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Condo insurance isn’t required by law in Idaho, but your mortgage company likely requires it. Condo insurance is a home insurance policy that covers everything inside your condo, while the homeowners association’s insurance covers the outside of your building and common areas.

Depending on your HOA’s rules, your condo insurance may cover not only personal property, but also provides dwelling coverage known as building property coverage, for the interior of the structure. Make sure you know how much condo insurance you need before you buy condo insurance.

To find the best condo insurance in Idaho, we’ve gathered data on the top companies. Below you’ll find a list of the best condo insurance companies in Idaho with average annual rates.

Key takeaways

  • The residents of Idaho pay an average of $486 per year for condo insurance for a coverage level of $60,000 for personal property, $300,000 for liability protection with a $1,000 deductible.
  • Based on the analysis by Insurance.com, USAA is the top pick for the best condo insurance company in Idaho.
  • Allstate offers the cheapest condo insurance in Idaho at an average of $334 per year.

Best condo insurance companies in Idaho

In Idaho, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction ratings of major insurers in Idaho. Below are the best condo insurance companies in Idaho based on Insurance.com’s analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
USAA884A++
4.7
State Farm829A++
4.0
Allstate815A+
3.8
Nationwide816A+
3.7
American Family842A
3.6
Farmers792A
3.0

Average cost of condo insurance in Idaho

The average cost of condo insurance in Idaho is $486 a year or $41 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount among other factors.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

Average Annual PremiumAverage Monthly Premium
$486$41

CONDO INSURANCE CALCULATOR

Average condo insurance rates in IDAHO

$60,000
$1,000
$100,000
83422 - Driggs
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $522

HIGHEST RATE: $1,079 LOWEST RATE: $272

Most & least expensive zip codes for condo insurance in Idaho

Most Expensive

Zip CodeCityHighest Rate
83539Kooskia$609
83552Stites$609
83619Fruitland$608
83546Pierce$608

Least Expensive

Zip CodeCityLowest Rate
83455Victor$515
83422Driggs$522
83424Felt$523
83452Tetonia$523

Condo insurance rates by company in Idaho

Rates for condo insurance by company in Idaho vary. It’s important to shop around and compare quotes to find the best price. 

In the table given below, you’ll see condo insurance rates for major companies in Idaho. The cheapest company for condo insurance in Idaho is Allstate. Nationwide, and Farmers, are the second and third cheapest options.

CompanyAverage Annual Rate
Allstate$334
Nationwide$368
Farmers$440
American Family$460
USAA$464
State Farm$475
Farm Bureau$928

Methodology

Insurance.com compared condo insurance rates provided by Quadrant Data Solutions in 2022 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2023.

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