Home Renters insurance Renters insurance cost Average renters insurance cost in Idaho Average renters insurance cost in Idaho Discover the average cost of renters insurance in Idaho and how factors like location and coverage levels can impact your rate. 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 an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: December 3, 2025 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. Renters insurance costs in Idaho vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Idaho is $184 per year or $15 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in Idaho is $184 per year or $15 per month.Nationwide provides the least expensive renters insurance in Idaho at an average rate of $189 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Idaho. Average renters insurance cost in Idaho per monthIn Idaho, the average monthly cost of renters insurance is $15. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$15$7 lessPowered by:Average renters insurance cost in Idaho by companyRenters in Idaho can find the most budget-friendly insurance with Nationwide, which has an average annual cost of $189, according to our data. Other affordable options include American Family and Farmers.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in Idaho.CompanyAverage annual rateAverage monthly rateNationwide$189$16American Family$204$17Farmers$237$20State Farm$239$20Farm Bureau$287$24USAA*$112$9*USAA is only available to military community members and their families.Powered by: Renters insurance calculator in Idaho Select your state Idaho Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $169/year Estimated renters insurance rates in Idaho $14 Monthly renters insurance cost in Idaho -32% Compared to national average Get quotes Average cost of renters insurance in Idaho by coverage levelOn average, Idaho renters pay $184 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Idaho to $140 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Idaho for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$135$11$20,000 with $500 Deductible and $300,000 Liability$149$12$20,000 with $1,000 Deductible and $100,000 Liability$127$11$20,000 with $1,000 Deductible and $300,000 Liability$140$12$40,000 with $500 Deductible and $100,000 Liability$182$15$40,000 with $500 Deductible and $300,000 Liability$196$16$40,000 with $1,000 Deductible and $100,000 Liability$169$14$40,000 with $1,000 Deductible and $300,000 Liability$184$15$60,000 with $500 Deductible and $100,000 Liability$226$19$60,000 with $500 Deductible and $300,000 Liability$241$20$60,000 with $1,000 Deductible and $100,000 Liability$210$17$60,000 with $1,000 Deductible and $300,000 Liability$225$19Powered by:Average cost of renters insurance in Idaho by cityRenters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Idaho and find the best fit for your budget.Renters insurance rates in Idaho by citySee rates in your cityMeridianAverage cost of renters insurance in Idaho by ZIP codeThe cost of renters insurance in Idaho varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Idaho.Most affordable ZIP codes for renters insurance in IdahoThe amount Idaho renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 83422 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $174.Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Idaho.ZIP codeCityAverage annual rateAverage monthly rate83422Driggs$174$1583455Victor$174$1583227Clayton$175$1583235Ellis$175$1583278Stanley$175$1583424Felt$175$1583452Tetonia$175$1583226Challis$175$1583251Mackay$175$1583213Arco$176$15Powered by:Least affordable ZIP codes for renters insurance in IdahoAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Idaho is 83301, with an average cost of $195 a year or $16 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Idaho. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate83301Twin Falls$195$1683316Buhl$195$1683341Kimberly$195$1683344Murtaugh$194$1683302Rogerson$194$1683661Payette$194$1683328Filer$194$1683655New Plymouth$194$1683352Shoshone$194$1683349Richfield$194$16Powered by:Final thoughts: Average renters insurance in IdahoRenters insurance is a must-have for renters in Idaho. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.Shivani 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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in IdahoBest and cheapest homeowners insurance companies in IdahoCost of Living in Idaho in 2025How much does condo insurance cost in Idaho in 2025? 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Most Americans don’t 1/1 Related Articles Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel Renters insurance calculator: How much renters insurance costs by state and city in 2026 By Shivani Gite Hurricane insurance costs in Florida: What you should expect By Sarah Sharkey Homeowners insurance rates by state By Jake Safane Mobile home insurance cost and coverage in 2026 By Chris Kissell On this page Average renters insurance cost in Idaho per monthAverage renters insurance cost in Idaho by companyAverage cost of renters insurance in Idaho by coverage levelAverage cost of renters insurance in Idaho by cityAverage cost of renters insurance in Idaho by ZIP codeFinal thoughts: Average renters insurance in Idaho ZIP Code Please enter valid ZIP See rates (844) 761-9316