Coeur D’Alene, ID Car Insurance

Residents of Coeur D Alene pay around $46 monthly for their car insurance coverage. For information on policy rates, coverage, and more check out our guide below.
What rates can residents of Coeur D Alene expect to pay for their car insurance? Compared to their surrounding area, how do rates in Coeur D Alene stack up? What about against the rest of Idaho? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Coeur D Alene?

Area Average Monthly Car Insurance Premium
Coeur D Alene$46
ID$49
United States$81

Based on the chart above, you can see that car insurance rates in Coeur D Alene are in line with rates across the rest of Idaho.

If you're thinking of moving to Coeur D Alene from out of state, you may still be in luck. The average monthly payment in Coeur D Alene is about $35 less than the rate for the rest of the United States.

Although these are the average rates for auto insurance in Coeur D Alene, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.

Don't sweat it however, we've broken down the average rate for Coeur D Alene residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$75
25-34$51
35-44$39
45-54Not Enough Data
55-64$28
65+$32

It would make sense that older drivers have more driving experience, right? That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.

Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates begin to increase again once you hit retirement age in Coeur D Alene.

Average Car Insurance Rates by Gender

Gender Average
Male$49
Female$43

Female drivers pay, on average, slightly less than their male counterparts. In Coeur D Alene, the difference is around $6 per month. As you can see in the table above, male drivers in the area typically pay $49 on average, while female drivers typically pay $43 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$54
Multiple AccidentsNot Enough Data
1 Ticket$47
Multiple Tickets$59

Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Coeur D Alene, drivers with one accident on their record will experience rates around $54 a month. Similarly, drivers with one ticket will typically pay around $47 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$32
2-3 Years$29
4-5 Years$29
6-7 Years$42
8-10 Years$58
11-14 Years$46
15 Years or Older$44

The cheapest vehicles to insure in Coeur D Alene are by and large SUVs, with each type typically costing about $43 per month.

Truck and van drivers will see rates of about $51, while the rates for car owners average out to about $45 a month.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Coeur D Alene, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$49
Married$42
Divorced$30
Widowed$30

More often than not, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Coeur D Alene is no exception, with the difference totaling to around $7 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$46
Live with parents$80

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $3 a month more than drivers who own property in Coeur D Alene. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Coeur D Alene, ID

Recent trends in car insurance for Coeur D Alene drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

The cost of auto insurance in Coeur D Alene have been mixed as of late, it dropped in 2017, rose in 2019, and fell again in 2021, before finishing at $41 in 2022.

How does Coeur D Alene compare to neighboring areas?

Why are car insurance rates in Coeur D Alene different from other areas?

There are many factors car insurance companies will consider when deciding how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:

  • Area regulations
  • Amount of off-street parking
  • Crime
  • General road safety (how many accidents each locality has)
  • Number of drivers in the area

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Coeur D Alene?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Don't worry, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Coeur D Alene.

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Coeur D Alene Insurance FAQs

What factors affect car insurance quotes in Coeur D Alene?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, and driving record.

Why is the cost of car insurance in Coeur D Alene different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Coeur D Alene?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Coeur D Alene?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Coeur D Alene or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes