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Renters insurance is an affordable way to protect your rented home or apartment from theft and damage. People often find themselves in a dilemma when it comes to choosing the best renters insurance.

To help you find the most affordable renters insurance company, we have prepared this guide for you. We have gathered quotes from major renters insurance providers across Idaho and compared the carriers based on several rating factors. Keep on reading this resource to get all the details you will need to choose the best renters insurance in Idaho.

KEY TAKEAWAYS
  • Idaho residents pay an average of $287 a year for a standard renters insurance policy, and the average monthly cost is $24.
  • Nationwide is the cheapest renters insurance company in Idaho, its average annual premium is $101.

Best renters insurance companies in Idaho

When it comes to choosing the best renters insurance company in Idaho, you want to make sure that you are comparing apples to apples. Our experts at Insurance.com have compared quotes, coverage options and J.D Power score from all the major insurers in Idaho. Below is the list of best renters insurance companies in Idaho:

  • USAA
  • State Farm
  • American Family
  • Nationwide
  • Allstate

Compare best renters insurance companies in Idaho

Comparing quotes from multiple insurance carriers is one of the ways to make sure you will get your money's worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Make sure you buy the insurance policy from a company that offers affordable renters insurance and provides consistent customer service.

To make your task easy, we have compared the carriers for Idaho residents based on their average rate and rating from J.D. Power. Among the carriers surveyed, USAA is our top pick for the best renters insurance company in Idaho. It has earned 893 scores out of 1000 from J.D Power and offers a renters insurance policy at an average annual rate of $188. Although, USAA only offers services to military members and their families.

If not USAA, your best bet can be State Farm, it has received 866 scores out of 1000 from J.D. Power and offers insurance at about $364 annually.

Find below the average cost and rating of other renters insurance companies in Idaho.

CompanyJ.D. Power scoreAverage annual rate
USAA893$188
State Farm866$364
American Family838$178
Nationwide834$122
Allstate833$210
Farmers831$282
Liberty Mutual823$939
Travelers815$308

How much is renters insurance in Idaho

Idaho residents pay an average of $287 a year for a standard renters insurance policy, and the average monthly cost is $24. That’s the state average cost for a policy with recommended coverage levels of $40,000 for personal property coverage, liability coverage of $100,000, and a deductible of $1,000.

It's important to know that the price of your renters insurance policy will likely not be the same as a neighbor who lives near you. This is because it depends on factors specific for each person; property you want to insure, extra coverage options you add, and the deductible amount you choose.

Average annual premiumAverage monthly premium
$287$24

10 Most expensive zip codes in Idaho for renters insurance

A number of factors affect your renters insurance coverage costs in Idaho including your location and the coverage you buy. The most expensive zip code in Idaho for renters insurance is 83301, its average annual rate is $300.

The following table lists the 10 most expensive zip codes in Idaho for renters insurance. We have prepared this list by analyzing quotes from major insurance companies across all the zip codes.

ZIP codeAverage annual rate
83301$300
83314$299
83311$298
83322$297
83725$290
83209$289
83623$288
83333$287
83233$286
83211$285

10 Least expensive zip codes in Idaho for renters insurance

Renters insurance rates in Idaho vary based on coverage amount, the renter’s credit history, and where they live. Based on a rate analysis by Insurance.com, the least expensive zip code for renters insurance in Idaho is 83440, and its average annual rate is $280.

Find below the list of least expensive zip codes for renters insurance along with their average annual rate.

ZIP codeAverage annual rate
83440$280
83213$281
83201$282
83202$283
83235$284
83211$285
83233$286
83333$287
83623$288
83209$289

Cheap renters insurance in Idaho by carrier

When it comes to shopping for a renters insurance policy, there are a number of options available. Among the carriers surveyed by Insurance.com, Nationwide is the cheapest renters insurance company in Idaho, its average annual premium is $101.

When you're shopping for renters insurance, know that prices can vary drastically between companies. That's why it is important to compare rates and see which company offers the best deal in order to get coverage at an affordable price.

Below is a list of the best cheap renters insurance companies in Idaho and their average annual premium.

Company nameAverage annual premium
Nationwide$101
Allstate$144
Garrison$157
USAA$169
American Family$170
Safeco$217
Farm Bureau$221
Farmers$263
Travelers$274
State Farm$356
First Liberty$852
Liberty$852

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