Best and cheapest renters insurance in Idaho

Best renters insurance companies in Idaho

When choosing the best renters insurance company in Idaho, make sure you’re comparing on more than just price. We’ve compared quotes, coverage options and J.D. Power scores from all the major insurers in Idaho. Below is our list of best renters insurance companies in Idaho based on that analysis, with our score out of five. Note that USAA only offers coverage to military families.

Company	Average rating(out of 5)
American Family	4
Nationwide	3.5
USAA	3.5
Farmers	3
State Farm	2.5

Compare the best renters insurance companies in Idaho

Comparing quotes from multiple insurance carriers is one way to ensure 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. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for Idaho residents based on their average rates and ratings from J.D. Power. Among the carriers surveyed, American Family is the best renters insurance company in Idaho. It earned 856 out of 1000 from J.D. Power and has an average renters insurance rate of $163.

The table below offers a detailed comparison of renters insurance companies in Idaho.

Company	J.D. Power Score	Average Annual Premium	AM Best Ratings
American Family	856	$163	A
Nationwide	852	$173	A+
USAA	894	$101	A++
Farmers	842	$200	A
State Farm	844	$281	A++

How much is renters insurance in Idaho

Idaho residents pay an average of $174 a year for renters insurance, and the average monthly cost is $15. That’s for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance will not be the same as a neighbor’s price because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

“The number one thing that’s most important is to get good liability. A renter’s policy will default to $100,000 liability,” Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. “It costs next to nothing to go from $100,000 to $500,000. I want to say it’s probably 10 bucks a year. It’s really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that’s, at its core, what insurance is all about: the worst-case scenario.”

Average Annual Premium	Average Monthly Premium
$174	$15

Most expensive ZIP codes in Idaho for renters insurance

Several factors affect your renters insurance coverage cost in Idaho, including your location and the coverage you buy. The most expensive ZIP code in Idaho for renters insurance is 83301, where the average annual rate is $187 which is $13 more than the state average insurance premium.

The following table lists the most expensive ZIP codes in Idaho for renters insurance.

ZIP code	Average Annual Rate
83301	$187
83316	$186
83661	$185
83334	$184
83321	$183
83801	$182
83346	$180
83853	$179
83337	$178
83543	$177

Least expensive ZIP codes in Idaho for renters insurance

Renters insurance rates in Idaho are cheaper in some areas. Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in Idaho is 83422, and its average annual rate is $164.

Below, you’ll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

ZIP code	Average Annual Rate
83422	$164
83424	$165
83213	$166
83448	$168
83423	$169
83442	$170
83220	$171
83204	$172
83402	$173
83252	$174

Compare renters insurance rates by city in Idaho

Renters 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 renters insurance for your specific city in Idaho.

City	Annual insurance premium
Boise City	$172
Caldwell	$180
Coeur d'Alene	$174
Idaho Falls	$172
Meridian	$171
Nampa	$179
Pocatello	$174
Post Falls	$174
Rexburg	$168
Twin Falls	$187

Cheap renters insurance in Idaho by company

There are a lot of companies offering renters insurance in Idaho. Among the carriers surveyed by Insurance.com, USAA is the cheapest renters insurance company in Idaho; its average annual premium is $101.

Renters insurance prices can vary drastically between companies. That’s why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the best cheap renters insurance companies in Idaho and their average annual premiums.

Company Name	Average Annual Premium
USAA	$101
American Family	$163
Nationwide	$173
Farmers	$200
State Farm	$281
Farm Bureau	$324

Methodology

Insurance.com compared renters insurance rates in 2022 provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. Content was updated in 2023.