Average homeowners insurance cost in Idaho

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The average cost of home insurance in Idaho is $2,224 per year for a standard policy.

Your premium is shaped by the dwelling coverage limit you select and the level of protection you need. Broader coverage generally means a higher cost. Higher coverage means higher premiums. State Farm stands out for its more affordable rates in the state, offering solid value as you weigh different levels of coverage.

Both avoid asserting anything about financial ratings, claims service, or stability – they stay anchored to price, which is the one thing you know for sure.

Compare quotes from multiple insurers and ask each one what discounts they offer. Premiums can differ significantly from company to company because they weigh things like where your home is located, how old it is, what it’s built from, the shape your roof is in, and your past claims. Pulling several quotes tied to your specific address is the surest way to spot the best value.

Key Takeaways

Homeowners insurance costs an average of $2,224 a year, based on our data.
Of all the ZIP codes in Idaho, 83708 has the most affordable home insurance rates at around $1,896 annually.
In Idaho, State Farm provides the most affordable home insurance at an average annual premium of $1,485.

What is the average cost of homeowners insurance in Idaho?

Homeowners in Idaho pay an average of $2,224 per year for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Idaho? Cost by coverage level

Homeowners insurance in Idaho costs $2,224 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $2,785 per year for homeowners insurance in Idaho for $100,000 in liability protection and a $1,000 deductible.

The table below shows average homeowners insurance costs in Idaho for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$1,664	$139
$200,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$1,680	$140
$300,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,224	$185
$300,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,240	$187
$400,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,785	$232
$400,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,799	$233
$600,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$3,893	$324
$600,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$3,907	$326
$1,000,000 with $2,500 Deductible and $200,000 Liability and None Hurricane	$5,725	$477
$1,000,000 with $2,500 Deductible and $300,000 Liability and None Hurricane	$5,743	$479

Average home insurance cost in Idaho by insurer

The most affordable homeowners insurance in Idaho comes from State Farm, which averages $1,485 per year. American Family and Farmers are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Idaho homeowners, based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
State Farm	$1,485	$124
American Family	$1,662	$138
Farmers	$2,166	$181
Nationwide	$2,278	$190
Allstate	$2,588	$216
Idaho Farm Bureau	$3,418	$285
USAA*	$2,285	$190

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in Idaho.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

How does your ZIP code affect home insurance rates in Idaho?

Where you live plays a major role in what you pay for home insurance. Your ZIP code signals the level of risk in your area, so places prone to crime, natural disasters, or costly rebuilds tend to come with higher premiums.

Here’s a look at the most and least affordable ZIP codes for home insurance across Idaho.

Most affordable ZIP codes for home insurance in Idaho

The lowest rates in Idaho are found in 83708, where homeowners pay an average of $1,896 per year.

Where you live in Idaho has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in Idaho.

ZIP code	Average annual rate	Average monthly rate
83708	$1,896	$158
83704	$1,935	$161
83814	$1,970	$164
83646	$1,977	$165
83833	$1,991	$166
83709	$1,993	$166
83854	$2,003	$167
83642	$2,014	$168
83605	$2,028	$169
83803	$2,030	$169

Most expensive ZIP codes for home insurance in Idaho

At the other end of the spectrum, 83546 has the highest average rates in Idaho at $2,482 per year.

Higher premiums in certain ZIP codes typically reflect greater exposure to crime, natural disasters, and elevated living and rebuilding costs.

Below are some of the most expensive ZIP codes for home insurance in Idaho.

ZIP code	Average annual rate	Average monthly rate
83546	$2,482	$207
83531	$2,461	$205
83805	$2,450	$204
83638	$2,445	$204
83252	$2,429	$202
83661	$2,422	$202
83813	$2,421	$202
83243	$2,408	$201
83622	$2,407	$201
83281	$2,402	$200

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 city

See rates in your city

How has home insurance pricing shifted in Idaho?

From 2023 to 2025, home insurance rates in Idaho increase by 17%, mirroring the broader direction of the state’s insurance market over that period.

Here’s how rates have moved year over year since 2022:

2022 rates	2023 rates	2025 rates
$1,827	$1,902	$2,224

What are the best homeowners insurance companies in Idaho?

Based on our data, State Farm stands out as the top choice in Idaho. It earns an AM Best rating of A+ and holds one of the lowest NAIC complaint scores statewide-a strong sign of both reliability and customer satisfaction.

To pinpoint the most trustworthy insurers, we measured each company against two benchmarks:

AM Best Ratings gauge a company’s financial strength and its ability to pay claims when you need it most.
NAIC Complaint Scores compare how often a company is the subject of complaints relative to its size, with lower scores pointing to fewer problems.

Looked at together, these benchmarks give a dependable picture of an insurer’s financial footing and the experience you can expect as a customer. The table below ranks the leading companies in Idaho by annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
State Farm	$1,485	A+	1.15	4.69
American Family	$1,662	A	1.07	4.57
Allstate	$2,588	A+	1.26	4.54
Farmers	$2,166	A	0.89	4.51
Nationwide	$2,278	A	1.34	4.48
Idaho Farm Bureau	$3,418	A	0.25	4.38
USAA*	$2,285	A++	0.46	4.72

*USAA is only available to military community members and their families.

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

What factors affect your home insurance rate?

Home insurance is priced according to the risk an insurer associates with your property and personal profile. The factors that carry the most weight include:

Where you live. Crime levels, weather-related risks, and local claims activity all factor into your rate.
Your claims history. Having filed claims in the past generally leads to a higher premium going forward.
Your credit-based insurance score. Most states allow insurers to use credit as a pricing factor. A lower score can result in a higher rate, though states such as California and Massachusetts have restrictions on this practice.
Your coverage limits and deductible. Choosing higher coverage or a lower deductible will increase your annual cost.

Home insurance costs have also been rising nationally. S&P Global Market Intelligence’s RateWatch application found that premiums for owner-occupied homes increased by more than 11% in 2023.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.