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: January 16, 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 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 monthThe 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 lessAverage renters insurance cost in Idaho by companyAccording 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 rateNationwide$189$16American Family$204$17Farmers$237$20State Farm$239$20Farm Bureau$287$24USAA$112$9 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 levelAs 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$19Average 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 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 cityCaldwellIdaho FallsMeridianNampaAverage cost of renters insurance in Idaho by ZIP codeRenters 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 IdahoHow 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 rate83422Driggs$174$1583455Victor$174$1583227Clayton$175$1583235Ellis$175$1583278Stanley$175$1583424Felt$175$1583452Tetonia$175$1583226Challis$175$1583251Mackay$175$1583213Arco$176$15 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$16Final thoughts: Average renters insurance in IdahoRenters 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 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 Explore other insurance options in Idaho Average homeowners insurance cost in Idaho Average car insurance cost in Idaho Non-owner auto insurance in Idaho Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles Cost of living calculator By Nupur Gambhir $400K home insurance cost calculator By Zack Sigel Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel Hurricane insurance costs in Florida: What you should expect By Sarah Sharkey Does homeowners insurance cover a total loss to your house? By Nupur Gambhir State Farm home and auto bundle insurance in 2025 By Jessica Olson 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