For a 40-year-old driver with a clean record, Eagle car insurance averages about $143 a month ($1,720 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 7% below the Idaho average of $153 a month. State Farm has the lowest full-coverage average among the insurers we rank, at about $104 a month.
Eagle costs a little more than Boise and Meridian but less than the Idaho average for our benchmark driver: about $10 a month less, and about $7 a month more than Boise.
GEICO, marked with an asterisk in our Eagle table, averages about $107 a month, close to State Farm’s $104. Idaho Farm Bureau, at $128, is the next-lowest of the other insurers we price. The one 2026 rate study we reviewed that names a cheapest insurer in Eagle picks State Farm.
Cost data comes from the auto rates insurers file with state regulators, priced in Eagle’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
How Much Is Car Insurance in Eagle, ID?
Full coverage in Eagle averages $1,720 a year, or about $143 a month, for our benchmark driver. Liability-only coverage at Idaho’s 25/50/15 minimum averages $556 a year ($46 a month), and 50/100/50 liability with comprehensive and collision averages $1,701 ($142 a month).
- Full coverage (100/300/100, $500 deductibles): $1,720 a year ($143 a month)
- 50/100/50 with $500 deductibles: $1,701 a year ($142 a month)
- Liability only (25/50/15): $556 a year ($46 a month)
- Ada County: $1,651 a year ($138 a month) for full coverage
- Idaho average: $1,841 a year ($153 a month) for full coverage
Cheap Car Insurance in Eagle: Companies Compared
- Lowest average among insurers we rank, full coverage: State Farm, at about $104 a month ($1,245 a year).
- Next lowest: Idaho Farm Bureau, at about $128 a month, then Safeco at $133.
- Lowest liability-only average among the insurers we price (25/50/15): State Farm, at about $31 a month, then Safeco at $35. Auto-Owners is about the same in our table, at $31.
- Also on our list: USAA at about $70 a month, GEICO at $107, Auto-Owners at $117, Travelers at $140 and Nationwide at $142 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $206 a month, $1,231 a year more than State Farm for the same driver and car.
State Farm has the lowest full-coverage average among the five insurers in our Eagle rate data. The recent statewide Idaho rate studies we reviewed don’t agree on which insurer is cheapest for full coverage. Leaving out USAA, which sells only to military families, GEICO, State Farm and Auto-Owners each come out first in two of the eight, and American National and Travelers in one each. For liability-only coverage at 25/50/15 limits, State Farm has the lowest average among the insurers we price, at about $31 a month, followed by Safeco at $35.
Full-coverage averages by insurer in Eagle
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/15 (Yearly): | Minimum Liability 25/50/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| State Farm | $371 | $31 | $1,245 | $104 |
| Idaho Farm Bureau | $435 | $36 | $1,530 | $128 |
| Safeco | $415 | $35 | $1,595 | $133 |
| Farmers | $806 | $67 | $1,755 | $146 |
| Allstate | $754 | $63 | $2,476 | $206 |
| USAA (military families)* | $298 | $25 | $842 | $70 |
| GEICO* | $379 | $32 | $1,283 | $107 |
| Auto-Owners* | $371 | $31 | $1,401 | $117 |
| Travelers* | $585 | $49 | $1,684 | $140 |
| Nationwide* | $1,001 | $83 | $1,703 | $142 |
| Eagle average | $556 | $46 | $1,720 | $143 |
This table uses Eagle’s ZIP code only. See how we calculated these rates.
Your ZIP code matters
How Much More Does Better Coverage Cost in Eagle?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Eagle data: with the same $500 deductibles, full coverage averages $1,720 a year and 50/100/50 averages $1,701. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate, Farmers and Safeco charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Eagle?
Yes, for our benchmark driver. Comparing the same insurers in the same Eagle ZIP code, full coverage averaged $1,669 a year in rates as of Nov. 30, 2025, and $1,720 as of Aug. 31, 2026, a 3.1% increase. Allstate raised its average 6.0%, Farmers 4.9% and State Farm 2.9%, while Idaho Farm Bureau’s and Safeco’s averages were unchanged. Liability-only coverage at 25/50/15 limits rose 7.8%, led by Farmers, which raised its liability-only average 18.2%.
What Shapes Car Insurance Costs in Eagle
Ada County averages about $138 a month for full coverage, the least expensive of the 32 Idaho counties we price, but its northwest towns cost a little more than Boise. Our data uses Eagle’s one ZIP code, 83616.
Star, to the west, averages about $144 a month, about the same as Eagle, and Garden City, between Eagle and downtown Boise, $141. Prices depend on where in Idaho you live, not just on your car and driving record.
How Eagle Car Insurance Compares With Other Idaho Cities
More Idaho cities and towns are in the Idaho rates by city table, and you can compare states on our car insurance rates by state page.
Meridian, about eight miles south, averages $136 a month, and Boise, about 10 miles southeast, $136.
What Car Insurance Is Required in Eagle?
Drivers in Eagle follow Idaho’s rules. Every registered vehicle must be covered by at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $15,000 per crash
Your policy also includes uninsured and underinsured motorist coverage at the same 25/50 limits unless you reject it in writing. Our Idaho requirements guide covers how the state checks your coverage and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Eagle
- Compare State Farm and GEICO first. State Farm has the lowest full-coverage average among the insurers we rank in Eagle, about $104 a month, and GEICO, marked with an asterisk in our table, is close behind at about $107.
- Quote several insurers. In our Eagle data, the lowest and highest insurer averages are about $102 a month apart for the same driver and car.
- Know how credit is used. Idaho insurers can consider your credit, but they can’t charge you more or refuse coverage based primarily on it, under Idaho Code 41-1843.
- Compare at every renewal. Since November 2025, Allstate has raised its average 6.0%, Farmers 4.9% and State Farm 2.9%, so the order in our table can shift.
- Insure your car and home together. A multi-policy discount is a common way to save, so compare Idaho home insurance rates too.
Ready to compare
How We Calculated Eagle Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: five full-coverage premiums from five insurers in Eagle’s ZIP code, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Idaho’s 25/50/15 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision.
- Calculation: for each insurer we take its lowest eligible price in Eagle’s ZIP code. The overall average is the mean of those prices. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in that ZIP code and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP code, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Idaho rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Idaho law and the Idaho Department of Insurance. We refresh these figures when new rate data is released.
Eagle Car Insurance FAQ
For our benchmark driver, full coverage in Eagle averages about $143 a month ($1,720 a year) and liability-only coverage about $46 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 7% below the Idaho average of $153 a month.
State Farm has the lowest full-coverage average in our Eagle rate data, at about $104 a month, followed by Idaho Farm Bureau at $128. For liability-only coverage, State Farm has the lowest average of the five insurers we price, at about $31 a month. Auto-Owners is about the same in our table, at $31. The recent statewide Idaho rate studies we reviewed don’t agree on which insurer is cheapest for full coverage: leaving out USAA, GEICO, State Farm and Auto-Owners each come out first in two of the eight. Rates vary by driver, so compare quotes for your own car and ZIP code.
Boise, for our benchmark driver. Eagle full coverage averages about $143 a month and Boise about $136, a difference of about $7 a month for the same driver and car.
They’re about the same for our benchmark driver: Eagle full coverage averages about $143 a month and Star about $144, about $1 a month apart.
In our Eagle data, full coverage (100/300/100 with $500 deductibles) averages about $143 a month and liability-only coverage at 25/50/15 limits about $46, a difference of about $97 a month ($1,164 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Yes, for our benchmark driver. Comparing the same insurers and ZIP code, Eagle full coverage rose 3.1% between November 2025 and August 2026, from about $1,669 to $1,720 a year. Allstate raised its average 6.0%, Farmers 4.9% and State Farm 2.9%. Liability-only coverage at 25/50/15 limits rose 7.8%.
- About the Author
- Latest Posts
Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
