Home Home insurance 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. | 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 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 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 $204 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 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 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 Idaho83301 is the most expensive ZIP code for renters insurance in Idaho, at an average cost of $195 annually or $16 monthly.We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Idaho. The table below shows the average annual renters insurance rates 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$16Renters and auto bundle discounts in IdahoTo lower your insurance costs, consider bundling renters and auto insurance policies from the same company.By bundling your insurance policies, you can save an average of 5% per year in Idaho. State Farm offers the best rates for combining renters and auto insurance, allowing you to save 5% on your annual premiums.CompanyAverage annual rate$ bundle average savings% bundle average savingsState Farm$736$365%Oregon Mutual$872$394%Auto-Owners$885$475%Travelers$1,015$535%Nationwide$1,054$424%American Family$1,179$464%Geico$1,195$373%Farm Bureau$1,396$936%Farmers$1,541$1167%Allstate$2,033$1929%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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearWashington, D.C.$272/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. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Guide to the insurance claims history report (CLUE) By Shivani Gite Guide to off-grid home insurance By Lena Borrelli Renters insurance: Compare quotes in 2025 By Prachi Singh How to find a homeowners insurance policy By Shivani Gite Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite Mobile home insurance cost and coverage in 2025 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 codeRenters and auto bundle discounts in IdahoFinal thoughts: Average renters insurance in Idaho ZIP Code Please enter valid ZIP See rates