Car Insurance in Boise
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Driving Around in Boise
Boise is the capital city of Idaho, and its population of 240,713 includes a high level of ethnic and cultural diversity, with a large volume of resettled refugees from Europe, Asia, Africa, and Latin America. The area population has been growing steadily over the past decade, resulting in more traffic on the roads. Residents should take steps to protect their vehicles with reliable car insurance in Boise.
There are many attractions in the Boise area that encourage residents to get out and about. From an up-and-coming culinary scene, to Zoo Boise, to a wide assortment of outdoor activities on and around the Boise River, the "City of Trees" offers something for everyone. Residents of Boise also spend a significant amount of time getting to their jobs, with an average daily commute of 35.3 minutes. While the Valley Regional Transit system operates an extensive city-wide bus route, 89% of residents drive alone to work in their personal vehicles.
Weather in Boise is mostly accommodating for drivers, with the area experiencing all four seasons but none of them reaching extremes of temperature or precipitation. The hottest months of July and August only max out in the low 90s, but the winter season runs from November through March with average temperatures in the low 40s.
Why You Need Car Insurance in Boise
Car insurance helps to protect you financially if you find yourself in an accident or facing other emergency situations impacting your car. There are numerous reasons for finding reliable car insurance in Boise, and VIU by HUB can help you to choose the best policy for your needs.
State Requirements
The state of Idaho requires resident drivers to maintain insurance policies to protect themselves, their passengers, and others on the road. The law requires a minimum of $15,000 in liability insurance for property damage. Drivers must also carry bodily injury liability insurance with a minimum of $25,000 per person and $50,000 per accident.
Accident Rates
With all of the vehicles on the roads in the Boise area, the risk of being involved in an accident is a concern. The number of Idaho vehicle crashes increased by 22% between 2020 and 2021, and fatalities increased by 27%. 65% of these accidents occurred in urban areas, with Boise bearing the largest share in the state.
Inclement Weather
Boise experiences significant snowfall in the winter months, with December accumulating an average of 2.9 inches. Snow can have a serious impact on vehicular risk, causing hazardous driving conditions during the snow event as well as deteriorating the quality of the roadways.
Cost of Car Insurance
An annual comprehensive car insurance policy in Boise costs approximately $1,078. This is higher than the state average but significantly lower than the national average. Residents of Boise can rest assured that the investment is well worth it to protect their vehicle in the event of an accident or other emergency.
Common Policy Protections
A car insurance policy is important for covering damage to your vehicle in the event of an accident. It also protects your finances if you cause someone else's injuries or damage their property due to causing an accident when you are behind the wheel. The right insurance policy will also pay medical expenses for you or your passengers in case of injury in an accident, and will cover expenses if your accident is caused by an uninsured or underinsured driver.
Find the Best Car Insurance in Boise
If you are unsure where to start in your search for the right car insurance policy, check out VIU by HUB. With quote comparisons from area insurance providers, finding a reliable policy within your budget is just a few clicks away.
This information is intended for general informational purposes only and is not intended to constitute legal advice.