Idaho, that was founded in 2005 with a client-focused business model. Serving residents throughout the Boise metro area, the agency works with over 15 insurance providers to provide drivers with auto insurance. Coverage types include liability, collision, and comprehensive. The agency's other policies help clients pay medical expenses for themselves and any uninsured motorists involved in the accident. Access First specializes in creating insurance plans for drivers with SR-22 filings.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.8 / 5 (14)
Facebook
4.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
611 S Orchard St, Boise, ID 83705

Why choose this provider?

Cole Insurance Center Inc. is an insurance provider that has served the Boise, Idaho, area since 1980. It offers personal auto, health, and life coverage. The auto insurance policies include coverage for collisions, towing, and repairs for cars, motorcycles, special value vehicles, trailers, and RVs. Cole Insurance Center also offers commercial property insurance that covers builder's risk, electronics, and machinery. The company provides liability insurance for personal and commercial purposes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (7)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8660 W Emerald St Ste 182, Boise, ID 83704

Why choose this provider?

Boise, Idaho-based Insurance4Idaho is an independent insurance agency that has been covering local cars, trucks, and motorcycles since 2005. The agency can tailor clients' auto policies to their budgets and concerns, with most policies including liability, medical, and property damage coverage. Seasonal drivers can switch their coverage to comprehensive only when their vehicle is stored to save money. The agency partners with a variety of leading insurers, including Travelers and The Hartford. Insurance4Idaho also writes renters and homeowners policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (175)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
931 S Allante Pl, Boise, ID 83709

Why choose this provider?

Hartley Insurance has been offering customized auto insurance policies to drivers throughout the Boise, Idaho, metro area since 1982. Its policies are customized to clients' coverage needs and usually include liability and property damage. With comprehensive coverage, the agency ensures clients can repair or replace their vehicle after losses from fire, theft, or vandalism. Hartley Insurance has experience insuring all types of vehicles, including RVs and motorcycles. The company also offers umbrella policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (135)
Facebook
4.9 / 5 (19)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1542 S Timesquare Ln # LN101, Boise, ID 83709

Why choose this provider?

Located in Boise, Idaho, Dailey Insurance Exchange is an independent insurance agency. Founded in 2013, it represents carriers like MetLife and Dairyland Auto, amongst others. The agency finds its clients auto insurance policies that provide appropriate coverage for their needs. It can find a wide range of policies, from basic to comprehensive, including non-owners and foreign drivers. The agency's areas of coverage include insurance for homeowners, renters, landlords, and small to specialty businesses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.6 / 5 (11)
Google
5.0 / 5 (6)
Yelp
4.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1117 Cleveland Blvd, Caldwell, ID 83605

Why choose this provider?

Affordable Insurance in Caldwell, Idaho, is a full-service independent insurance agency serving the greater Boise area with an experienced team of auto insurance agents. Offering liability coverage to protect clients who cause loss for others in addition to no-fault coverage which ensures the client and their passengers are protected no matter who is at fault, the company guides clients in finding the right auto insurance for their needs and location. It also offers insurance for boats, RVs, travel trailers, and ATVs, as well as homeowner and renter insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
501 S Main St, Meridian, ID 83642

Why choose this provider?

Mustard Seed Financial & Insurance is an independent insurance agency located in the Boise, Idaho, metro area, with offices in Meridian and Twin Falls. The company is licensed in several states, including Oregon, Washington, Nevada, Utah, and Wyoming. Auto insurance specialists work with several carriers, such as AIG, Nationwide, and The Hartford, to help drivers get the right policy at an affordable rate. Options include Liability, collision, comprehensive, uninsured and underinsured motorist, personal injury protection, and medical payments coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (118)
Facebook
5.0 / 5 (50)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1661 W Shoreline Dr Ste 100, Boise, ID 83702

Why choose this provider?

Since 1951, Higgins & Rutledge Insurance Inc. has provided automobile insurance to individuals and businesses in Boise, Idaho. With a diverse group of insurance carrier options, Higgins & Rutledge helps clients choose the right insurance solution to fit their needs and budget. The company's agents advise clients on potential risks and gaps regarding their current automobile policies. Higgins & Rutledge Insurance also sells home, farm, umbrella, and professional liability insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (8)
Google
5.0 / 5 (7)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
13965 W Chinden Blvd Ste 106, Boise, ID 83713

Why choose this provider?

The FIG Financial Insurance Group is an independent insurance agency based in Boise, Idaho. A full-service agency, its advisors find competing personal auto insurance products from its insurance providers and negotiates a price. It ensures the products meet the legal requirements of the state and lender and advises clients on recommended and optional add-ons. The agency also services its personal and business clients from offices across Idaho, western Montana, and Carson City, Nevada.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (89)
Facebook
4.8 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What are the basic car insurance requirements in Boise?

    In Boise, the basic car insurance requirement is that every motorist has to be insured for liability due to bodily injury to others and property damage. The former has to be valued at $25,000 per person and $50,000 per accident. The latter has to be worth $15,000.

  • If uninsured or underinsured motorist coverage is not needed in Boise, why is it advantageous to obtain this optional coverage?

    It is advantageous in Boise to obtain optional underinsured or uninsured motorist coverage because there will be times when a motorist will be caught in an accident where the guilty party has no insurance coverage. In these situations, one's own insurer will step in if there is an appropriate plan in place.

  • How expensive is car insurance in Boise?

    In Boise, car insurance costs an average of $539 for a six-month policy. This translates to monthly premium payments of $90. The three most affordable insurers in the metro, in descending order, are USAA, State Farm, and Oregon Mutual, though the first is limited exclusively to members of the military.

  • How do anti-theft car insurance discounts work in Boise?

    In Boise, there are insurers who will offer discounts on premiums if a car has anti-theft devices installed. These may be factory-installed or after-market products and reduce the risk of the motor vehicle being lost or damaged. The reduction in premiums follows naturally from the lowered odds of loss or harm.

  • If a person in Boise wishes to obtain home and car insurance, how may both be discounted?

    If a person in Boise wants to obtain home and car insurance, obtaining both in a multi-policy bundle will result in discounted rates. Insurers frequently offer lower premiums for those who mix and match different assurance programs like home and car or car and boat. This is to encourage consumers to buy more coverage.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.