Home Home insurance Average home insurance cost Average homeowners insurance cost in Idaho Average homeowners insurance cost in Idaho View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's EditorUpdated on: February 21, 2024 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. But home insurance policies can get expensive, depending on the coverage level you choose and your insurer.On average, Idaho homeowners insurance costs $1,879 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in Idaho.Key TakeawaysHomeowners insurance costs an average of $1,879 a year, based on Insure.com analysis.Amongst all the ZIP codes in Idaho, 83704 has the most affordable home insurance rates, around $1,664 annually.In Idaho, Nationwide provides the most affordable home insurance at an average annual premium of $1,207.Average home insurance cost in Idaho by coverage levelThe average cost of homeowners insurance in Idaho is $1,879 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1000 deductible.However, if you increase the dwelling coverage from $300,000 to $400,000, you will pay $2,342 per year for homeowners insurance in Idaho for $100,000 in liability protection and $1000 deductible.Find below the average cost of homeowners insurance in Idaho for dwelling coverage of $300,000, $400,000 and $500,000CoverageAverage annual rateAverage monthly rate$3,00,000 with $1,000 Deductible and $1,00,000 Liability$1,879$157$4,00,000 with $1,000 Deductible and $1,00,000 Liability$2,342$195$5,00,000 with $1,000 Deductible and $1,00,000 Liability$2,820$235Homeowners insurance companies in Idaho decide rates based on risks. They consider your location, claims history, credit history and coverage limits, etc., to calculate premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in determining your home insurance costs.Best homeowners insurance companies in IdahoIt’s always wise to shop around and compare prices before you buy your home insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in Idaho using their J.D. Power score and AM Best rating and put together a list of the best homeowners insurance in Idaho. Based on the analysis, USAA received the highest J.D. power score of 884 and A++ rating from AM Best.CompanyA.M. Best ratingJ.D. Power ratingOverall scoreUSAAA++8844.64American FamilyA8423.8NationwideA+8163.77State FarmA++8293.43AllstateA+8153.3Farmers InsuranceA7922.88Average homeowners insurance cost by company in IdahoNationwide offers the most affordable homeowners insurance in Idaho, at an average annual premium of $1,207 a year, followed by American Family and Farmers.You can save hundreds— if not thousands of dollars each year if you shop around for homeowners insurance.Here are the average annual and monthly insurance rates for Idaho homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1000 deductible.CompanyAverage annual rateAverage monthly rateNationwide$1,207$101American Family$1,232$103Farmers$1,668$139USAA$1,791$149Allstate$2,004$167State Farm$2,613$218Farm Bureau$3,327$277Idaho homeowners insurance rates by ZIP codeInsurance companies in Idaho assess the risk associated with a specific location. ZIP codes with higher crime rates, instances of natural disasters, or poor road conditions may be deemed higher risk, resulting in higher insurance rates. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a home 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 is home insurance in Idaho depends on a lot of different factors and one of them is your ZIP code. 83704 ZIP has low cost home insurance rates in Idaho, at about $1,664 a year or $139, based on Insure.com data.Find below the homeowners insurance rates for some of the most affordable ZIP codes in Idaho. ZIP codeAverage annual rateAverage monthly rate83704$1,664$13983642$1,702$14283646$1,705$14283713$1,708$14283634$1,741$14583815$1,745$14583843$1,747$14683842$1,749$14683833$1,752$14683814$1,753$146 Home 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 FallsMeridianNampaFinal thoughtsFinding the right homeowners insurance company takes some digging and comparing quotes from various insurers.Home insurance companies gauge risk differently from one another. That’s why getting quotes from at least three homeowners insurance companies is important for getting affordable homeowners insurance in Idaho.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. To determine the average premiums, we analyzed 14,723,760 insurance quotes from 147 insurance companies across 34,587 ZIP codes.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 deductibleThe 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$1,867/YearAlabama$2,882/YearArkansas$4,062/YearArizona$1,947/YearCalifornia$1,357/YearColorado$3,376/YearConnecticut$2,165/YearWashington D.C.$1,203/YearDelaware$1,230/YearFlorida$2,260/YearGeorgia$2,375/YearHawaii$562/YearIowa$2,389/YearIllinois$2,589/YearIndiana$2,707/YearKansas$4,648/YearKentucky$3,153/YearLouisiana$2,843/YearMassachusetts$1,583/YearMaryland$1,685/YearMaine$1,420/YearMichigan$2,306/YearMinnesota$2,307/YearMissouri$3,335/YearMississippi$3,541/YearMontana$2,857/YearNorth Carolina$2,689/YearNorth Dakota$2,931/YearNebraska$4,614/YearNew Hampshire$1,190/YearNew Jersey$1,245/YearNew Mexico$2,530/YearNevada$1,433/YearNew York$1,727/YearOhio$2,005/YearOklahoma$4,934/YearOregon$1,491/YearPennsylvania$1,820/YearRhode Island$1,534/YearSouth Carolina$2,751/YearSouth Dakota$3,514/YearTennessee$2,857/YearTexas$3,977/YearUtah$1,411/YearVirginia$2,043/YearVermont$1,158/YearWashington$1,643/YearWisconsin$1,495/YearWest Virginia$1,781/YearWyoming$1,846/YearShow more In case you missed it What is HO-6 condo insurance and how much does it cost? 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