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How much is car insurance in Coeur D'Alene?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Coeur D'Alene is in line with pricing for the rest of Idaho.
Likewise, car insurance rates in Coeur D'Alene are more affordable than the national average. Car insurance rates for the United States as a whole are, on average, $34 more expensive than the rates you'd pay in Coeur D'Alene.
While these are the average car insurance rates for Coeur D'Alene, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
But don't worry, 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 the bill you'll see each month. 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates climb back up once you hit retirement age in Coeur D'Alene.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This rings true in Coeur D'Alene, where women pay around $9 less per month than men. As illustrated in the table above, male drivers in the area pay about $51 on average, while female drivers pay around $42 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in Coeur D'Alene with one accident will pay around $53 a month. In addition, drivers with one ticket can expect to pay around $71 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$32|
|4-5 Years||Not Enough Data|
|15 Years or Older||$44|
The most affordable vehicles to insure in Coeur D'Alene are by and large SUVs, which run about $43 per month.
Car owners can expect to pay an average of around $45 a month for their policy, while truck and van drivers are usually around $55 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Coeur D'Alene, the most expensive vehicles to insure are vehicles eight-to-ten years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
Generally, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
In Coeur D'Alene, the difference in rates based on relationship status can be as much as $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Your living situation is another factor that affects your monthly rate. Drivers who own property in Coeur D'Alene can expect to pay around $2 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Coeur D'Alene, ID
Recent trends in car insurance for Coeur D'Alene drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Coeur D'Alene, the rates for auto insurance increased from 2016-2017, before steadying out in 2018. Rates had been increasing again, hitting a high of $59 in 2020, and finished down at $34 in 2021.
How does Coeur D'Alene compare to neighboring areas?
Why are car insurance rates in Coeur D'Alene different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Local regulations
- Off-street parking availability
- Number of car accidents
- Number of drivers in the community
- Crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Coeur D'Alene.
Coeur D'Alene Insurance FAQs
What factors affect car insurance quotes in Coeur D'Alene?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Coeur D'Alene different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Coeur D'Alene?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Coeur D'Alene?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Coeur D Alene or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.