Average home insurance cost in Idaho

The average cost of homeowners insurance in Idaho is $1,892 a year or $158 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 for 2023 is Nationwide, followed by USAA and American Family.

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
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
NationwideA+$1,2370.754.49
USAAA++$1,7910.414.45
American FamilyA$1,2440.64.41
FarmersA$1,6860.334.26
State FarmA++$2,6221.073.54
Farm BureauA$3,3270.073.3
AllstateA+$2,0432.043.26

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$500,000$600,000
Nationwide$923$1,237$1,560$1,898$2,249
American Family$982$1,244$1,492$1,732$1,959
Farmers$1,209$1,686$2,228$2,820$3,406
USAA$1,403$1,791$2,115$2,412$2,679
Allstate$1,648$2,043$2,619$3,234$3,840
State Farm$2,096$2,622$3,134$3,744$4,265
Farm Bureau$2,303$3,327$4,321$5,295$6,254

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 Florida
$200,000
$200,000 $300,000 $400,000 $500,000 $600,000
$1000
$1,000
$100,000
$100,000 $300,000
View most and least expensive ZIP codes

Most & least expensive ZIP codes for homeowners insurance in Florida

Most expensive

ZIP CodeCityHighest Rate
32805Holden Heights$5,278
33455Hobe Sound$5,273
33150Gladeview$5,065
32806Conway$5,052

Least expensive

ZIP CodeCityLowest Rate
34234North Sarasota$1,134
32071O Brien$1,136
34994North River Shores$1,137
33544Wesley Chapel$1,140

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 $2,084.

The most expensive ZIP codes in Idaho are:

ZIP codeAverage annual rates
83539$2,084
83546$2,080
83552$2,064
83638$2,044
83847$2,029
83228$2,025

The least expensive ZIP codes in Idaho for home insurance

The cheapest ZIP codes for home insurance in Idaho are:

ZIP codeAverage annual rates
83704$1,676
83642$1,714
83646$1,717
83713$1,719
83634$1,753
83705$1,757

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

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