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Finding the cheapest home insurance in Idaho requires getting quotes from multiple home insurance companies.

Home insurance companies don’t devise rates in all the same way. One may put a greater emphasis on one metric, such as a home’s claims history, while not caring as much about another, such as a person’s credit. That’s one reason why it pays to get quotes from multiple insurance companies.

We found that Nationwide has the cheapest homeowners insurance rates in Idaho with an average annual premium of $561 or $47 per month for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

Let’s take a look at the cheapest homeowners insurance in Idaho and how to find the best home insurance rates.

Key Takeaways

  • In Idaho, the cheapest homeowners insurance is offered by Nationwide at $561 per year for $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible.
  • The zipcode 83704 in Idaho offers the homeowners insurance at the cheapest rate of $1,603 per year.

Cheap homeowners insurance companies in Idaho

Home insurance costs are a vital part of finding a homeowners insurance policy. Who has the cheapest homeowners insurance in Idaho?

Nationwide, Farm Bureau and Safeco are the cheapest homeowners insurance companies in Idaho, on average.

Here are average Idaho homeowners insurance rates for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.

CompanyAverage annual premiumAverage monthly premium
Nationwide$561$47
Farm Bureau$783$65
Safeco$974$81
American Family$1,178$98
Allstate$1,328$111
Foremost$1,703$142
USAA$1,761$147
Farmers$1,893$158
Garrison$2,056$171
Travelers$2,109$176
State Farm$2,896$241
First Liberty$3,090$257

Compare cheap homeowners insurance in Idaho by ratings

It’s a smart move to shop around to look for cheap homeowners insurance and compare policies and coverages from different insurance providers carefully. Here we have compared the cheapest home insurance companies in Idaho based on J.D. power score and AM Best ratings that help you to choose the best among the options available.

CompanyJ.D. Power scoreAM Best rating
USAA882A++
State Farm835A++
American Family831A
Allstate829A+
Farmers813A
Nationwide812A+
Safeco810A
Liberty Mutual806A
Travelers800A++

How much is home insurance in Idaho

The average cost of homeowners insurance in Idaho is $1,842 for $300,000 dwelling and $300,000 liability with a $1,000 deductible. The average Idaho home insurance costs are $463 less than the national average.

Average annual premiumAverage monthly premium
$1,842$154

Multiple factors play a role in homeowners insurance cost, including:

  • Location, including ZIP code
  • Level of coverage
  • Home construction and age
  • Your claims history 
  • Your home’s claims history
  • The area’s claims history
  • Deductible
  • Credit history

Cheapest homeowners insurance in Idaho by ZIP code

83704 has the cheapest homeowners insurance, among large cities surveyed, with average rate of $1,603 per year, which is $134 per month. Here are how Idaho cities rank for average home insurance rates:

ZIP codeAverage annual premiumAverage monthly premium
83704$1,603$134
83705$1,612$134
83706$1,615$135
83712$1,651$138
83703$1,652$138
83709$1,653$138
83713$1,657$138
83646$1,668$139
83708$1,674$140
83714$1,678$140
83642$1,679$140
83702$1,687$141
83634$1,692$141
83616$1,705$142
83318$1,715$143

Know how much is home insurance in other states

Alaska$1,799/Year
Alabama$2,981/Year
Arkansas$3,439/Year
Arizona$1,976/Year
California$1,166/Year
Colorado$3,082/Year
Connecticut$1,961/Year
Washington D.C.$1,488/Year
Delaware$1,521/Year
Florida$3,439/Year
Georgia$2,555/Year
Hawaii$499/Year
Iowa$2,540/Year
Illinois$2,201/Year
Indiana$2,423/Year
Kansas$3,931/Year
Kentucky$2,862/Year
Louisiana$3,270/Year
Massachusetts$1,920/Year
Maryland$1,518/Year
Maine$1,833/Year
Michigan$2,153/Year
Minnesota$3,010/Year
Missouri$3,111/Year
Mississippi$3,340/Year
Montana$2,809/Year
North Carolina$2,009/Year
North Dakota$2,601/Year
Nebraska$3,133/Year
New Hampshire$1,455/Year
New Jersey$1,744/Year
New Mexico$2,299/Year
Nevada$1,486/Year
New York$1,840/Year
Ohio$2,107/Year
Oklahoma$4,445/Year
Oregon$1,608/Year
Pennsylvania$1,720/Year
Rhode Island$2,125/Year
South Carolina$2,678/Year
South Dakota$3,172/Year
Tennessee$2,692/Year
Texas$3,429/Year
Utah$1,378/Year
Virginia$1,956/Year
Vermont$1,212/Year
Washington$1,514/Year
Wisconsin$1,732/Year
West Virginia$2,486/Year
Wyoming$2,083/Year
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Les Masterson
Contributor

 
  

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.

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