Car Insurance in Coeur d'Alene

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Coeur d'Alene: A Modern City With Rich History

Located in Idaho's northwestern corner, Coeur d'Alene began as Kullyspell House trading post in the early 19th century. French fur traders nicknamed the local Schitsu'umsh people "Coeur d'Alene," which translates as "heart of an awl," because of their trading acumen. With railroad and steamboat access, the settlement grew into a thriving city.

Surrounded by natural beauty from the Couer d'Alene National Forest, the city continues to grow. The U.S. Census estimated its population at 56,733 in 2022, a 3.8% increase from 2020. Most residents work in the healthcare, hospitality, construction, retail trade and education industries.

Commuting in Coeur d'Alene

Coeur d'Alene is served by the Kootenai County Transit System, which operates three major routes. However, most do not run in the evenings and there is no Sunday service. Consequently, most residents get to their destinations by car. Drivers in the city spend an average of 18.2 minutes on the road going to work and school. 

Weather and Climate in Coeur d'Alene

Coeur d'Alene has a dry-summer continental climate. The city receives 21.4 inches of rain and 22.4 inches of snow annually. With winter temperatures ranging between 10 and 40 degrees Fahrenheit, roads can become icy and slick. 

Rain or shine, car insurance in Coeur d'Alene is a necessity. No matter what your needs or budget are, VIU by HUB can help you find personalized coverage that perfectly fits you.

Your Guide to Car Insurance in Coeur d'Alene

Idaho requires drivers to carry liability coverage. The state mandates two classes of minimum coverage limits: 

  • Bodily injury: $25,000 per person, $50,000 per accident
  • Property damage: $15,000 per accident

Bodily injury coverage pays for things like medical bills, lost wages, pain and suffering. Property damage insurance reimburses for claims involving vehicles and objects.

Uninsured and Underinsured Motorist Coverage

Uninsured and underinsured motorist insurance isn't mandated by Idaho law, but it's still wise to include them in your policy. With 12.9% of drivers on the road without coverage, you cannot afford to take a gamble. 

Both uninsured and underinsured motorist coverage handle liability claims for bodily injury and property damage. The uninsured motorist portion of a policy pays for losses if the at-fault driver has no coverage at all. By comparison, underinsured motorist coverage kicks in when the at-fault driver doesn't have enough insurance to cover your losses.

Comprehensive and Collision Coverage

Idaho also doesn't require comprehensive and collision insurance, but both can safeguard you against major losses. Comprehensive coverage handles claims from losses such as theft, vandalism, fire, hail, water damage and run-ins with animals. Collision coverage reimburses for damage to vehicles and objects involved in accidents. If you're still paying on an auto loan, the lender may require to carry these coverages. 

Auto Insurance Rates in Coeur d'Alene

Drivers in Couer d'Alene pay an average rate of $2,736 per year for full coverage and $898 for minimum coverage auto insurance. This is far more than the national annual averages of $2,014 and $622 respectively.

Individual rates depend on many variables. A vehicle's age, condition, make and model affect premiums. A driver's credit score, driving record and claims history also impact insurance costs. Underwriters also use demographic factors such as age, gender and marital status to determine rates. 

Get the Auto Coverage You Need

Find your ideal solution for car insurance in Coeur d'Alene with VIU by HUB. Get quotes from multiple insurers, compare rates, choose additional coverage and buy your policy online. 

This information is intended for general informational purposes only and is not intended to constitute legal advice.


U.S. Census


Weather Spark

Insurance Information Institute

Idaho Department of Insurance


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