Coeur d'Alene, ID
Coeur d'Alene, ID car and homeowners insurance
Commute, vehicle, and housing data for Coeur d'Alene, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Census data show Coeur d'Alene drivers commuting alone at a rate of 74% and homeowners making up 59% of households. Here is what that means for auto and home coverage in a city of about 57,355.
Coeur d'Alene commuting and vehicle data
| Measure | Coeur d'Alene | Idaho |
|---|---|---|
| Drive alone to work | 74% | 73% |
| Carpool | 9% | 9% |
| Work from home | 13% | 13% |
| Commute of 45 minutes or more | 7% | 11% |
| Commute under 15 minutes | 46% | 37% |
| Households with no vehicle | 5% | 4% |
| Households with 3 or more vehicles | 23% | 33% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
About 7% of Coeur d'Alene commuters travel 45 minutes or more each way (Idaho: 11%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
Only 13% of Coeur d'Alene workers mostly work from home, below the Idaho share of 13%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
23% of Coeur d'Alene households keep three or more vehicles, and 5% have none. Multi-car households can usually save by insuring every vehicle on one policy.
The Coeur d'Alene homeowners picture
The median owner-occupied home in Coeur d'Alene is valued at $483,500, and half of the city's homes were built before 1994. The Idaho median value is $418,600. Your dwelling limit should match rebuild cost, which can differ from market value.
NAIC data for 2023 show Idaho HO-3 policyholders with $450,000–$499,999 of dwelling coverage paying an average of $1,185; the all-amounts state average was $1,135.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Coeur d'Alene drivers
Drivers in Coeur d'Alene must carry Idaho's minimum of 25/50/15 in liability coverage (none beyond liability). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
One insurer or two for a Coeur d'Alene household
Most Coeur d'Alene homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
Local risks for Coeur d'Alene cars and homes
Around Coeur d'Alene, two exposures stand out: heavy snow and deer and elk collisions on rural roads. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
See FEMA's National Risk Index for local hazard scores.
Neighboring cities and Coeur d'Alene
Post Falls shows 13% working from home and a median home value of $477,400. Boise shows 18% working from home and a median home value of $484,800. Meridian shows 19% working from home and a median home value of $531,600. For share of 45-minute-plus commutes, Coeur d'Alene is 8th of 15 Idaho cities on this site.
Coeur d'Alene quote checklist
- Everyone in the household who drives
- Vehicle year, make, model, and VIN
- Mortgage company for the home
- Your existing policies and renewal dates
- Target limits and deductibles
- Annual mileage for each car
Coeur d'Alene auto and home insurance FAQ
What auto insurance is required in Coeur d'Alene?
Idaho requires liability of 25/50/15; none beyond liability.
Do Coeur d'Alene drivers have long commutes?
About 7% of Coeur d'Alene workers commute 45 minutes or more and 46% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Coeur d'Alene?
There is no single price. As context, Idaho HO-3 policies averaged $1,135 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research