Coverage
Auto Insurance
Protect your daily drive with the right liability, collision, and comprehensive coverage.
Shopping for car insurance in Boise shouldn't feel like a full-time job. At Borgman Agency, we do the shopping for you — comparing rates across Progressive, Travelers, Liberty Mutual, Nationwide, Allstate, and more so you get the right coverage at the right price. We're local, independent, and on your side.
What Does Auto Insurance Cover?
A standard auto insurance policy is built from several coverage types. As an independent agency, we help you build a policy that fits your life — not just the state minimum. Every policy is different, and coverages vary by carrier and the options you select.
- Liability coverage: Pays for injuries and property damage you cause to others in an at-fault accident
- Collision coverage: Covers damage to your vehicle after an accident, regardless of fault
- Comprehensive coverage: Protects against theft, vandalism, wildlife strikes, fire, and weather damage
- Uninsured/underinsured motorist coverage: Covers you when the at-fault driver carries no insurance or inadequate limits — an important consideration given the number of uninsured drivers on Idaho roads
- Medical payments (MedPay): Pays your medical bills after an accident, no matter who is at fault
- Roadside assistance and rental reimbursement: Optional add-ons that reduce out-of-pocket costs when things go wrong
Idaho Auto Insurance Requirements
Idaho law requires all drivers to carry minimum liability coverage of 25/50/15 — that's $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. While this satisfies the legal requirement, minimum limits may not be sufficient in a serious accident. We'll help you understand what limits make sense for your situation.
How Much Does Car Insurance Cost in Boise?
Auto insurance rates vary considerably based on your driving history, the vehicles you drive, your ZIP code, and the coverage options you select. Because we work with multiple top carriers, we can present competing quotes side by side so you can make an informed decision. The best way to know your rate is to get a quote — and we'll have options ready as quickly as possible.
Why Use an Independent Agent for Auto Insurance?
When you buy directly from a single carrier, you see one set of rates. When you work with Borgman Agency, we quote your coverage across multiple top carriers simultaneously. That means you get real competition working in your favor — not a sales pitch from one company trying to protect their own margins.
Carriers we use for this line
Frequently Asked Questions
Idaho requires 25/50/15 minimum liability. However, most insurance professionals recommend carrying higher limits to better protect your assets in a serious accident. We'll walk you through the right limits for your situation.
Yes — and bundling is one of the best ways to save. Most of our carriers offer meaningful discounts when you combine your auto and home policies. We'll show you the bundled vs. separate numbers side by side.
Idaho does not require uninsured motorist coverage, but a meaningful percentage of Idaho drivers are on the road without adequate insurance. We strongly recommend adding UM/UIM coverage so you're not left paying out of pocket when someone else is at fault but underinsured.
Yes. Idaho insurers are permitted to use credit scores as a rating factor. Maintaining good credit can reduce your premium. We'll find carriers whose underwriting weighs this factor favorably for your profile.
Call us at (208) 501-8877 or use our online quote form. We'll get back to you as quickly as possible and shop your coverage across all our carriers to present your best options clearly.
Ready to find better car insurance in Boise? Call (208) 501-8877 or get your free quote online. Joshua and Lauren Borgman — local, independent, and working for you.