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: June 25, 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 monthIn Idaho, the average cost of renters insurance is $15 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.Average renters ins cost per monthDifference compared to national average$15$7 lessAverage renters insurance cost in Idaho by companyNationwide offers the most affordable renters insurance in Idaho at an average annual rate of $189, followed by American Family and Farmers, based on our data.However, you should get multiple quotes from various renters insurance companies in Idaho because the prices vary greatly among carriers.Below, we have compared the average annual and monthly renters insurance rates of insurance companies across 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 levelThe average annual cost of renters insurance in Idaho is $184, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $140 a year for renters insurance in Idaho. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows 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$19Average cost of renters insurance in Idaho by cityRenters 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 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 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 IdahoIn Idaho, your ZIP code plays a major role in determining your premiums. Based on our data, 83422 is the most affordable ZIP code for renters insurance, with an average annual cost of $174.Comparing quotes from multiple insurers in Idaho is a smart way to find the best renters insurance rates for your ZIP code.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$15Least affordable ZIP codes for renters insurance in IdahoYour ZIP code, among other factors, affects how much you pay for renters insurance in Idaho. 83301 is the least affordable ZIP code for Idaho renters at an average cost of $195 a year or $16 monthly.We have analyzed quotes from the major insurance carriers across all the ZIP codes in Idaho. Below are the average annual renters insurance costs 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$16 Final thoughts: Average renters insurance in IdahoRenters 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.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 Do I have to pay homeowners insurance through escrow? By Kat Tretina Cost of living calculator By Nupur Gambhir $400K home insurance cost calculator By Zack Sigel Hurricane season is here: What to know to protect your home By Maryalene LaPonsie Cost of living comparison by state By Chris Kissell Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite 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