For a 40-year-old driver with a clean record, Coeur d’Alene car insurance averages about $148 a month ($1,770 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 3% below the Idaho average of $153 a month. Of the insurers open to all drivers, State Farm has the lowest full-coverage average in our Coeur d’Alene table, at about $101 a month.
Coeur d’Alene is priced below the Idaho average for our benchmark driver, by about $5 a month, and below most of Kootenai County.
Both Coeur d’Alene ZIP codes we price are close: 83815, on the north side, averages about $147 a month and 83814, which includes downtown and the lakefront, about $148.
Cost data comes from the auto rates insurers file with state regulators, priced across both Coeur d’Alene ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
How Much Is Car Insurance in Coeur d’Alene, ID?
Full coverage in Coeur d’Alene averages $1,770 a year, or about $148 a month, for our benchmark driver. Liability-only coverage at Idaho’s 25/50/15 minimum averages $488 a year ($41 a month), and 50/100/50 liability with comprehensive and collision averages $1,759 ($147 a month).
- Full coverage (100/300/100, $500 deductibles): $1,770 a year ($148 a month)
- 50/100/50 with $500 deductibles: $1,759 a year ($147 a month)
- Liability only (25/50/15): $488 a year ($41 a month)
- Kootenai County: $1,862 a year ($155 a month) for full coverage
- Idaho average: $1,841 a year ($153 a month) for full coverage
- ZIP code range: $147 (83815) to $148 (83814) a month for full coverage
Cheap Car Insurance in Coeur d’Alene: Companies Compared
- Lowest full-coverage average among insurers open to all drivers: State Farm, at about $101 a month ($1,216 a year). USAA, which sells only to military families, is lower still, at about $70 a month.
- Next lowest of the insurers we price: Safeco, at about $140 a month, then Farmers at $147.
- Lowest liability-only average among the insurers we price (25/50/15): State Farm, at about $27 a month, then Safeco at $32. Auto-Owners and GEICO are about the same in our table, at $27.
- Also on our list: USAA at about $70 a month, GEICO at $106, Auto-Owners at $116, Travelers at $139 and Nationwide at $140 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $195 a month, $1,126 a year more than State Farm for the same driver and car.
In our Coeur d’Alene table, State Farm has the lowest full-coverage average among insurers open to all drivers. The recent statewide Idaho rate studies we reviewed don’t agree on which insurer is cheapest for full coverage. Leaving out USAA, which sells only to military families, GEICO, State Farm and Auto-Owners each come out first in two of the eight, and American National and Travelers in one each. For liability-only coverage at 25/50/15 limits, State Farm has the lowest average among the insurers we price, at about $27 a month, followed by Safeco at $32.
Full-coverage averages by insurer in Coeur d’Alene
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/15 (Yearly): | Minimum Liability 25/50/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| State Farm | $318 | $27 | $1,216 | $101 |
| Safeco | $386 | $32 | $1,678 | $140 |
| Farmers | $672 | $56 | $1,764 | $147 |
| Idaho Farm Bureau | $400 | $33 | $1,849 | $154 |
| Allstate | $664 | $55 | $2,342 | $195 |
| USAA (military families)* | $260 | $22 | $834 | $70 |
| GEICO* | $329 | $27 | $1,271 | $106 |
| Auto-Owners* | $323 | $27 | $1,387 | $116 |
| Travelers* | $509 | $42 | $1,667 | $139 |
| Nationwide* | $870 | $73 | $1,685 | $140 |
| Coeur d’Alene average | $488 | $41 | $1,770 | $148 |
This table uses Coeur d’Alene ZIP codes only. See how we calculated these rates.
Your ZIP code matters
How Much More Does Better Coverage Cost in Coeur d’Alene?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Coeur d’Alene data: with the same $500 deductibles, full coverage averages $1,770 a year and 50/100/50 averages $1,759. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate, Farmers and Safeco charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Coeur d’Alene?
Yes, for our benchmark driver. Comparing the same insurers in the same Coeur d’Alene ZIP codes, full coverage averaged $1,730 a year in rates as of Nov. 30, 2025, and $1,770 as of Aug. 31, 2026, a 2.3% increase. Allstate raised its average 5.1%, State Farm 3.0% and Farmers 2.9%, while Idaho Farm Bureau’s and Safeco’s averages were unchanged. Liability-only coverage at 25/50/15 limits rose 7.3%, led by Farmers, which raised its liability-only average 18.5%.
What Shapes Car Insurance Costs in Coeur d’Alene
Kootenai County averages about $155 a month for full coverage, the 18th-most expensive of the 32 Idaho counties we price, and the towns north of the city pull that average up.
Hayden, just north, averages about $152 a month, Rathdrum $163, Spirit Lake $162 and Athol $169. Post Falls, to the west, is the only Kootenai County town we price that costs less than Coeur d’Alene. Where you live is one of the factors Idaho insurers use, so neighboring cities can be priced differently.
How Coeur d’Alene Car Insurance Compares With Other Idaho Cities
More Idaho cities and towns are in the Idaho rates by city table, and you can compare states on our car insurance rates by state page.
Post Falls, about eight miles west, averages $144 a month, and Lewiston, about 90 miles south, $157.
What Car Insurance Is Required in Coeur d’Alene?
Drivers in Coeur d’Alene follow Idaho’s rules. Every registered vehicle must be covered by at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $15,000 per crash
Your policy also includes uninsured and underinsured motorist coverage at the same 25/50 limits unless you reject it in writing. Our Idaho requirements guide covers how the state checks your coverage and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Coeur d’Alene
- Compare State Farm and GEICO first. They have the two lowest full-coverage averages among insurers open to all drivers in our Coeur d’Alene table, about $101 and $106 a month.
- Quote several insurers. In our Coeur d’Alene data, the lowest and highest insurer averages are about $94 a month apart for the same driver and car.
- Storing a car? Suspend coverage instead of canceling. Idaho insurers may let you suspend coverage on a stored vehicle without canceling the policy, under Idaho Code 41-2516. Report the exemption to the DMV so your registration isn’t suspended, as Idaho Code 49-1234 allows, and don’t drive the car while its liability coverage is suspended.
- Compare at every renewal. Since November 2025, Allstate has raised its average 5.1%, State Farm 3.0% and Farmers 2.9%, so the order in our table can shift.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Idaho home insurance rates.
Ready to compare
How We Calculated Coeur d’Alene Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 10 full-coverage premiums from five insurers across two Coeur d’Alene ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Idaho’s 25/50/15 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every insurer we rank and a published 2026 study we reviewed also ranks it cheapest.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Idaho rate studies, scaled to our benchmark driver. They aren’t included in our averages.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Idaho law and the Idaho Department of Insurance. We refresh these figures when new rate data is released.
Coeur d’Alene Car Insurance FAQ
For our benchmark driver, full coverage in Coeur d’Alene averages about $148 a month ($1,770 a year) and liability-only coverage about $41 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 3% below the Idaho average of $153 a month.
Of the insurers open to all drivers, State Farm has the lowest full-coverage average in our Coeur d’Alene table, at about $101 a month, followed by GEICO at $106. USAA, which sells only to military families, is lower still, at about $70 a month. For liability-only coverage, State Farm has the lowest average of the five insurers we price, at about $27 a month. Auto-Owners and GEICO are about the same in our table, at $27. The recent statewide Idaho rate studies we reviewed don’t agree on which insurer is cheapest for full coverage: leaving out USAA, GEICO, State Farm and Auto-Owners each come out first in two of the eight. Rates vary by driver, so compare quotes for your own car and ZIP code.
Post Falls, for our benchmark driver. Coeur d’Alene full coverage averages about $148 a month and Post Falls about $144, a difference of about $4 a month for the same driver and car.
Boise, for our benchmark driver. Coeur d’Alene full coverage averages about $148 a month and Boise about $136, a difference of about $12 a month for the same driver and car.
In our Coeur d’Alene data, full coverage (100/300/100 with $500 deductibles) averages about $148 a month and liability-only coverage at 25/50/15 limits about $41, a difference of about $107 a month ($1,282 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Yes, for our benchmark driver. Comparing the same insurers and ZIP codes, Coeur d’Alene full coverage rose 2.3% between November 2025 and August 2026, from about $1,730 to $1,770 a year. Allstate raised its average 5.1%, State Farm 3.0% and Farmers 2.9%. Liability-only coverage at 25/50/15 limits rose 7.3%.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
