Average Renters Insurance Cost in Idaho

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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 $190 per year or $16 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 $190 per year or $16 per month.
State Farm provides the least expensive renters insurance in Idaho at an average rate of $139 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 month

The average cost of renters insurance in Idaho is $16 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.

Average renters ins cost per month	Difference compared to national average
$16	$8 less

Average renters insurance cost in Idaho by company

Renters in Idaho can find the most budget-friendly insurance with State Farm, which has an average annual cost of $139, according to our data. Other affordable options include American Family and Nationwide.

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.

Company	Average annual rate	Average monthly rate
State Farm	$139	$12
American Family	$210	$18
Nationwide	$256	$21
Farmers	$283	$24
Idaho Farm Bureau	$334	$28
USAA*	$123	$10

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

Renters insurance calculator in Idaho

$181/year

Estimated renters insurance rates in Idaho

$15

Monthly renters insurance cost in Idaho

-33%

Compared to national average

Average cost of renters insurance in Idaho by coverage level

On average, Idaho renters pay $190 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 $138 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 level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$141	$12
$20,000 with $500 Deductible and $300,000 Liability	$150	$13
$20,000 with $1,000 Deductible and $100,000 Liability	$129	$11
$20,000 with $1,000 Deductible and $300,000 Liability	$138	$12
$40,000 with $500 Deductible and $100,000 Liability	$198	$17
$40,000 with $500 Deductible and $300,000 Liability	$208	$17
$40,000 with $1,000 Deductible and $100,000 Liability	$181	$15
$40,000 with $1,000 Deductible and $300,000 Liability	$190	$16
$60,000 with $500 Deductible and $100,000 Liability	$252	$21
$60,000 with $500 Deductible and $300,000 Liability	$262	$22
$60,000 with $1,000 Deductible and $100,000 Liability	$229	$19
$60,000 with $1,000 Deductible and $300,000 Liability	$239	$20

Average cost of renters insurance in Idaho by city

Renters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Idaho.

Renters insurance rates in Idaho by city

See rates in your city

Meridian

Average cost of renters insurance in Idaho by ZIP code

In Idaho, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.

Most affordable ZIP codes for renters insurance in Idaho

The amount Idaho renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 83235 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $177.

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 code	City	Average annual rate	Average monthly rate
83235	Ellis	$177	$15
83226	Challis	$178	$15
83227	Clayton	$178	$15
83422	Driggs	$178	$15
83424	Felt	$178	$15
83251	Mackay	$178	$15
83278	Stanley	$178	$15
83452	Tetonia	$178	$15
83455	Victor	$178	$15
83213	Arco	$179	$15

Least affordable ZIP codes for renters insurance in Idaho

Among the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Idaho is 83316, with an average cost of $205 a year or $17 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 code	City	Average annual rate	Average monthly rate
83316	Buhl	$205	$17
83619	Fruitland	$205	$17
83655	New Plymouth	$205	$17
83660	Parma	$205	$17
83661	Payette	$205	$17
83328	Filer	$204	$17
83341	Kimberly	$204	$17
83344	Murtaugh	$204	$17
83302	Rogerson	$204	$17
83301	Twin Falls	$204	$17

Final thoughts: Average renters insurance in Idaho

Renters insurance is a must for Idaho renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.

Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.

Shivani Gite

Contributing 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.