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Car Insurance Quotes in Coeur d'Alene, ID

Full coverage / year
$1,322
State minimum / year
$410
Typical quote range
$939 – $1,825

Drivers in Coeur d'Alene pay an estimated $1,322 a year for full coverage car insurance, or about $110 a month. That is around 6% below the Idaho average, helped by lighter traffic and below-average claim frequency. Two drivers on the same street routinely pay double the difference, so treat the average as a starting point and quote your own profile.

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Car insurance calculator — Coeur d'Alene, ID

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$110/ month
$1,322 per year · carriers in Coeur d'Alene, ID typically quote $939 – $1,825
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Coeur d'Alene, ID

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,005$84-24%Military members and families only
Geico$1,084$90-18%Usually cheapest for clean records
State Farm$1,163$97-12%Strong for young and student drivers
Progressive$1,256$105-5%Competitive after a ticket or accident
Travelers$1,282$107-3%Good multi-policy discounts
Nationwide$1,322$1100%Mid-market, wide availability
Allstate$1,507$126+14%Higher base rate, heavy discount stacking
Farmers$1,600$133+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Coeur d'Alene, ID. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Coeur d'Alene

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$3,571$1,108$298
18 years old$3,012$935$251
20 years old$2,494$774$208
22 years old$2,072$643$173
25 years old$1,581$491$132
30 years old$1,363$423$114
40 years old$1,281$398$107
50 years old$1,227$381$102
60 years old$1,213$376$101
65 years old$1,268$393$106
70 years old$1,390$431$116
75 years old$1,622$503$135

Estimated premiums by age in Coeur d'Alene, ID, clean record, sedan.

What a ticket, accident or DUI costs in Coeur d'Alene

Driving recordEst. annualIncrease
Clean record$1,322—
1 speeding ticket$1,626+23%
1 at-fault accident$1,944+47%
DUI / DWI$2,499+89%

What a violation costs a 35-year-old in Coeur d'Alene, ID. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Idaho

Every driver registering a vehicle in Idaho must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Idaho Department of Insurance.

Required coverage in IdahoMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$15,000
Insurance systemAt-fault (tort)

Coverage levels compared in Coeur d'Alene

Coverage levelEst. annualEst. monthly
State minimum liability$410$34
Full coverage (100/300/100 + comp & collision)$1,322$110
Full coverage, high limits + low deductible$1,573$131

Coverage level comparison for Coeur d'Alene, ID.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Coeur d'Alene

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Coeur d'Alene covers 83814, 83815, 83816 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Coeur d'Alene, ID?
Full coverage in Coeur d'Alene is estimated at $1,322 a year ($110 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $410 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Idaho?
Idaho requires at least $25,000 bodily injury per person, $50,000 per accident and $15,000 property damage. Idaho is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Coeur d'Alene?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Coeur d'Alene for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Coeur d'Alene?
An 18-year-old in Coeur d'Alene is estimated at $3,012 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Coeur d'Alene?
A DUI takes the estimate from $1,322 to about $2,499 a year in Coeur d'Alene, an increase of roughly 89%. Idaho drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Coeur d'Alene?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

Post FallsMoscowLewistonLewiston OrchardsEagle FoothillsEagleCaldwellMeridian

Comparing more of Idaho? See every Idaho city we price or read the cheap car insurance guide for Coeur d'Alene.