How Much Is Home Insurance In Idaho? 2026 Rates
Homeowners insurance in Idaho costs around $1,175 per year, depending on the size of the home, where it is located, and how much coverage is needed.
We’ve saved shoppers an average of $450 per year on their home insurance.
Buying a home in Idaho is exciting, but figuring out how much insurance costs can feel confusing. Prices change based on where you live, the weather, even the age of your home. From quite rural towns to growing cities, Idaho homeowners all face different risks and different insurance rates.
I’ve spent 20 years working in the insurance industry, helping homeowners understand what they’re really paying for and how to avoid overpaying. In this guide, I’ll break down how much home insurance costs in Idaho, and simple ways you can save.
Key Takeaways
Homeowners insurance in Idaho is usually more affordable than in many other states.
Weather risks such as snow, wind, and wildfires can affect your coverage cost.
You can lower your premium by bundling policies and improving home safety features.
Reviewing your policy every year helps make sure you’re not overpaying and that your home is fully protected.
How Much Is Homeowners Insurance In Idaho?
Homeowners insurance in Idaho costs less than the national average. On average, most homeowners in Idaho usually pay around $1,175 per year, depending on the size of the home, where it is located, and how much coverage is needed. Homes in rural areas often cost less to insure while homes near wildfire-prone areas may cost more.
Shopping around and comparing quotes can help you find better rates, and bundling home and auto insurance often leads to extra savings.
Average Home Insurance Cost In Idaho By Insurance Carrier
The average cost of home insurance in Idaho can change depending on the insurance company you choose. Each carrier uses their own pricing rules, discounts, and risk factors. The table below shows a general comparison of average home insurance costs in Idaho by insurance carrier.
| Insurance Carrier | Average Annual Premium |
| American Family | $1,150 |
| State Farm | $1,276 |
| Farmers | $1,512 |
| Nationwide | $1,656 |
| USAA | $1,590 |
| Idaho Farm Bureau | $2,850 |
| Allstate | $2,010 |
Note: Some carriers offer discounts for bundling home and auto insurance together.
Average Home Insurance Cost In Idaho By Claims History
Your claims history can have a big impact on how much you pay for home insurance in Idaho. Insurance companies often charge higher rates if you’ve filed claims in the past, because it can be seen as a higher risk. The table below shows how average home insurance costs in Idaho may change based on different claims history
| Number of Claims | Average Annual Premium |
| None | $1,175 |
| 1 | $1,450 |
| 2 | $3,769 |
Note: Filing multiple claims can raise your insurance cost because insurers see frequent claims as a higher risk.
Average Home Insurance Cost In Idaho By Credit Score
Your credit score can affect how much you pay for home insurance in Idaho. Insurance companies often use credit-based insurance scores to help decide rates. The table below shows how average home insurance costs in Idaho may change based on different credit scores.
| Credit Score | Annual Average Premium |
| Poor (300-579) | $2,265 |
| Fair (580-669) | $1,712 |
| Good (670-739) | $1,525 |
| Very Good (740-799) | $1,175 |
| Excellent (800-850) | $1,010 |
Average Home Insurance Cost For New Homes In Idaho
New homes in Idaho often cost less to insure because they are built with modern materials and safety features. Insurance companies see newer homes as lower risk for damage. The table below shows the average home insurance cost for new homes in Idaho.
| Age of Home | Average Annual Premium |
| New | $1,175 |
| 10 | $1,655 |
| 20 | $1,721 |
| 30 | $2,598 |
Average Home Insurance Cost In Idaho By Coverage Amount
The cost of home insurance in Idaho changes depending on how much coverage you choose. Higher coverage means more protection for your home and belongings, but it also costs more. The table below shows the average home insurance costs in Idaho based on different coverage amounts.
| Coverage Limit | Average Annual Premium |
| $100,000 | $950 |
| $250,000 | $1,671 |
| $500,000 | $3,260 |
| $750,000 | $3,750 |
| $1,000,000 | $5,720 |
| $2,000,000 | $9,240 |
| $3,000,000 | $13,580 |
Average Home Insurance Cost For Different Cities In Idaho
Home insurance costs in Idaho vary by city. Rural areas may have fewer emergency services, while larger towns may face higher risks, affecting rates. For example, a home in Boise averages $1,400 per year, while in Idaho Falls it’s around $1,650. Below are the costs for several Idaho cities.
| City | Average Annual Premium |
| Boise | $1,400 |
| Idaho Falls | $1,650 |
| Caldwell | $1,468 |
| Declo | $1,622 |
| Georgetown | $1,635 |
| Meridian | $1,565 |
How To Estimate Your Homeowners Insurance Policy Cost
Estimating your homeowners insurance cost in Idaho is easier if you know the main factors that affect it. Start by looking at your home’s value, including the cost to rebuild it, not just what you paid to buy it. Consider your location, since homes in areas with more risks like wildfires or storms may cost more to insure.
Think about your coverage amount and deductible, higher coverage and lower deductibles increase your cost, while smaller coverage or higher deductibles lower it.
Your claims history and credit score can also affect your rates. Ask different insurance companies for quotes and compare them to get a good estimate for your policy.
How To Buy Home Insurance In Idaho
Getting home insurance in Idaho is not that difficult a process. With the right steps, you can find coverage that protects your home and belongings without paying too much. Here are some simple steps:
Assess your Home’s Value
Figure out how much it would cost to rebuild your home if it were damaged. Include the value of your belongings too.
Decide on Coverage
Choose how much protection you need for your home, personal property, and liability. Think about your deductible.
Check Different Insurance Companies
Not all companies charge the same rates or offer the same coverage. Compare several insurers to see who offers the best deal for your needs.
Consider Discounts
Ask about discounts for things like security systems, bundling home and auto insurance, or having a new home.
Get Quotes
Request quotes from the companies you’re interested in. Make sure you compare the same coverage levels so it’s easier to see which is best.
Review the policy
Before buying, read the policy carefully. Make sure it covers everything important to you and check for any exclusions.
FAQs
Does my location in Idaho affect my insurance rates?
Homes in rural areas or places with fewer emergency services may cost less, while areas with higher risks like wildfires or theft may cost more.
What does home insurance cover in Idaho?
Home insurance usually covers damage from fire, storms, theft, and certain natural disasters. It can also protect your belongings and provide liability coverage if someone is injured on your property.
Should I get extra coverage like an umbrella policy?
An umbrella policy gives extra protection beyond your standard home insurance. It’s useful if you want extra coverage for big claims or lawsuits, and it can provide peace of mind.
About Bob Phillips
