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2024

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Best Local Car Insurance Agencies in Meridian

Our Recommended Top 15

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 Meridian 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.

57Reviewed

40Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6206 North Discovery Place, Boise, ID 83713
WebsiteLicense: 37716

Expertise.com Rating

Review Sources

Facebook
4.6 (11)
Yelp
3.0 (2)

Why choose this provider?

Financial Insurance Group is an independent insurance brokerage that provides insurance policy options for the auto, home, health, life, and business needs of its clients in Meridian. The locally owned and locally operated company helps clients to get the right coverage at fair prices by comparing quotes from its 15 partner insurance carriers. These companies are all reputable, financially secure, stable, and have great customer service. Financial Insurance Group offers full coverage car insurance, liability coverages, and broad form insurance.

  • Multiple Carriers

3023 East Copper Point Drive, Meridian, ID 83642
WebsiteLicense: 516133

Expertise.com Rating

Review Sources

Google
4.9 (26)
Yelp
3.5 (3)

Why choose this provider?

Idaho Select Insurance is a local business serving Meridian and the surrounding regions. The insurance agents from this firm offer an auto insurance policy that protects clients from medical costs and uninsured motorists. They work closely with customers to talk about the insurance carriers that they have partnerships with. The insurance advisors at Idaho Select Insurance also provide boat and watercraft, motorcycle, umbrella, home, commercial property, and life insurance solutions.

  • Multiple Carriers

849 East State Street, Eagle, ID 83616
WebsiteLicense: 129093

Expertise.com Rating

Why choose this provider?

Access First Insurance is an independent insurance agency that services the Meridian metro and the surrounding areas. The company provides comprehensive personal and business auto insurance policies that protect clients and their vehicles from accident liabilities, collisions, medical expenses, and car breakdowns. It also provides lines for antique and classic cars as well reimbursements for rental fees made during the repair or replacement period. Access First Insurance has been operating since 2005 and is tied up with over 15 different insurance providers.

  • Multiple Carriers

10588 West Business Park Lane, Boise, ID 83709
WebsiteLicense: 286346

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Silver Key Insurance is a professional and locally owned insurance management firm that works with residential and commercial clients in Meridian, Boise, Eagle, and nearby areas. The company offers its clients a wide array of insurance products and services such as personal and commercial auto insurance, motorcycle insurance, vintage car coverage and protection, RV and motorhome insurance, as well as specialty insurance coverage for motorsport and off-road vehicles. The company has access to reputable insurance brands and provides personalized insurance coverage for each client.

  • Multiple Carriers

12442 S Carriage Hill Way, Nampa, ID 83686
WebsiteLicense: 297886

Expertise.com Rating

Review Sources

Google
5.0 (143)

Why choose this provider?

Redding Insurance delivers auto insurance solutions to Meridian individuals, families, and businesses. The independent agency helps car owners and drivers find insurance packages that are right for their situations and needs. It also guides clients in determining what types of coverages are mandated by state laws, such as property damage and medical expenses coverage, as well as coverage options required by lending institutions, like collision and comprehensive. Redding Insurance seeks to develop and maintain strong relationships with both customers and carriers.

  • Boats
  • Motorcyle & ATV

9504 West Fairview Avenue, Boise, ID 83704
WebsiteLicense: 141251

Expertise.com Rating

Review Sources

Google
5.0 (132)
Facebook
5.0 (20)

Why choose this provider?

For more than half a century, Butler Insurance Services has been providing insurance assistance to the people of Meridian. The family-owned insurance firm employs professional agents who can draw up auto insurance coverage options from various carriers. Auto insurance policies usually include property, liability, and medical coverage, which are designed to protect the client and their vehicle in the event of an emergency. Butler Insurance Services also offers assistance with acquiring life, homeowners', and business insurance.

  • Bundling Option

2541 North Stokesberry Place, Meridian, ID 83646
WebsiteLicense: 469599

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

James Stocker Group / Boise River Insurance is an independent insurance agency based in Meridian that provides insurance products for home, life, property, and business needs. The company provides auto insurance policies to clients seeking to protect their personal vehicles and themselves from liabilities and damage in the event of an accident, natural disaster, or theft. Its website is fully integrated with the functions needed for generating quotes, premiums payment, and claims filing.

  • Bundling Option

1414 Broadway Avenue, Boise, ID 83706
WebsiteLicense: 96573

Expertise.com Rating

Why choose this provider?

Insurance Services of Idaho, LLC offers the six main auto insurance coverages to its clients in Meridian. The business provides collision, comprehensive, property damage liability, medical payments and personal injury protection, and bodily injury liability. Its local agents are equipped to review and adjust existing auto insurance policies. Furthermore, the team also offers home, health, and business insurance. Aside from addressing insurance concerns, the company also participates in community activities such as race for a cause and softball charity tournaments.

  • Bundling Option

13177 Persimmon Lane, Boise, ID 83713
WebsiteLicense: 2987

Expertise.com Rating

Review Sources

Google
4.9 (100)
Facebook
5.0 (18)

Why choose this provider?

Rickets and Associates, Inc. is an independent insurance agency in Boise that serves all of Idaho, including Meridian. In business since 1980, it has been representing multiple insurance companies in the state to provide clients with insurance policies that will suit their needs, expectations, and priorities. The company’s professional associates are adept at assisting clients acquire car insurance to protect them from unexpected auto accidents. They can also source insurance plans for classic cars, RVs, motorcycles, and various watercraft.

  • Multiple Carriers

450 West State Street, Eagle, ID 83616
WebsiteLicense: 821978

Expertise.com Rating

Why choose this provider?

Pacific Crest Insurance is a veteran-owned business helping Meridian clients obtain auto insurance coverages. The business was established in 2004, with a focus on providing personalized insurance plans to customers. Its agents first discuss all of the auto insurance coverages available in the market. After discussion, they will shop for policies that can give adequate protection for the clients' families and vehicles. Available plans include uninsured motorist, medical payment, comprehensive, personal injury, liability, and collision.

501 South Main Street, Meridian, ID 83642
WebsiteLicense: 305619

Expertise.com Rating

Review Sources

Google
4.8 (71)
Facebook
5.0 (50)

Why choose this provider?

Mustard Seed Financial & Insurance serves Meridian clients, offering a full line of insurance products, including auto policies. Its staff has an average of 15 years of experience in the insurance industry. They work with clients one-on-one to find policies that offer peace of mind and protection against high out-of-pocket costs, injury liability, and legal expenses when accidents, hit-and-runs, or thefts occur. Mustard Seed Financial & Insurance also specializes in insuring long-haul trucks and is licensed in 30 different states.

  • Multiple Carriers

1661 Shoreline Drive, Boise, ID 83702
WebsiteLicense: 9468

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (2)

Why choose this provider?

In its over 60 years of service, Higgins & Rutledge Insurance has served thousands of individuals, families, and commercial clients near Meridian. Starting as a small loan business in the early 1940s, the company later expanded to include insurance products and services, including car insurance. The agents from this company help clients by assessing their current coverage and guiding them in selecting policies based on their needs. The insurance plans they offer cover cars, boats, recreational vehicles, and motorcycles.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

10159 West Overland Road, Boise, ID 83709
WebsiteLicense: 1249

Expertise.com Rating

Why choose this provider?

Three Rivers Insurance - Boise was established in 1989, but it traces its roots to the foundation of the Triangle Bar Agency in 1908. The full-service insurance agency provides a host of insurance products in the Boise and Meridian areas, including auto insurance. The auto insurance of the agency helps protect its clients financially through its property, medical, and liability coverages. Three Rivers Insurance also has a strong focus on building a lasting relationship with its clients.

  • Multiple Carriers

6900 West Overland Road, Boise, ID 83709
WebsiteLicense: 695562

Expertise.com Rating

Review Sources

Google
5.0 (73)
Facebook
5.0 (1)

Why choose this provider?

Monte Folsom is an independent and licensed State Farm insurance agent that serves clients in Meridian and nearby areas. He offers insurance and risk management products such as automobile insurance for personal and commercial policy buyers. He also deals with homeowners' and life insurance policies. Folsom, who has been an agent for the company for two years, aims to provide each client with an insurance package tailored to suit their needs and requirements.

  • Multiple Carriers
  • Bundling Option

9201 West Overland Road, Boise, ID 83709
WebsiteLicense: 55835

Expertise.com Rating

Why choose this provider?

Silver Key Insurance, Inc. is a car insurance agency based in Boise that extends its services to Meridian residents. It is an independent insurance company that offers various types of vehicle insurance. The agency works with carriers such as the Auto-Owners Insurance Co. and Grange Insurance Association. Its auto insurance includes both liability and no-fault coverages which are beneficial in case of a car accident. Aside from cars, the company also offers insurance for classic cars, ATVs, and motorcycles.

  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

FAQs

  • 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.

  • Shouldn’t your car insurance policy in Meridian be paying for your crashed car’s OEM replacement parts?

    Car insurers have the right to only cover non-OEM or aftermarket parts for repairs/replacements, and this should be stated in writing. You should also be informed in writing if the auto repair shop will install non-OEM parts. It’s important that you countercheck this detail if you are buying a new policy in Meridian. If your existing policy contains this non-OEM clause, and you want to use OEM parts for your car repair, you will have to cover the price difference.

  • Will your car insurance policy cover damage if your car gets flooded while inside your home garage in Meridian?

    You need to have comprehensive coverage in your car insurance policy for damage resulting from the flood to be covered. As your Meridian insurance agent if your policy includes this protection. Comprehensive coverage addresses non-collision-related damage, including fire, hail, and theft damage. If any item inside your car got damaged as well, such as your laptop, your homeowners’ insurance may be able to pay for a replacement as this insurance protects personal belongings.

  • How much car insurance coverage do you need to maintain to comply with the law in Meridian?

    According to Idaho Statutes Section 49-1229, you must have the following insurance coverage at the minimum:

    Bodily injury liability coverage - $25,000 bodily per individual, and $50,000 per accident Property damage liability coverage - $15,000 per accident

    Car insurance agencies in Meridian are also mandated to include uninsured and underinsured motorist (UM/UIM) coverage in every policy. However, unlike bodily injury and property damage liability coverage, you can waive the inclusion of UM/UIM coverage.

  • Do you always need to carry your certificate of liability insurance in Meridian? What if you lost the paper certificate?

    Idaho Statutes Section 49-1232 requires the certificate of liability insurance to always be in the car or with the driver. If you lost the paper certificate, make sure you have an electronic copy with you. An electronic copy of your certificate is accepted as proof of insurance. If the Meridian police cited you for not carrying proof of insurance while driving, you will be given a chance to present the certificate before you get convicted of the violation.

  • What does it mean if your car insurance policy in Meridian says it includes an “accident forgiveness” benefit?

    When you get in a car accident in Meridian and are at fault for it, your insurance premium will usually increase. The accident forgiveness benefit prevents this rate hike by “forgiving” your at-fault accident. Most car insurers who offer this benefit would forgive the first at-fault accident on your driving record, or only one accident for every three-year period. Some insurers require you to have a clean driving history for five years on the policy before qualifying for this benefit.

  • 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.