Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Idaho Average homeowners insurance cost in Idaho Homeowners insurance in Idaho costs $1,950 per year or $163 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.On average, Idaho homeowners insurance costs $1,950 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in Idaho. Key Takeaways Homeowners insurance costs an average of $1,950 a year, based on Insure.com analysis.Of all the ZIP codes in Idaho, 83708 has the most affordable home insurance rates at around $1,756 annually.In Idaho, Nationwide provides the most affordable home insurance at an average annual premium of $1,313. Average home insurance cost in Idaho by coverage levelIn Idaho, the annual homeowners insurance cost is $1,950, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $2,438 in Idaho, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in Idaho based on dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible$1,466 $122 $200,000 with $1,000 Deductible and $300,000 Liability and None Deductible$1,476 $123 $300,000 with $1,000 Deductible and $100,000 Liability and None Deductible$1,950 $163 $300,000 with $1,000 Deductible and $300,000 Liability and None Deductible$1,961 $163 $400,000 with $1,000 Deductible and $100,000 Liability and None Deductible$2,438 $203 $400,000 with $1,000 Deductible and $300,000 Liability and None Deductible$2,449 $204 $600,000 with $1,000 Deductible and $100,000 Liability and None Deductible$3,415 $285 $600,000 with $1,000 Deductible and $300,000 Liability and None Deductible$3,427 $286 $1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible$5,308 $442 $1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible$5,321 $443 In Idaho, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history, credit history and coverage limit all affect your premium.If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in IdahoIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in Idaho using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in Idaho. Based on the analysis, American Family received the lowest NAIC score and A rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreAmerican Family$1,384A0.375Farmers$1,802A0.544.8Nationwide$1,313A+0.874.39Idaho Farm Bureau$3,017A04.19Allstate$1,727A+0.94.01State Farm$2,217A++0.953.61Average homeowners insurance cost by company in IdahoNationwide provides the most affordable homeowners insurance in Idaho, with an average annual premium of $1,313. American Family and Allstate also offer cheap home insurance rates.Shopping around for homeowners insurance can help you save hundreds of dollars annually.Here are the average annual and monthly insurance rates for homeowners in Idaho with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.Company Average annual rate Average monthly rateNationwide$1,313$109American Family$1,384$115Allstate$1,727$144Farmers$1,802$150State Farm$2,217$185Idaho Farm Bureau$3,017$251USAA$2,085$174Idaho homeowners insurance rates by ZIP codeInsurance companies in Idaho assess the risk associated with a specific location. ZIP codes prone to higher crime rates or frequent natural disasters are often classified as high-risk areas, which can lead to increased insurance premiums. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a homeowners insurance policy.Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in Idaho. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in IdahoNot every area in Idaho has the same home insurance cost. How much you pay for homeowners insurance in Idaho depends on many factors, including your ZIP code. Our data shows that 83708 ZIP has low-cost home insurance rates in Idaho, at about $1,756 a year or $146 monthly.Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Idaho.ZIP codeAverage annual rateAverage monthly rate83708$1,756$14683704$1,762$14783646$1,795$15083709$1,798$15083815$1,801$15083642$1,816$15183843$1,817$15183814$1,823$15283872$1,830$15383810$1,831$153Most expensive ZIP codes for home insurance rates in IdahoIn Idaho, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.Homeowners in 83539 ZIP pay the highest insurance rates in Idaho, with an average annual premium of $2,176.Below is a list of some of the most expensive ZIP codes in Idaho for homeowners insurance.ZIP codeAverage annual rateAverage monthly rate83539$2,176$18183546$2,165$18083552$2,158$18083531$2,134$17883638$2,122$17783263$2,085$17483228$2,079$17383286$2,077$17383805$2,075$17383622$2,074$173Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Idaho by cityCaldwellIdaho FallsMeridianNampaHome insurance rate trend in IdahoWe analyzed home insurance rate trends in Idaho and found that homeowners insurance rates experienced an overall increase of 4% or $71, from 2022 to 2023.The data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,443$1,879$1,950To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in Idaho.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Idaho Average renters insurance cost in Idaho Average car insurance cost in Idaho Non-owner auto insurance in Idaho How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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