Nationwide is the best homeowners insurance company in Idaho, based on a 2023 analysis by Insurance.com, with an overall rating of 4.55. State Farm is the second-best home insurance company in Idaho, with an overall rating of 4.23.
Nationwide also has the cheapest home insurance in Idaho at $1,237 a year.
With so many options out there, it is not easy to choose a homeowners insurance company in Idaho. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.
Key takeaways
- The average cost of homeowners insurance in Idaho is $1,892 a year or $158 a month.
- The cheapest homeowners insurance company in Idaho is Nationwide. It offers home insurance at an average of $1,237 a year.
- Nationwide also ranked as the best insurance company in Idaho based on rates, complaints and financial stability.
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.
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.
| 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 CALIFORNIA
AVERAGE RATE: $797
Most & least expensive zip codes for homeowners insurance in California
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 92325 | Crestline | $1,450 |
| 92391 | Twin Peaks | $1,426 |
| 92321 | Cedar Glen | $1,425 |
| 92352 | Lake Arrowhead | $1,423 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 94086 | Sunnyvale | $742 |
| 94085 | Sunnyvale | $743 |
| 94087 | Sunnyvale | $743 |
| 95051 | Santa Clara | $743 |
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 code | Average 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 code | Average annual rates |
|---|---|
| 83704 | $1,676 |
| 83642 | $1,714 |
| 83646 | $1,717 |
| 83713 | $1,719 |
| 83634 | $1,753 |
| 83705 | $1,757 |
