Car Insurance in Eagle, ID

Eagle residents who own vehicles are required by Idaho state law to carry car insurance. Whether you are involved in a serious multi-car collision on South Eagle Road or a fender bender on State Street, a good auto insurance policy can prevent you from facing significant financial losses.

Independent agents make it easy to find a reliable car insurance policy at a great price. These agents can explain your coverage options and provide you with customized car insurance quotes from some of the area's most highly rated insurers. Find an independent insurance agent near you to get started.

How Much Does Car Insurance Cost in Eagle, ID?

If you are looking for a reasonably priced auto insurance policy, you may be happy to learn that rates in Idaho tend to be much lower than in most other states.

• National average annual car insurance cost: $1,311
• Idaho average annual car insurance cost: $877

However, an average cost can only give you a ballpark idea of what you will be expected to pay. Rates can vary from one driver to the next because insurance companies base costs on several factors such as:

• The make, model, and year of the vehicle(s) you are insuring
• Your age, gender, marital status, occupation, and driving history
• Details about the other licensed drivers in your household
• Whether you own or rent your home
• The amount of liability coverage you want to purchase
• The coverage options you wish to include in your policy
• The size of your deductible

You can often qualify for rate reductions if you bundle your car insurance with other home insurance or renters insurance policies. Additionally, many insurance companies offer other money-saving incentives like safe-driver discounts and good-student discounts.

Comparing rates from a few competing insurance companies lets you choose the policy that offers the coverage you want at the most affordable price.

Is Car Insurance Required in Eagle, ID?

Idaho law requires all vehicle owners to carry a car insurance policy that includes the following coverage:

• Liability insurance: This covers other people's damage and medical bills if you are at fault for an accident. Your policy must provide coverage of at least:
  • Bodily injury liability insurance per person: $25,000
  • Bodily injury liability insurance per accident: $50,000
  • Property damage liability insurance per accident: $15,000

If you cause a severe accident and the costs exceed your policy's liability coverage limits, you will be expected to make up the difference out of pocket. This can get very expensive, so many Eagle drivers purchase car insurance with higher-than-required liability limits.

You can also purchase umbrella insurance if you want to have even more liability coverage than your policy can provide. This is an affordable way to boost all of your personal liability coverage significantly.

What Else Does Eagle, ID Car Insurance Cover?

In addition to the mandatory coverage mentioned above, your car insurance provider will also offer various coverage options. You can choose to include any or all of the following coverage types in your auto insurance policy:

• Physical damage coverage: This is not required by law, but it usually is required by dealerships if you are leasing your vehicle and by lenders if you are still paying for your car loan. Physical damage coverage includes:
  • Collision coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
  • Comprehensive coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
• Uninsured motorist insurance (UIM): This covers medical treatment for you and your passengers if you are injured in a collision caused by an uninsured driver. All car insurance companies must provide this coverage at the following minimum limits unless you have opted out in writing:
  • UIM bodily injury insurance per person: $25,000
  • UIM bodily injury insurance per accident: $50,000
• Medical payments insurance: This helps cover medical bills if you or your passengers are injured in a collision, regardless of fault.
• Towing and roadside assistance insurance: This covers the cost of assistance if your car becomes disabled while on the road, such as having a blown head gasket or running out of gas.
• Gap insurance: This can pay off your car loan or buy out your lease if your car is totaled in a covered event. It is beneficial if you still owe more for your vehicle than it is worth.
• Rental car reimbursement: This covers the cost of renting a vehicle while your car is being repaired following a covered event.

Consult an independent insurance agent near you for help deciding which coverage options are a good fit for you and your family.

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What Is the Penalty for Driving without Insurance in Eagle, ID?

Driving without insurance in Idaho is illegal. If caught, you can face penalties that include:

• For a first infraction:
  • A fine of $75
• For a second or subsequent infraction within five years:
  • A misdemeanor conviction on your record
  • A fine of up to $1,000
  • Possible incarceration in the county jail for up to six months
  • Higher car insurance rates

Fortunately, most drivers in Idaho have insurance. In fact, this state has one of the lowest rates of uninsured drivers in the country.

• Percentage of US drivers who are uninsured: 13.0%
• Percentage of Idaho drivers who are uninsured: 8.2%

If you are involved in a collision caused by an uninsured driver, that person is responsible for compensating you for your medical costs and property damage. However, this money can be difficult to collect, especially if the uninsured driver has no money or assets to go after.

Uninsured motorist insurance can help. This optional coverage ensures that you will receive timely compensation for your injuries without the need to go through a lengthy legal process.

Unless you have specifically opted out in writing, your auto insurance policy will include uninsured motorist insurance.

What Are the Best Car Insurance Companies in Eagle, ID?

The best car insurance companies in Idaho are the ones that have a long history of consistently providing excellent service, reliable compensation, and affordable rates.

Independent agents in Eagle have teamed up with some of Idaho's most highly rated auto insurance providers. Therefore, you can rest assured that when your agent presents you with policies and rates, they come from insurance companies you can rely on if you need to file a claim.

How Can an Independent Agent Help Me Find the Best Car Insurance in Eagle, ID?

If you are looking for an affordable car insurance policy that meets all of your coverage needs, an independent agent in Eagle can help. These agents work for you, not for an insurance company, so they are free to shop around to find you the coverage you want at the most competitive price.

Arrange a no-cost consultation with an independent insurance agent near you to get answers to your coverage-related questions and trustworthy advice. You can soon be comparing a selection of customized car insurance quotes.