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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Coeur d’Alene, ID are $230/month
  • Average car insurance rates in Coeur d’Alene, ID for senior drivers are $1,471/year
  • The cheapest car insurance company in Coeur d’Alene for teen drivers is State Farm

Average car insurance rates in Coeur d’Alene, Idaho are $230 a month. But with a little research you can get a great deal from the top car insurance companies in Coeur d’Alene, ID. Before you buy Coeur d’Alene, Idaho car insurance, make sure your coverage meets or exceeds the Idaho minimum of 25/50/15.

It may even be helpful to compare Coeur d’Alene car insurance rates with Idaho Falls car insurance rates, Meridian car insurance rates, or Post Falls car insurance rates to make sure you’re getting the best Coeur d’Alene, ID car insurance quotes available.

Need affordable Coeur d’Alene, ID car insurance? Enter your ZIP code to compare Coeur d’Alene car insurance quotes from multiple car insurance companies near you.

Coeur d’Alene, ID Minimum Car Insurance Coverage

Coeur d’Alene, Idaho law requires drivers carry a minimum of 25/50/15 coverage. Take a look at the breakdown of the minimums here.

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

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

Some Coeur d’Alene drivers can get by with the Idaho minimum coverage of 25/50/15. Other drivers may need more. See how much your Coeur d’Alene, Idaho car insurance rates may be based on the coverage you need.

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

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

Coeur d’Alene, Idaho car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Coeur d’Alene, ID car insurance, get quotes from multiple car insurance companies in the Coeur d’Alene area and see how these criteria affect your 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

Coeur d’Alene, ID Car Insurance Rates for Teens

How much is Coeur d’Alene, Idaho car insurance for teens? Compare rates from top Coeur d’Alene car insurance companies below to help find the cheapest teen car insurance in Coeur d’Alene, ID.

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

Coeur d’Alene, ID Car Insurance Rates for Seniors

Before seniors buy Coeur d’Alene, Idaho car insurance, they should make sure to shop around. Some Coeur d’Alene, ID car insurance companies may offer discounts or other savings options for senior car insurance.

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

Coeur d’Alene, ID Car Insurance Rates by Credit History

How does your credit history affect Coeur d’Alene, ID car insurance rates? Review the numbers here to find out.

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

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Coeur d’Alene, ID Car Insurance Rates by Driver History

How does a single speeding ticket affect your Coeur d’Alene, Idaho car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Coeur d’Alene.

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

Coeur d’Alene, ID Car Insurance Rates With a DUI

Even a single DUI can increase your Coeur d’Alene, ID car insurance rates. Compare rates below to see which Coeur d’Alene car insurance company has the best rates for drivers with a DUI.

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

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

Just like Coeur d’Alene car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Coeur d’Alene, ID car insurance rates fluctuate by ZIP code.

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

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

Coeur d’Alene, ID Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Coeur d’Alene, ID car insurance rates may be. Let’s take a look at average car insurance rates from top Coeur d’Alene companies based on commute time.

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

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Coeur d’Alene, ID Cheapest Car Insurance Rates

How do the top Coeur d’Alene, Idaho car insurance companies’ average rates stack up against the Coeur d’Alene average monthly car insurance rates of $230? Take a look and see.

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

Coeur d’Alene, ID Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Coeur d’Alene, Idaho car insurance companies to help you find one that best fits 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

Other Factors Affecting Coeur d’Alene, ID Car Insurance Rates

Before you buy Coeur d’Alene, Idaho car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Coeur d’Alene, ID Car Theft Rates

The car theft rate in Coeur d’Alene, ID will affect your car insurance rates. FBI data shows that the annual car theft rate for Coeur d’Alene, Idaho is 71 stolen cars.

Coeur d’Alene, ID Commute Time

How does your Coeur d’Alene, ID commute time compare with the average driver? In Coeur d’Alene, the average commute is 17.9 minutes.

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Coeur d’Alene, ID Car Insurance Quotes

Compare Coeur d’Alene, ID car insurance quotes from multiple companies by entering your ZIP code now.