Average home insurance cost in Idaho

The average cost of homeowners insurance in Idaho is $1,961 a year or $163 a month. This is based on coverage of:

  • $300,000 dwelling
  • $300,000 liability
  • $1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Idaho homeowners insurance companies to get the best deal.

Best home insurance companies in Idaho

The best home insurance company in Idaho is State Farm, followed by American Family and Nationwide.

Below is a full list of the top Idaho insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Idaho
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
State FarmA++0.834.39$2,226
American FamilyA0.84.02$1,398
NationwideA+1.053.92$1,328
FarmersA0.673.7$1,820
AllstateA+1.463.22$1,766

Cheapest home insurance companies in Idaho

Below are Idaho home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Nationwide has the most affordable rates in every category overall.

Cheapest home insurance rates in Idaho by coverage level
Company $200,000$300,000$400,000$600,000$1,000,000
Nationwide$983$1,328$1,680$2,429$3,771
American Family$1,025$1,398$1,790$2,622$4,357
Allstate$1,436$1,766$2,238$3,233$5,294
Farmers$1,302$1,820$2,411$3,669$6,184
USAA*$1,625$2,085$2,468$3,136$4,372
State Farm$1,781$2,226$2,660$3,618$5,346
Farm Bureau$2,088$3,017$3,919$5,671$9,049

*USAA is only available to military members and their families

Idaho home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Idaho to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator

Average home insurance rates in Texas
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data refreshed as of Apr 2024

The most expensive ZIP codes in Idaho for home insurance

Idaho homeowners insurance rates are the most expensive for ZIP code 83539, with an average annual cost of $2,187.

The most expensive ZIP codes in Idaho are:

ZIP codeAverage Annual Premium
83539$2,187
83546$2,176
83552$2,169
83531$2,145
83638$2,133
83263$2,096

The least expensive ZIP codes in Idaho for home insurance

The cheapest ZIP codes for home insurance in Idaho are:

ZIP codeAverage annual rate
83708$1,766
83704$1,773
83646$1,805
83709$1,809
83815$1,812
83642$1,826

Compare homeowners insurance rates by city in Idaho

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Idaho.

CityAnnual insurance premium
Boise City
$1,337
Caldwell
$1,362
Coeur d'Alene
$1,326
Idaho Falls
$1,415
Meridian
$1,293
Nampa
$1,345
Pocatello
$1,422
Post Falls
$1,339
Rexburg
$1,409
Twin Falls
$1,401

Compare homeowners insurance rates with other states

Alabama
$3,066/year
Alaska
$1,799/year
Arizona
$1,966/year
Arkansas
$4,073/year
Colorado
$3,388/year
Connecticut
$2,100/year
Delaware
$1,389/year
Florida
$4,218/year
Georgia
$2,163/year
Hawaii
$582/year
Illinois
$2,604/year
Indiana
$2,721/year
Iowa
$2,402/year
Kansas
$4,665/year
Kentucky
$3,163/year
Louisiana
$3,481/year
Maine
$1,407/year
Maryland
$1,630/year
Massachusetts
$1,518/year
Michigan
$2,607/year
Minnesota
$2,327/year
Mississippi
$3,398/year
Missouri
$3,349/year
Montana
$2,874/year
Nebraska
$4,624/year
Nevada
$1,457/year
New Hampshire
$1,144/year
New Jersey
$1,299/year
New Mexico
$2,542/year
New York
$1,728/year
North Carolina
$2,768/year
North Dakota
$2,946/year
Ohio
$2,017/year
Oklahoma
$4,945/year
Oregon
$1,503/year
Pennsylvania
$1,760/year
Rhode Island
$1,774/year
South Carolina
$2,727/year
South Dakota
$3,529/year
Tennessee
$2,870/year
Texas
$4,142/year
Utah
$1,421/year
Vermont
$1,175/year
Virginia
$1,999/year
Washington
$1,659/year
West Virginia
$1,801/year
Wisconsin
$1,508/year
Wyoming
$1,801/year
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