- Average home insurance cost in Idaho
- Best home insurance companies in Idaho
- Cheapest home insurance companies in Idaho
- Idaho home insurance rates by ZIP code
- Idaho homeowners insurance rates by county
- Compare homeowners insurance rates by city in Idaho
- Methodology
- Compare Idaho homeowners insurance rates with other states
Average home insurance cost in Idaho
The average cost of homeowners insurance in Idaho is $2,240 a year or $187 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 Allstate.
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.
*USAA only provides coverage to military members, veterans, and their families.
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 State Farm has the most affordable rates in every category overall.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| State Farm | $1,178 | $1,485 | $1,748 | $2,269 | $3,049 |
| Farmers | $1,556 | $2,187 | $2,920 | $4,435 | $7,158 |
| Allstate | $2,027 | $2,638 | $3,290 | $4,768 | $7,270 |
| Nationwide | $1,625 | $2,293 | $2,970 | $4,326 | $6,666 |
| American Family | $1,245 | $1,676 | $2,131 | $3,104 | $5,100 |
| Idaho Farm Bureau | $2,381 | $3,428 | $4,466 | $6,490 | $8,803 |
| USAA | $1,776 | $2,285 | $2,708 | $3,448 | $4,372 |
*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 by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
The Idaho Department of Insurance says...
Most insurance companies provide a copy of their rate filings to the Idaho Department of Insurance. Although rates are reviewed by the department, the department does not approve homeowners policy rates. However, the department does have the authority to disapprove rates that are found to be excessive, inadequate, or unfairly discriminatory.
- The Idaho Department of InsuranceThe most expensive ZIP codes in Idaho for home insurance
Idaho homeowners insurance rates are the most expensive for ZIP code 83546, with an average annual cost of $2,493.
The most expensive ZIP codes in Idaho are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Pierce | 83546 | $2,493 |
| Fenn | 83531 | $2,472 |
| Bonners Ferry | 83805 | $2,463 |
| McCall | 83638 | $2,457 |
| Malad City | 83252 | $2,441 |
The least expensive ZIP codes in Idaho for home insurance
The cheapest ZIP codes for home insurance in Idaho are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Boise City | 83708 | $1,906 |
| Boise City | 83704 | $1,945 |
| Coeur d'Alene | 83814 | $1,981 |
| Meridian | 83646 | $1,988 |
| Harrison | 83833 | $2,002 |
Idaho homeowners insurance rates by county
Home insurance rates in Idaho vary by county. Take a look at the average rates by county in Idaho below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Ada | $2,102 | $175 |
| Adams | $2,390 | $199 |
| Bannock | $2,223 | $185 |
| Bear Lake | $2,280 | $190 |
| Benewah | $2,229 | $186 |
| Bingham | $2,308 | $192 |
| Blaine | $2,253 | $188 |
| Boise | $2,371 | $198 |
| Bonner | $2,304 | $192 |
| Bonneville | $2,235 | $186 |
| Boundary | $2,413 | $201 |
| Butte | $2,298 | $192 |
| Camas | $2,167 | $181 |
| Canyon | $2,230 | $186 |
| Caribou | $2,290 | $191 |
| Cassia | $2,113 | $176 |
| Clark | $2,319 | $193 |
| Clearwater | $2,323 | $194 |
| Custer | $2,178 | $182 |
| Elmore | $2,239 | $187 |
| Franklin | $2,394 | $199 |
| Fremont | $2,208 | $184 |
| Gem | $2,280 | $190 |
| Gooding | $2,183 | $182 |
| Idaho | $2,327 | $194 |
| Jefferson | $2,242 | $187 |
| Jerome | $2,209 | $184 |
| Kootenai | $2,097 | $175 |
| Latah | $2,153 | $179 |
| Lemhi | $2,260 | $188 |
| Lewis | $2,324 | $194 |
| Lincoln | $2,159 | $180 |
| Madison | $2,277 | $190 |
| Minidoka | $2,207 | $184 |
| Nez Perce | $2,114 | $176 |
| Oneida | $2,431 | $203 |
| Owyhee | $2,142 | $179 |
| Payette | $2,295 | $191 |
| Power | $2,174 | $181 |
| Shoshone | $2,225 | $185 |
| Teton | $2,208 | $184 |
| Twin Falls | $2,116 | $176 |
| Valley | $2,373 | $198 |
| Washington | $2,362 | $197 |
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.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
