Average homeowners insurance cost in Idaho

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.

Home insurance in Idaho costs an average of $1,950 per year for standard coverage.

Your actual cost depends on your dwelling coverage limit and the protection level you choose. Higher coverage means higher premiums. Nationwide offers competitive rates in the state, making it a strong option to consider as you compare coverage levels.

Shop around and ask about discounts. Rates vary widely between insurers, and depend on factors like your home’s location, age, construction, roof condition, and claims history-so getting quotes specific to your address and comparing several companies helps you find the best deal.

Key Takeaways

Homeowners insurance costs an average of $1,950 a year, based on our data.
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.

What is the average cost of homeowners insurance in Idaho?

The average homeowners insurance premium in Idaho is $1,950 per year. That figure is based on 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

On average, homeowners in Idaho pay $1,950 a year for insurance – a figure based on $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Raising your dwelling coverage from $300,000 to $400,000, with the same liability and deductible, brings the average annual cost to $2,438 in Idaho.

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 $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

Average home insurance cost in Idaho by insurer

Nationwide has the lowest average homeowners insurance premiums in Idaho at $1,313 per year. American Family and Allstate also offer competitive rates worth comparing.

Taking the time to shop around can save you a significant amount each year.

The table below shows average annual and monthly rates from insurers in Idaho, based on $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Nationwide	$1,313	$109
American Family	$1,384	$115
Allstate	$1,727	$144
Farmers	$1,802	$150
State Farm	$2,217	$185
Idaho Farm Bureau	$3,017	$251
USAA*	$2,085	$174

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

How to lower your home insurance rate

Shop around. A single quote won’t tell you much. Comparing rates from three or four different insurers in Idaho is the surest way to find a competitive price.
Bundle your policies. Pairing home and auto insurance, or renters and auto, with the same provider is a straightforward way to qualify for multi-policy discounts.
Ask about smart home discounts. Home security systems, smoke detectors, and leak detection devices are upgrades that many insurers reward with lower premiums.
Check for other savings. It’s worth asking your insurer about loyalty discounts, claims-free incentives, and credits for improvements like fire-resistant roofing materials.

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

83708 has the lowest average home insurance rates in Idaho, with homeowners paying around $1,756 per year.

Home insurance rates aren’t uniform across Idaho. Your ZIP code, in particular, is one of the biggest reasons prices differ from one area to the next.

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

ZIP code	Average annual rate	Average monthly rate
83708	$1,756	$146
83704	$1,762	$147
83646	$1,795	$150
83709	$1,798	$150
83815	$1,801	$150
83642	$1,816	$151
83843	$1,817	$151
83814	$1,823	$152
83872	$1,830	$153
83810	$1,831	$153

Most expensive ZIP codes for home insurance rates in Idaho

83539 has the highest rates in Idaho at an average of $2,176 per year.

Home insurance costs more in certain ZIP codes due to higher crime rates, natural disaster risk, and living costs.

Below, we’ve highlighted some of the most expensive ZIP codes in Idaho for home insurance:

ZIP code	Average annual rate	Average monthly rate
83539	$2,176	$181
83546	$2,165	$180
83552	$2,158	$180
83531	$2,134	$178
83638	$2,122	$177
83263	$2,085	$174
83228	$2,079	$173
83286	$2,077	$173
83805	$2,075	$173
83622	$2,074	$173

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

What are the best homeowners insurance companies in Idaho?

Based on our data, American Family 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
American Family	$1,384	A	0.37	5
Farmers	$1,802	A	0.54	4.8
Nationwide	$1,313	A+	0.87	4.39
Idaho Farm Bureau	$3,017	A	0	4.19
Allstate	$1,727	A+	0.9	4.01
State Farm	$2,217	A++	0.95	3.61

How to understand insurer ratings and complaint data

A good insurer answers two questions well: Can it pay your claim, and does it keep its customers happy? Independent rating agencies measure both, giving you an evidence-based way to compare your options.

The two ratings referenced here:

AM Best, which assesses an insurer’s financial strength and capacity to pay claims. Higher ratings indicate greater financial stability.
NAIC Complaint Index, compiled by the National Association of Insurance Commissioners from consumer complaint data. The baseline is 1.00 – a lower score means fewer complaints than expected for the insurer’s size, and a higher score means more.

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

Source

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

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 20,739,560 quotes from 82 national and regional insurers across 34,588 ZIP codes.

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

Company rankings factor in average annual cost, NAIC score, and AM Best rating. 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.