- Compact models like the Kia Soul, Toyota Corolla Cross, and Buick Envision are our top picks for having cheap car insurance in Coeur d’Alene.
- Coeur d’Alene car insurance costs an average of $1,390 per year, or about $116 per month.
- Monthly car insurance rates for a few popular models include the Tesla Model 3 at $136, Jeep Cherokee at $125, and Ram Truck at $134.
Top 50 cheapest cars to insure
When all models are compared, the vehicles with the cheapest auto insurance prices in Coeur dAlene, ID, tend to be compact SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks.
Average auto insurance rates for vehicles ranking in the top 10 cost $1,138 or less per year ($95 per month) for a policy with full coverage.
Examples of other models that rank well in the cost comparison table are the Honda CR-V, Nissan Murano, Volkswagen Taos, and Ford Bronco Sport.
Average car insurance rates are a little higher for those models than the cheapest compact SUVs and crossovers that rank at the top, but they still have an average insurance cost of $1,190 or less per year.
The following table breaks down the cheapest vehicles to insure in Coeur d’Alene, sorted by average cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $996 | $83 |
| 2 | Chevrolet Trailblazer | $1,018 | $85 |
| 3 | Kia Soul | $1,054 | $88 |
| 4 | Nissan Kicks | $1,064 | $89 |
| 5 | Honda Passport | $1,076 | $90 |
| 6 | Buick Envision | $1,080 | $90 |
| 7 | Toyota Corolla Cross | $1,090 | $91 |
| 8 | Mazda CX-5 | $1,100 | $92 |
| 9 | Hyundai Venue | $1,102 | $92 |
| 10 | Ford Bronco Sport | $1,106 | $92 |
| 11 | Volkswagen Tiguan | $1,116 | $93 |
| 12 | Acura RDX | $1,128 | $94 |
| 13 | Nissan Murano | $1,134 | $95 |
| 14 | Buick Encore | $1,146 | $96 |
| 15 | Subaru Outback | $1,150 | $96 |
| 16 | Honda CR-V | $1,152 | $96 |
| 17 | Chevrolet Colorado | $1,154 | $96 |
| 18 | Buick Envista | $1,156 | $96 |
| 19 | Volkswagen Taos | $1,156 | $96 |
| 20 | Kia Niro | $1,158 | $97 |
| 21 | Toyota GR Corolla | $1,172 | $98 |
| 22 | Honda HR-V | $1,174 | $98 |
| 23 | Subaru Ascent | $1,174 | $98 |
| 24 | Nissan Leaf | $1,182 | $99 |
| 25 | Lexus NX 250 | $1,194 | $100 |
| 26 | Honda Civic | $1,196 | $100 |
| 27 | Volkswagen Atlas | $1,196 | $100 |
| 28 | Volkswagen Atlas Cross Sport | $1,200 | $100 |
| 29 | Acura Integra | $1,202 | $100 |
| 30 | Subaru Forester | $1,202 | $100 |
| 31 | Kia Seltos | $1,206 | $101 |
| 32 | GMC Terrain | $1,208 | $101 |
| 33 | Nissan Rogue | $1,212 | $101 |
| 34 | Hyundai Kona | $1,214 | $101 |
| 35 | Mazda CX-30 | $1,216 | $101 |
| 36 | Cadillac XT4 | $1,218 | $102 |
| 37 | Volkswagen ID4 | $1,224 | $102 |
| 38 | Ford Explorer | $1,226 | $102 |
| 39 | Toyota Highlander | $1,228 | $102 |
| 40 | Ford Escape | $1,230 | $103 |
| 41 | Toyota Venza | $1,230 | $103 |
| 42 | Honda Odyssey | $1,234 | $103 |
| 43 | Hyundai Ioniq 6 | $1,238 | $103 |
| 44 | Nissan Sentra | $1,240 | $103 |
| 45 | Subaru Impreza | $1,240 | $103 |
| 46 | Chevrolet Equinox | $1,244 | $104 |
| 47 | Toyota RAV4 | $1,244 | $104 |
| 48 | Mazda MX-5 Miata | $1,248 | $104 |
| 49 | Mazda MX-30 | $1,254 | $105 |
| 50 | Hyundai Tucson | $1,256 | $105 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Coeur dAlene, ID Zip Codes. Updated February 23, 2024
Some additional models worth noting ranking in the top 50 above include the Hyundai Tucson, the Nissan Sentra, the Mazda MX-30, and the Nissan Rogue. Average rates for those vehicles cost between $1,190 and $1,294 per year in Coeur d’Alene.
To put the rates for the cheapest vehicles in perspective, some examples of insurance that is considerably higher include the Jeep Grand Wagoneer at an average of $1,614 per year, the Subaru BRZ which costs $1,662, and the Lexus LX 570 which costs $1,962.
How much does car insurance cost in Coeur d’Alene?
Average car insurance rates in Coeur d’Alene cost $1,390 per year, or about $116 per month. When compared to the national average rate, Coeur d’Alene car insurance cost is 30.1% cheaper per year.
In the state of Idaho, the average car insurance cost is $1,406 per year, so the cost in Coeur d’Alene averages $16 less per year. The cost of car insurance in Coeur d’Alene compared to other Idaho cities is about $54 per year more expensive than in Boise, $8 per year cheaper than in Caldwell, and $60 per year more than in Meridian.
The next chart shows additional data for the 20 to 60-year-old age groups by showing a range of rates for an assortment of driver ages, deductibles, and risk profiles.
Average rates in the prior chart range from $1,156 per year for a 40-year-old driver that qualifies for many policy discounts to $3,196 per year for a 20-year-old driver with a poor driving record or too many at-fault accidents. The overall average rate we use for comparing different segments, models or locations is the 40-year-old safe driver rate, which has an average cost of $1,390 per year.
As a monthly rate, average car insurance cost in Coeur d’Alene ranges from $96 to $266 for the same deductible limits and driver ages shown in the prior chart.
Driver age is one of the largest influencers on the price of auto insurance, so the list below illustrates these differences by showing the difference in average car insurance rates in Coeur d’Alene based on the age of the driver.
Coeur d’Alene, ID, car insurance cost by driver age
- 16-year-old driver – $4,945 per year or $412 per month
- 17-year-old driver – $4,793 per year or $399 per month
- 18-year-old driver – $4,296 per year or $358 per month
- 19-year-old driver – $3,913 per year or $326 per month
- 20-year-old driver – $2,794 per year or $233 per month
- 30-year-old driver – $1,482 per year or $124 per month
- 40-year-old driver – $1,390 per year or $116 per month
- 50-year-old driver – $1,230 per year or $103 per month
- 60-year-old driver – $1,152 per year or $96 per month
The rates above for insuring teen drivers age 16 to 19 assumed the driver was male. The next chart gets more specific and illustrates average car insurance rates for teenagers by gender. Teenage females tend to have cheaper auto insurance rates than their male counterparts.
Car insurance for a 16-year-old female driver in Coeur d’Alene costs an average of $323 less per year than the cost to insure a male driver, while at age 19, the cost difference is smaller but females still pay an average of $604 less per year.
The next section of this article further discusses the average price of car insurance in Coeur d’Alene for each vehicle segment. These rates will provide a good understanding of the automotive segments that have the most affordable Coeur d’Alene auto insurance rates.
Cheapest auto insurance rates by segment
If a different vehicle is in your future, it’s good to know which styles of vehicles have better car insurance rates in Coeur d’Alene.
To illustrate this, many people wonder if midsize SUVs are cheaper to insure than full-size SUVs or if sports cars have more affordable insurance than luxury cars.
The chart below displays average car insurance cost by vehicle segment in Coeur d’Alene. As a general rule, compact SUVs, vans, and midsize pickups tend to have the cheapest average rates, with sports cars and performance luxury models having the highest average insurance cost.
Rates by segment are practical for blanket comparisons, but rates range quite a lot within each segment displayed above.
For example, in the midsize luxury SUV segment, average Coeur d’Alene insurance rates range from the Jaguar E-Pace at $1,300 per year for a full coverage policy to the Mercedes-Benz AMG GLE63 at $2,342 per year. Also, in the small SUV segment, average rates vary from the Subaru Crosstrek costing $1,028 per year up to the Ford Mustang Mach-E at $1,624 per year, a difference of $596 just for that segment.
Average rates for popular cars, pickups, and SUVs
The rates mentioned previously are an average for all 2024 vehicle models, which is suitable when making broad comparisons such as the cost for different driver ages or locations. Average auto insurance rates are a good metric when answering questions like “is car insurance in Coeur d’Alene cheaper than Idaho Falls?” or “are Idaho car insurance rates cheaper than in Illinois?”.
But for more comprehensive price comparisons, the data will be more precise if we instead look at the specific vehicle being insured. Each individual vehicle model has it’s own exposure profile for determining the cost of auto insurance and this data enables us to make detailed insurance cost comparisons.
The following chart displays insurance rates for the more popular models that you will find driving around Coeur d’Alene.
The most popular models in Coeur d’Alene tend to be small or midsize sedans like the Nissan Sentra, Hyundai Elantra, and Kia K5 and small or midsize SUVs like the Honda CR-V, Chevy Equinox, and Ford Explorer.
A few additional popular vehicles in Coeur d’Alene, Idaho, from different automotive segments include luxury SUVs like the Lexus RX 350 and BMW X5, luxury cars like the Acura ILX and Infiniti Q50, and pickup trucks like the Chevy Silverado and Toyota Tacoma.
When this list of popular models is compared to the prior table that ranked the top 50 vehicles with the cheapest insurance, the large majority of popular models did not make the list.
Expensive premiums could be due to buying a pricey vehicle, like a BMW M5 which has an average cost of $109,900 or a BMW X7 with an average price of $81,900, or maybe the cause is an increased chance of medical or liability insurance claims like a Chevrolet Silverado 2500 pickup or a Toyota Corolla.
To reinforce the concept that auto insurance prices can fluctuate substantially from one person to the next, the sections below contain comprehensive rates for four popular vehicles in Coeur d’Alene: the Ford F150, Honda CR-V, Toyota Highlander, and Honda Accord.
Each chart shows average rates for different driver profiles to illustrate the cost difference when changes are made to the rated driver.
Ford F150 insurance rates
The average cost of Ford F150 insurance in Coeur d’Alene is $1,554 per year. With a purchase price ranging from $46,195 to $100,090, average insurance quotes for a 2024 Ford F150 range from $1,306 per year for the Ford F150 XL Super Cab 4WD model up to $1,804 per year for the Ford F150 Lightning Platinum Black Special Edition trim.
When Coeur d’Alene car insurance quotes on a Ford F150 are compared with the cost averaged for the entire U.S. for the same vehicle, rates are anywhere from $478 to $666 less per year in Coeur d’Alene, depending on the specific model being insured.
On a monthly basis, full-coverage insurance for a Ford F150 for the average driver can range from $109 to $150 per month, depending on exactly where you live in Coeur d’Alene.
The next rate chart should help you understand how car insurance rates on a Ford F150 can be quite different for a number of different driver ages and policy risk profiles.
The Ford F150 is a full-size truck, and other popular models include the Toyota Tundra, Nissan Titan, GMC Sierra, and Ram Truck.
Honda CR-V insurance rates
Average Honda CR-V insurance cost in Coeur d’Alene costs from $1,122 up to $1,250 per year. The most affordable car insurance quotes are on the $29,500 Honda CR-V LX trim, while the trim with the highest rates is the $39,850 Honda CR-V Sport Touring Hybrid AWD.
When Coeur d’Alene auto insurance rates for the Honda CR-V are compared with the average cost for the entire U.S. for the same vehicle, the cost is anywhere from $412 to $456 less per year in Coeur d’Alene, depending on which model is insured.
On a monthly basis, auto insurance rates on the Honda CR-V for a middle-age safe driver can cost from $94 to $104 per month, depending on where you live in Coeur d’Alene.
The bar chart below may help you understand how the cost of insurance for a Honda CR-V can be very different based on driver age, policy physical damage deductibles, and risk scenarios.
The Honda CR-V is classified as a compact SUV, and other similar models from the same segment include the Ford Escape, Chevrolet Equinox, Subaru Forester, and Toyota RAV4.
Toyota Highlander insurance rates
Average Toyota Highlander insurance cost in Coeur d’Alene costs from $1,164 up to $1,370 per year. The lowest-cost insurance rates are on the $37,625 Toyota Highlander LE 2WD trim level, while the most expensive to insure is the $43,825 Toyota Highlander Hybrid XLE AWD trim level.
As a cost per month, full-coverage insurance for the Toyota Highlander can range from $97 to $114 per month, depending on exact policy limits and your Zip Code in Coeur d’Alene.
The rate chart below demonstrates how the cost of insurance for a Toyota Highlander can range considerably based on a number of different driver ages and possible risk profiles.
The Toyota Highlander is part of the midsize SUV segment, and other models popular in Coeur d’Alene include the Ford Explorer, Kia Sorento, and Jeep Grand Cherokee.
Honda Accord insurance rates
The average price paid for Honda Accord insurance in Coeur d’Alene is $1,344 per year. With a purchase price ranging from $34,190 to $27,895, average insurance rates on a Honda Accord range from $1,294 per year on the Honda Accord EX-L Hybrid model up to $1,376 per year for the Honda Accord LX trim.
When Coeur d’Alene car insurance rates for the Honda Accord are compared to the overall national average cost on the same model, the cost is $474 to $502 less per year in Coeur d’Alene, depending on the exact trim being insured.
From a cost per month standpoint, full-coverage car insurance on the Honda Accord for a safe driver can range from $108 to $115 per month, depending on exactly where you live in Coeur d’Alene.
The rate chart below shows how the cost to insure a Honda Accord can be significantly different based on different driver ages and common policy situations. For our example drivers, cost ranges from $1,114 to $3,084 per year, which is a difference of $1,970.
The Honda Accord belongs to the midsize car segment, and additional similar models from the same segment include the Kia K5, Chevrolet Malibu, Nissan Altima, and Hyundai Sonata.