Best Cheap Auto Insurance in Coeur D’Alene, ID (2021)

The average Coeur D'Alene, ID auto insurance rates are $230 per month. The minimum auto insurance in Coeur D'Alene is at least 25/50/15 in coverage to comply with Idaho auto insurance laws. To find the best cheap auto insurance in Coeur D'Alene, Idaho, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The most expensive auto insurance company in Coeur d’Alene for teen drivers is Travelers
  • Average auto insurance rates in Coeur d’Alene, ID for senior drivers are $1,471 per year
  • The minimum auto insurance required in Coeur d’Alene, Idaho is 25/50/15

Coeur d’Alene, Idaho auto insurance requirements are 25/50/15 according to Idaho auto insurance laws. Finding cheap auto insurance in Coeur d’Alene can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Coeur d’Alene, Idaho, including driving record, credit, commute time, and more.

Compare auto insurance in Coeur d’Alene to other Idaho cities, including Nampa auto insurance rates, Pocatello auto insurance rates, and Boise City auto insurance rates to see how Coeur d’Alene, Idaho auto insurance rates stack up.

Before you buy Coeur d’Alene, Idaho auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Coeur d’Alene, Idaho auto insurance quotes.

Minimum Auto Insurance in Coeur d’Alene, Idaho

Coeur d’Alene, Idaho auto insurance laws require that you have at least the Idaho minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Coeur d’Alene, Idaho.

Minimum Required Auto 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

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Cheap Coeur d’Alene, Idaho Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Coeur d’Alene, Idaho are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Coeur d’Alene, Idaho Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Coeur d’Alene, Idaho is a challenge. Take a look at the annual teen auto insurance rates in Coeur d’Alene, Idaho.

Annual Auto 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

Cheap Coeur d’Alene, Idaho Auto Insurance for Seniors

What are senior auto insurance rates in Coeur d’Alene, Idaho? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Coeur d’Alene, Idaho Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Coeur d’Alene, Idaho compared to the annual auto insurance rates with a clean record in Coeur d’Alene, Idaho.

Annual Coeur d’Alene, Idaho Auto 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

Cheap Coeur d’Alene, Idaho Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Coeur d’Alene, Idaho is not easy. Compare the annual rates for DUI auto insurance in Coeur d’Alene, Idaho to find the best deal.

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

Insurance Company Annual Auto 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

Cheap Coeur d’Alene, Idaho Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Coeur d’Alene, Idaho annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Coeur d’Alene, Idaho Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Coeur d’Alene, Idaho can vary. Compare the annual cost of auto insurance by ZIP code in Coeur d’Alene, Idaho to see how car insurance rates are affected by location.

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

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

Cheap Coeur d’Alene, Idaho Auto Insurance Rates By Commute

Commute length and annual mileage affect Coeur d’Alene, Idaho auto insurance. Find the cheapest annual Coeur d’Alene, Idaho auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Coeur d’Alene, Idaho Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Coeur d’Alene, Idaho? Check out the comparison of annual Coeur d’Alene, Idaho auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Coeur d’Alene, Idaho

Compare the cheapest auto insurance companies in Coeur d’Alene, Idaho in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Coeur d’Alene, Idaho Auto Insurance Companies

What auto insurance companies in Coeur d’Alene, Idaho are the cheapest? Compare the top Coeur d’Alene, Idaho auto insurance companies to find the best annual rates.

Average Annual Auto 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

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

There are a lot of reasons why auto insurance rates in Coeur d’Alene, Idaho are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Coeur d’Alene, Idaho. Many local factors may affect your Coeur d’Alene auto insurance rates.

Coeur d’Alene Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Coeur d’Alene, Idaho auto theft statistics, there have been 71 auto thefts in the city.

Coeur d’Alene Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Coeur d’Alene, Idaho commute length is 17.9 minutes according to City-Data.

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Compare Coeur d’Alene, Idaho Auto Insurance Quotes

Before you buy Coeur d’Alene, Idaho auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Coeur d’Alene, Idaho auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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