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
Data updated in 2024

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

Data updated in 2024

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 updated in 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
Data updated in 2024

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
Data updated in 2024

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