{"id":34404,"date":"2021-12-23T09:40:05","date_gmt":"2021-12-23T17:40:05","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=34404"},"modified":"2023-09-21T15:10:48","modified_gmt":"2023-09-21T22:10:48","slug":"coeur-dalene","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/idaho\/coeur-dalene\/","title":{"rendered":"Car Insurance in Coeur d&#8217;Alene"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61ba6746a641e\">\n    <div class=\"o-wrapper \">\n        \n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Coeur d\u2019Alene started as a small mining town where prospectors came with hopes of striking it rich on gold and silver. Today this city located in northern <a href=\"https:\/\/www.freeway.com\/auto-insurance\/idaho\/\">Idaho<\/a> is a draw for tourists looking to golf, ski, hike, and enjoy the fresh mountain air.<\/p>\n<p>Often referred to as \u201cLake City\u201d or simply \u201cCDA,\u201d Coeur d\u2019Alene is the largest city in North Idaho with over 53,300 people calling it home. The sheer beauty of this region has drawn many people from other states to relocate to this \u201cCity with a Heart\u201d that is situated between Lake Coeur d\u2019Alene and the Coeur d\u2019Alene Mountains.<\/p>\n<p>Whether you live in Coeur d\u2019Alene or are just visiting, you want to ensure you have adequate <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">car insurance<\/a> coverage if you plan to drive in the area.<\/p>\n<h3 style=\"text-align: left;\">Quick Facts<\/h3>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>The average cost of insurance in Coeur d\u2019Alene is $32 per month for the basic state-required minimum.*<\/li>\n<li>In 2019, there were two fatal crashes, 232 injury crashes and 884 total crashes in Coeur d\u2019Alene.<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_61ba681ba641f\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">How Much Does Car Insurance Cost in Coeur d&#8217;Alene, Idaho?<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>Car insurance in Coeur d\u2019Alene is very affordable. Drivers pay an average of $1,212 per year for full coverage car insurance. That\u2019s on par with the state average of $1,045 and less than the national average of $1,674. For the minimum state-required car insurance, Coeur d\u2019Alene drivers will pay an average of $384 per year, while the state average is $307 and the national average cost is $564.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>City<\/th>\n                                                                                            <th>Average Annual Full Coverage \nCar Insurance Cost<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Boise<\/td>\n                                                                                            <td>$1,164<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Idaho Falls<\/td>\n                                                                                            <td>$1,296<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Eagle<\/td>\n                                                                                            <td>$1,224<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Burley<\/td>\n                                                                                            <td>$1,248<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_61ba6918a6420\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">Coeur d&#8217;Alene Car Low Cost Insurance Rates by Zip Code<\/h3>\n<p>There are two different zip codes in Coeur d\u2019Alene, and the difference in cost for car insurance between the two zip codes is only a few dollars. Drivers in zip code 83815 pay about $1,224 per year for car insurance, while those in zip code 83814 pay about $1,248 per year. For the state-required minimum, drivers in both 83815 and 83814 pay an average of $384 annually.<\/p>\n<h3 style=\"text-align: left;\">Coeur d&#8217;Alene Car Affordable Insurance Rates by Age<\/h3>\n<p>Besides where you live, your age also has a big impact on what you pay for car insurance in Coeur d\u2019Alene. Age groups that have a higher risk of getting into an accident, such as teens and seniors over age 70, will have to pay higher premiums than drivers in their 50s and 60s. In the table below, we are showing full coverage options\/minimum requirements.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Age<\/th>\n                                                                                            <th>Average annual rate for car insurance<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Teenagers<\/td>\n                                                                                            <td>$6,336\/$2,172<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>20s<\/td>\n                                                                                            <td>$2,760\/$924<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>30s<\/td>\n                                                                                            <td>$1,212\/$384<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>40s<\/td>\n                                                                                            <td>$1,164\/$372<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>50s<\/td>\n                                                                                            <td>$1,068\/$348<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>60s<\/td>\n                                                                                            <td>$1,020\/$336<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>70+<\/td>\n                                                                                            <td>$1,140\/$384<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                            <div class=\"c-state-table__text\">\n                    \n\n                            <p><p>*<em><u>Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.<\/u><\/em><\/p>\n<\/p>\n\n                                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61ba69d6a6422\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Driving Conditions in Coeur d&#8217;Alene<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">How Many Fatal Accidents Happen in Coeur d&#8217;Alene?<\/h3>\n<p>Of the 884 car accidents in Coeur d\u2019Alene in 2019, only two resulted in fatalities. One of the area\u2019s most dangerous roadways is U.S. Highway 95, a 538-mile stretch of highway that goes through Idaho from Oregon to the Canadian border.<\/p>\n<h3 style=\"text-align: left;\">How Are the Road Infrastructure and Bridges in Coeur d&#8217;Alene?<\/h3>\n<p>The city\u2019s Street Department manages over 250 miles of roads in Coeur d\u2019Alene. The city has 59 bridges, most of which were built in the 1960s.<\/p>\n<p>The <a href=\"https:\/\/infrastructurereportcard.org\/state-item\/idaho\/\" target=\"_blank\" rel=\"noopener\">American Society of Civil Engineers<\/a> (ASCE) gives Idaho a C- on its roadways and a D for its bridges, many of which are older than 50 years.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote \">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                            <div class=\"c-quick-small__icon\">\n                <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-auto\"><\/use><\/svg><\/span>\n                <\/div>\n                <h2 class=\"c-quick-small__title\">Get a Quote for Car Insurance in Idaho Today!<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form ajax-quote-form-new\" action=\"https:\/\/www.freeway.com\/\/submit-quote\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Zip Code<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote only-numbers\" type=\"tel\"  name=\"zipcode\" id=\"zipcodeQuickQuote\" maxlength=\"5\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" value=\"A\" name=\"type_insurance\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--orange c-button--text-big\" type=\"submit\">Start Quote<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61ba6a0da6423\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Minimum Car Insurance Requirements in Coeur d&#8217;Alene<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>In Idaho, drivers are required to carry liability coverage. The state\u2019s mandatory car insurance requirements follow the 25\/50\/15 rule, which is:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>$25,000\/$50,000 Bodily Injury Liability per person\/accident<\/li>\n<li>$15,000 for Property Damage Liability<\/li>\n<\/ul>\n<p>Insurance carriers are also required by state law to offer uninsured and underinsured motorist coverage. Although you can reject this coverage, you might want to consider keeping it because about 13% of drivers in Idaho are <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists#Estimated%20Percentage%20Of%20Uninsured%20Motorists%20By%20State,%202019%20(1)\" target=\"_blank\" rel=\"noopener\">uninsured<\/a>.<\/p>\n<p>Medical bills from an injury suffered in a car accident can easily exceed $25,000, so the minimum insurance coverage may not be sufficient. Also, the required liability insurance only covers other people involved in an accident, not you. To ensure your medical bills and property damage will be paid for, you should consider adding collision and comprehensive coverage to your policy.<\/p>\n                <\/div>\n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61ba6a3ba6424\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Factors Allowed in Coeur d&#8217;Alene Car Insurance Rates<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Many different factors can impact your costs for car insurance in Coeur d\u2019Alene. For example, if you are driving a brand-new BMW, then your insurance will be higher than someone driving an older Subaru, because the replacement costs will be quite different.<\/p>\n<p>Other factors that can affect your car insurance rates in Coeur d\u2019Alene are:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Age<\/li>\n<li>Gender<\/li>\n<li>Driving record<\/li>\n<li>Zip code<\/li>\n<li>Marital status<\/li>\n<li>Education<\/li>\n<li>Occupation<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section id=\"list-icons-block_61ba6a62a6425\" class=\"c-section c-section--bottom-0-spacing\">\n    <div class=\"o-wrapper  \">\n                                    <h2 class=\"c-section__title\">Discounts for Car Insurance in Coeur d&#8217;Alene<\/h2>\n                            <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>Even though car insurance premiums in Coeur d\u2019Alene are pretty low, you can save even more money if your insurance carrier offers certain <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/11-money-saving-tips-lower-auto-insurance-premiums\/\">discounts<\/a> on your car insurance. For example, many insurance companies offer discounts if you purchase or bundle multiple policies such as your car and homeowners\u2019 insurance. A Good Driver Discount rewards drivers with lower premiums if they haven\u2019t had any moving violations or accidents within the last three years.<\/p>\n<p>Other discounts that could be available to Coeur d\u2019Alene residents include:<\/p>\n                <\/div>\n            \n                            <div class=\"c-quick-facts\">\n                    <div class=\"c-quick-facts__list\">\n                                                <div class=\"c-quick-facts__item\">\n                            <img decoding=\"async\" class=\"c-quick-facts__image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/military.svg\" alt=\"Green icon of a military man\">\n                            <div class=\"c-quick-facts__content\">\n                                <p class=\"c-quick-facts__text\">Military Service \u2013 Have you served in a branch of the Armed Forces?<\/p>\n                            <\/div>\n                        <\/div>\n                                                <div class=\"c-quick-facts__item\">\n                            <img decoding=\"async\" class=\"c-quick-facts__image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/good-driver.svg\" alt=\"Blue icon of a blue car\">\n                            <div class=\"c-quick-facts__content\">\n                                <p class=\"c-quick-facts__text\">Vehicle Safety Discount &#8211; You could be eligible for a discount if your car has certain vehicle safety equipment such as anti-lock brakes, airbags, and anti-theft devices.<\/p>\n                            <\/div>\n                        <\/div>\n                                                <div class=\"c-quick-facts__item\">\n                            <img decoding=\"async\" class=\"c-quick-facts__image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/student.svg\" alt=\"Blue icon of a graduation cap\">\n                            <div class=\"c-quick-facts__content\">\n                                <p class=\"c-quick-facts__text\">Good Student Discounts &#8211; These discounts are given to young drivers who maintain a \u201cB\u201d average or higher in school.<\/p>\n                            <\/div>\n                        <\/div>\n                                                <div class=\"c-quick-facts__item\">\n                            <img decoding=\"async\" class=\"c-quick-facts__image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/10\/driver-2.svg\" alt=\"Graphic of a man driving a car\">\n                            <div class=\"c-quick-facts__content\">\n                                <p class=\"c-quick-facts__text\">Defensive Driver Discount &#8211; Drivers may qualify for a discount on their car insurance if they complete a defensive driving course. <\/p>\n                            <\/div>\n                        <\/div>\n                                            <\/div>\n                <\/div>\n                        \n                            <div class=\"s-cms-content\">\n                    <p>Be sure and check in with your insurance agent on a regular basis for possible discounts. If your circumstances change, your eligibility for discounts may increase.<\/p>\n                <\/div>\n            \n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_61ba6b04a642a\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are the Penalties for Driving Without Insurance in Coeur d&#8217;Alene?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>The state of Idaho has an Online Insurance Verification System that law enforcement officers can use to check if you have at least the minimum car insurance coverage required by law. If you don\u2019t, you could face fines, imprisonment, and the suspension of your driver\u2019s license. Although the first offense may seem like a slap on the wrist, if you\u2019re caught without insurance a second or third time, the fine is up to $1,000, and you could be sent to jail for up to six months.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_61ba6b25a642b\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block  \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get a Quote for Cheap Car Insurance in Coeur d&#8217;Alene Today!\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/12\/Coeur-dAlene.jpg\" alt=\"Coeur d\u2019Alene beach with mountains in the background\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p>With the low cost of car insurance premiums in Coeur d\u2019Alene, it\u2019s a good idea to explore all of your available options with a Freeway Insurance agent.<\/p>\n<p>Get started with a quote <a href=\"#modal-turbo\">online<\/a>, visit us at one of our <a href=\"https:\/\/locations.freeway.com\/?search=Coeur+d&#039;Alene&#038;latitude=&#038;longitude=&#038;radio=100&#038;time=open-any\" target=\"_blank\" rel=\"noopener\">locations<\/a> or call us at <a href=\"tel:800-777-5620\">(800) 777-5620<\/a> for a quote.<\/p>\n                <\/div>\n                                    <div class=\"c-sections__list-column\">\n                                            <\/div>\n                                                                                <\/div>\n                            <div class=\"c-media-block__button\">\n                    <a class=\"c-button c-button--orange c-button--text-bing\" href=\"#modal-turbo\"  target=\"_self\"  >\n                                                                            Get Started                                        <\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":25426,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/34404"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=34404"}],"version-history":[{"count":10,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/34404\/revisions"}],"predecessor-version":[{"id":45706,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/34404\/revisions\/45706"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/25426"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=34404"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}