Average homeowners insurance cost in Idaho

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Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. But home insurance policies can get expensive, depending on the coverage level you choose and your insurer.

On average, Idaho homeowners insurance costs $1,879 a year, based on Insure.com’s data.

Learn more about the average homeowners insurance rates by company and ZIP code in Idaho.

Key Takeaways

Homeowners insurance costs an average of $1,879 a year, based on Insure.com analysis.
Amongst all the ZIP codes in Idaho, 83704 has the most affordable home insurance rates, around $1,664 annually.
In Idaho, Nationwide provides the most affordable home insurance at an average annual premium of $1,207.

Average home insurance cost in Idaho by coverage level

The average cost of homeowners insurance in Idaho is $1,879 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1000 deductible.

However, if you increase the dwelling coverage from $300,000 to $400,000, you will pay $2,342 per year for homeowners insurance in Idaho for $100,000 in liability protection and $1000 deductible.

Find below the average cost of homeowners insurance in Idaho for dwelling coverage of $300,000, $400,000 and $500,000

Coverage	Average annual rate	Average monthly rate
$3,00,000 with $1,000 Deductible and $1,00,000 Liability	$1,879	$157
$4,00,000 with $1,000 Deductible and $1,00,000 Liability	$2,342	$195
$5,00,000 with $1,000 Deductible and $1,00,000 Liability	$2,820	$235

Homeowners insurance companies in Idaho decide rates based on risks. They consider your location, claims history, credit history and coverage limits, etc., to calculate premiums.

If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in determining your home insurance costs.

Best homeowners insurance companies in Idaho

It’s always wise to shop around and compare prices before you buy your home insurance. There are many factors that go into deciding the best homeowners insurance company.

We have compared the insurers in Idaho using their J.D. Power score and AM Best rating and put together a list of the best homeowners insurance in Idaho. Based on the analysis, USAA received the highest J.D. power score of 884 and A++ rating from AM Best.

Company	A.M. Best rating	J.D. Power rating	Overall score
USAA	A++	884	4.64
American Family	A	842	3.8
Nationwide	A+	816	3.77
State Farm	A++	829	3.43
Allstate	A+	815	3.3
Farmers Insurance	A	792	2.88

Average homeowners insurance cost by company in Idaho

Nationwide offers the most affordable homeowners insurance in Idaho, at an average annual premium of $1,207 a year, followed by American Family and Farmers.

You can save hundreds— if not thousands of dollars each year if you shop around for homeowners insurance.

Here are the average annual and monthly insurance rates for Idaho homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1000 deductible.

Company	Average annual rate	Average monthly rate
Nationwide	$1,207	$101
American Family	$1,232	$103
Farmers	$1,668	$139
USAA	$1,791	$149
Allstate	$2,004	$167
State Farm	$2,613	$218
Farm Bureau	$3,327	$277

Idaho homeowners insurance rates by ZIP code

Insurance companies in Idaho assess the risk associated with a specific location. ZIP codes with higher crime rates, instances of natural disasters, or poor road conditions may be deemed higher risk, resulting in higher insurance rates. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a home insurance policy.

Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in Idaho. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.

Most affordable ZIP codes for home insurance rates in Idaho

Not every area in Idaho has the same home insurance cost. How much is home insurance in Idaho depends on a lot of different factors and one of them is your ZIP code. 83704 ZIP has low cost home insurance rates in Idaho, at about $1,664 a year or $139, based on Insure.com data.

Find below the homeowners insurance rates for some of the most affordable ZIP codes in Idaho.

ZIP code	Average annual rate	Average monthly rate
83704	$1,664	$139
83642	$1,702	$142
83646	$1,705	$142
83713	$1,708	$142
83634	$1,741	$145
83815	$1,745	$145
83843	$1,747	$146
83842	$1,749	$146
83833	$1,752	$146
83814	$1,753	$146

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

Home insurance rates in Idaho by city

Final thoughts

Finding the right homeowners insurance company takes some digging and comparing quotes from various insurers.

Home insurance companies gauge risk differently from one another. That’s why getting quotes from at least three homeowners insurance companies is important for getting affordable homeowners insurance in Idaho.

Methodology

Insure.com worked with Quadrant Information Service to get homeowners insurance data. To determine the average premiums, we analyzed 14,723,760 insurance quotes from 147 insurance companies across 34,587 ZIP codes.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level