Compare Coeur D’Alene, ID Car Insurance Rates (2021)

Car insurance in Coeur D'Alene, ID averages $230 a month. Coeur D'Alene, Idaho car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Coeur D'Alene car insurance rates, compare quotes from the top car insurance companies in Coeur D'Alene, ID.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Coeur d’Alene, ID after a DUI are $3,437/year
  • The cheapest ZIP code in Coeur d’Alene is 83814
  • The cheapest car insurance company in Coeur d’Alene is State Farm

If you need to buy Coeur d’Alene, Idaho car insurance, the options can be confusing. Everything you need to know about car insurance in Coeur d’Alene, ID is right here.

You’ll find Coeur d’Alene car insurance rates, the cheapest Coeur d’Alene, ID car insurance companies, and information on Idaho car insurance laws. You can also compare Coeur d’Alene, Idaho car insurance rates to Pocatello car insurance rates, Meridian car insurance rates, and Caldwell car insurance rates.

Ready to find affordable Coeur d’Alene, ID car insurance today? Enter your ZIP code for fast, free Coeur d’Alene car insurance quotes.

Cheapest Coeur d’Alene, ID Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Coeur d’Alene, ID car insurance rates? Every Coeur d’Alene, Idaho car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Coeur d’Alene, Idaho

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,928 $1,923 $1,679 $1,740 $6,781 $7,809 $2,158 $2,281
American Family $2,066 $2,066 $1,836 $1,836 $7,336 $9,550 $2,066 $2,590
Farmers $1,535 $1,521 $1,354 $1,435 $7,495 $7,746 $1,765 $1,853
GEICO $2,083 $2,056 $1,982 $1,925 $4,492 $5,585 $2,840 $2,176
Liberty Mutual $1,341 $1,446 $1,085 $1,212 $4,405 $4,897 $1,421 $1,498
Nationwide $1,764 $1,801 $1,595 $1,689 $4,392 $5,391 $2,072 $2,228
State Farm $1,176 $1,176 $1,064 $1,064 $3,567 $4,495 $1,328 $1,534
Travelers $1,346 $1,366 $1,357 $1,350 $6,689 $10,582 $1,432 $1,634
USAA $1,178 $1,173 $1,152 $1,132 $3,937 $4,411 $1,564 $1,683

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Minimum Car Insurance in Coeur d’Alene, ID

Every driver must carry the minimum car insurance in Coeur d’Alene, ID. Take a look at the Idaho car insurance requirements.

Minimum Required Car Insurance Coverage in Coeur d’Alene, Idaho

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Coeur d’Alene, ID Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Coeur d’Alene, ID. Compare credit history car insurance rates in Coeur d’Alene from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Coeur d’Alene, Idaho

Insurance Company Poor Fair Good
Allstate $4,327 $2,951 $2,585
American Family $4,737 $3,381 $2,887
Farmers $3,479 $2,958 $2,826
GEICO $3,516 $2,808 $2,353
Liberty Mutual $3,076 $1,904 $1,510
Nationwide $3,117 $2,523 $2,209
State Farm $2,705 $1,710 $1,361
Travelers $3,685 $3,102 $2,872
USAA $2,960 $1,731 $1,395

Cheapest Coeur d’Alene, ID Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Coeur d’Alene, ID to rates for a clean record with top companies.

Annual Coeur d’Alene, Idaho Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,733 $3,413 $3,786 $3,218
American Family $2,892 $4,091 $4,415 $3,275
Farmers $2,693 $3,416 $3,203 $3,041
GEICO $1,782 $2,836 $3,955 $2,996
Liberty Mutual $1,798 $2,254 $2,317 $2,283
Nationwide $2,012 $2,596 $3,605 $2,253
State Farm $1,752 $2,098 $1,925 $1,925
Travelers $1,982 $2,826 $4,906 $3,163
USAA $1,452 $2,079 $2,824 $1,761

Cheapest Coeur d’Alene, ID Car Insurance for Teen Drivers

Teen car insurance in Coeur d’Alene, ID can be expensive. Take a look at rates from the top car insurance companies in Coeur d’Alene for teenagers.

Annual Car Insurance Rates for Teen Drivers in Coeur d’Alene, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,781 $7,809
American Family $7,336 $9,550
Farmers $7,495 $7,746
GEICO $4,492 $5,585
Liberty Mutual $4,405 $4,897
Nationwide $4,392 $5,391
State Farm $3,567 $4,495
Travelers $6,689 $10,582
USAA $3,937 $4,411

Cheapest Coeur d’Alene, ID Car Insurance for Seniors

Take a look at Coeur d’Alene, ID senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Coeur d’Alene, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,679 $1,740
American Family $1,836 $1,836
Farmers $1,354 $1,435
GEICO $1,982 $1,925
Liberty Mutual $1,085 $1,212
Nationwide $1,595 $1,689
State Farm $1,064 $1,064
Travelers $1,357 $1,350
USAA $1,152 $1,132

Cheapest Coeur d’Alene, ID Car Insurance Rates After a DUI

A DUI in Coeur d’Alene, ID increases car insurance rates. Compare Coeur d’Alene, Idaho DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Coeur d’Alene, Idaho

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,786
American Family $4,415
Farmers $3,203
GEICO $3,955
Liberty Mutual $2,317
Nationwide $3,605
State Farm $1,925
Travelers $4,906
USAA $2,824

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Cheapest Coeur d’Alene, ID Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Coeur d’Alene, ID by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Coeur d’Alene, Idaho

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,287 $3,287
American Family $3,592 $3,744
Farmers $3,088 $3,088
GEICO $2,843 $2,942
Liberty Mutual $2,163 $2,163
Nationwide $2,617 $2,617
State Farm $1,879 $1,972
Travelers $3,219 $3,219
USAA $2,005 $2,053

Cheapest Coeur d’Alene, ID Car Insurance Rates by ZIP Code

Coeur d’Alene car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Coeur d’Alene, ID.

Annual Car Insurance Rates by ZIP Code in Coeur d’Alene, Idaho

ZIP Code Average Annual Rates
83814 $2,761
83815 $2,770

The Best Cheap Car Insurance Companies in Coeur d’Alene, ID

Take a look at a side-by-side comparison of the top car insurance companies in Coeur d’Alene, ID to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Coeur d’Alene, Idaho

Insurance Company Average Annual Rates
Allstate $3,287
American Family $3,668
Farmers $3,088
GEICO $2,892
Liberty Mutual $2,163
Nationwide $2,617
State Farm $1,925
Travelers $3,219
USAA $2,029

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Category Winners: Cheapest Car Insurance in Coeur d’Alene, Idaho

Find the cheapest car insurance companies in Coeur d’Alene, ID for each category right here.

Best Annual Car Insurance Rates by Company in Coeur d’Alene, Idaho

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Coeur d’Alene, ID Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Coeur d’Alene car insurance rates. Find the cheapest Coeur d’Alene, ID car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Coeur d’Alene, Idaho

Insurance Company Low Medium High
Allstate $3,165 $3,281 $3,416
American Family $3,667 $3,850 $3,487
Farmers $2,932 $3,053 $3,279
GEICO $2,733 $2,888 $3,057
Liberty Mutual $2,039 $2,160 $2,290
Nationwide $2,567 $2,748 $2,534
State Farm $1,812 $1,930 $2,034
Travelers $3,164 $3,267 $3,227
USAA $1,968 $2,025 $2,093

What affects car insurance rates in Coeur d’Alene, Idaho?

What factors can have an impact on Coeur d’Alene, ID car insurance? There are several reasons why Coeur d’Alene car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Coeur d’Alene, Idaho.

Car Theft in Coeur d’Alene

High levels of vehicle theft can make car insurance more expensive. Coeur d’Alene, ID car theft statistics from the FBI indicate 71 vehicle thefts a year.

Commute Time in Coeur d’Alene

The more time you spend in your car the higher the risk of an accident. The average commute length in Coeur d’Alene, ID is 17.9 minutes according to City-Data.

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Compare Car Insurance Quotes in Coeur d’Alene, ID

Ready to find affordable Coeur d’Alene, Idaho car insurance today? Enter your ZIP code for fast, free Coeur d’Alene, ID car insurance quotes.

Free Car Insurance Comparison

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