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 a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: November 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 a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in Idaho is $1,950 a year. Continue reading to learn more about homeowners insurance rates in Idaho by ZIP code and insurer. 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 levelThe average cost of homeowners insurance in Idaho is $1,950 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $2,438 per year for homeowners insurance in Idaho for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Idaho for dwelling coverage 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 Homeowners insurance companies in Idaho decide rates based on risk. They consider your location, claims history, credit history and coverage limit when calculating 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. 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 has the cheapest homeowners insurance rates in Idaho. Its average annual cost for Idaho homeowners is $1,313. American Family and Allstate also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in Idaho with $300,000 in dwelling coverage, $100,000 in liability coverage, 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 codeIn Idaho, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.Shop around and compare quotes from different insurance companies to find the best home insurance rates in Idaho. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.Most affordable ZIP codes for home insurance rates in IdahoHome insurance costs vary across different areas in Idaho. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 83708 ZIP code has the lowest home insurance rates in Idaho, at $1,756 annually or $146 per month.Here are the 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 IdahoYour ZIP code plays a significant role in determining the cost of your homeowners insurance. In Idaho, some areas face higher premiums due to factors like high crime rates, greater risk of natural disasters and higher living expenses.In Idaho, 83539 has the highest homeowners insurance rates, at $2,176 per year.Here, we’ve highlighted 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 below data shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,443$1,879$1,950To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in Idaho.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.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/YearWashington, D.C.$1,327/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. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2024 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? 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