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Renters insurance costs in Idaho vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Idaho pay $184 per year or $15 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible.

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 month

The average cost of renters insurance in Idaho is $15 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 monthDifference compared to national average
$15$7 less

Average renters insurance cost in Idaho by company

According to our data, Nationwide provides the most affordable renters insurance in Idaho, with an average annual rate of $189, followed by American Family and Farmers.

Getting quotes from multiple renters insurance companies in Idaho is a good idea, as prices can differ significantly among insurers.

Below, you can find average annual and monthly renters insurance rates from various companies in Idaho.

CompanyAverage annual rateAverage monthly rate
Nationwide$189$16
American Family$204$17
Farmers$237$20
State Farm$239$20
Farm Bureau$287$24
USAA$112$9

Renters insurance calculator in Idaho

$169/year
Estimated renters insurance rates in Idaho
$14
Monthly renters insurance cost in Idaho
-32%
Compared to national average

Average cost of renters insurance in Idaho by coverage level

As we discussed above, the average cost of renters insurance in Idaho is $184 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.

However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $140 per year for renters insurance in Idaho, which provides $300,000 in liability protection with a $1000 deductible.

Below are the average renters insurance costs in Idaho for personal property coverage amounts 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$19

Average cost of renters insurance in Idaho by city

Renters 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 vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below.

Renters insurance rates in Idaho by city

Average cost of renters insurance in Idaho by ZIP code

Renters insurance costs in Idaho vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.

Most affordable ZIP codes for renters insurance in Idaho

How much Idaho renters pay for insurance depends on the ZIP code they live in. 83422 is the most affordable ZIP code for renters insurance in Idaho among all the ZIP codes analyzed, at $174 a year on average.

Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in Idaho.

ZIP codeCityAverage annual rateAverage monthly rate
83422Driggs$174$15
83455Victor$174$15
83227Clayton$175$15
83235Ellis$175$15
83278Stanley$175$15
83424Felt$175$15
83452Tetonia$175$15
83226Challis$175$15
83251Mackay$175$15
83213Arco$176$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 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 rate
83301Twin Falls$195$16
83316Buhl$195$16
83341Kimberly$195$16
83344Murtaugh$194$16
83302Rogerson$194$16
83661Payette$194$16
83328Filer$194$16
83655New Plymouth$194$16
83352Shoshone$194$16
83349Richfield$194$16

Final thoughts: Average renters insurance in Idaho

Renters insurance is essential for residents of Idaho. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.

To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.

How much is renters insurance in other states

Alaska$257/Year
Alabama$324/Year
Arkansas$363/Year
Arizona$260/Year
California$271/Year
Colorado$191/Year
Connecticut$292/Year
Delaware$181/Year
Florida$248/Year
Georgia$352/Year
Hawaii$247/Year
Iowa$203/Year
Illinois$246/Year
Indiana$269/Year
Kansas$251/Year
Kentucky$207/Year
Louisiana$504/Year
Massachusetts$262/Year
Maryland$256/Year
Maine$198/Year
Michigan$340/Year
Minnesota$211/Year
Missouri$231/Year
Mississippi$387/Year
Montana$275/Year
North Dakota$192/Year
Nebraska$295/Year
New Hampshire$173/Year
New Jersey$207/Year
New Mexico$201/Year
Nevada$246/Year
New York$293/Year
Ohio$252/Year
Oklahoma$281/Year
Oregon$288/Year
Pennsylvania$274/Year
Rhode Island$476/Year
South Dakota$202/Year
Tennessee$290/Year
Texas$226/Year
Utah$204/Year
Virginia$235/Year
Vermont$182/Year
Washington$222/Year
Wisconsin$167/Year
West Virginia$248/Year
Wyoming$136/Year
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Shivani Gite
Contributing Writer

 
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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.

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