Best Coeur D’Alene, ID Car Insurance in 2024
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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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
Frequently Asked Questions
What is the average monthly car insurance rate in Coeur D’Alene, ID?
The average monthly rate is $230.
What are the car insurance requirements in Coeur D’Alene, ID?
The minimum requirements are 25/50/15, but full coverage may be needed for financed cars.
How can I find cheap car insurance rates in Coeur D’Alene, ID?
Compare quotes from top car insurance companies in the area.
How do factors like age, gender, and marital status affect car insurance rates?
Different companies weigh these factors differently, so comparing rates is recommended.
How does credit score affect car insurance rates?
Credit score can impact rates. Compare rates for different credit history categories.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.