Best homeowners insurance in Idaho (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Idaho.

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By

Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.
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Reviewed by

Ian Bloom, CFP®, RLP®Ian Bloom, CFP®, RLP®Certified Financial PlannerIan Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

Updated|4 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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Idaho is known as the supplier of the country's potatoes, but homeowners here know it as a state occasionally plagued by wildfires and floods. Residents of Idaho will want to make sure their homes are protected by a strong homeowners insurance policy. 

The average cost of homeowners insurance in Idaho is $1,258 per year or $105 a month. That's almost 28% lower than the national average of $1,754 per year.

Compare home insurance rates in Idaho

We don't sell your information to third parties.

Compare the best homeowners insurance companies in Idaho

Policygenius found the best homeowners insurance companies in Idaho by analyzing quotes across every ZIP code in the state. We also looked at J.D. Power customer satisfaction scores and compared that with the coverage needs of Idaho residents to find the best homeowners insurance in the state.

Company

Average monthly cost

Policygenius rating

State Farm

$194

4.8 out of 5

Farmers

$103

4.5 out of 5

American Family

$74

4.5 out of 5

Allstate

$178

4.4 out of 5

Farm Bureau Insurance

$212

3.9 out of 5

award icon

2024 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

Offers flood insurance

Offers earthquake insurance

Wind/hail deductible

Offers wildfire insurance

Why we chose itchevron icon

State Farm is one of the best home insurance companies in Idaho thanks to its large selection of policy options, high customer service marks, and industry-best financial stability ratings.

Pros and conschevron icon

Pros

  • Save up to $1,127 per year when you bundle your home and auto insurance

  • Excellent line-up of policy add-ons, including extended replacement cost coverage

Cons

  • No longer sells home insurance policies in California

  • 20% more complaints filed with the NAIC than other companies of its size

More detailschevron icon

Why we chose State Farm

State Farm is one of the best home insurance companies in Idaho, especially if you want to add coverage to a basic policy. State Farm lets homeowners get extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, and more.

State Farm's customer service is highly rated, too. The company has received high ratings from policyholders, according to J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys. It has also received the highest rating possible from A.M. Best for financial strength and stability.

How do State Farm home insurance rates compare to the Idaho average?

The average cost of home insurance from State Farm in Idaho is $2,329 per year, which is 85% more expensive than the national average.

How to get a quote

Online through State Farm or by contacting your local State Farm agent.

award icon

2024 Policygenius award winner

Farmers

Farmers Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Farmers is one of the best home insurance companies in Idaho. The company has a range of coverage add-ons, discounts, and high claims satisfaction scores — and rates are lower than the average in Idaho.

Pros and conschevron icon

Pros

  • Above-average property claims satisfaction rating with J.D. Power

  • Extended and guaranteed replacement cost for your home

  • Shave $50 off your deductible each year you’re with Farmers

Cons

  • Below-average scores on J.D. Power’s digital experience survey

More detailschevron icon

Why we chose Farmers

Farmers is one of the best home insurance companies in Idaho. You can customize your Farmers home insurance with coverage options like guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.

Farmers also earned a high score in J.D. Power’s 2022 claims satisfaction study (though it was below-average on J.D. Power’s overall customer satisfaction and digital experience surveys). Plus, Farmers receives fewer complaints than average, according to the National Association of Insurance Commissioners.

How do Farmers home insurance rates compare to the average in Idaho?

The average cost of Farmers home insurance in Idaho is $1,232 per year, which is 2% cheaper than the average cost of home insurance in the country.

How to get a quote

Online through Farmers

award icon

2024 Policygenius award winner

American Family

American Family home insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Offers flood insurance

Bundle home & auto

Why we chose itchevron icon

American Family is one of the best home insurance companies in Idaho, especially for people who want to add coverage to a basic policy. AmFam also has high customer service ratings and several discounts.

Pros and conschevron icon

Pros

  • Affordable rates and 11 available discounts

  • Ranked #2 in J.D. Power’s 2022 U.S. Home Insurance Study

  • Diminishing deductible feature to lower out-of-pocket claim costs

Cons

  • Only available in 19 states

  • Offers online quotes, but requires talking to an agent to complete the process

More detailschevron icon

Why we chose American Family

American Family is one of the top home insurance companies in Idaho. You can customize your American Family policy with up to 15 additional coverage options — including inland flood, equipment breakdown, and service line coverage.

Although more expensive than the Idaho average, AmFam's many discounts (including paying your premiums all at once, opting for paperless billing, and signing up for automatic payments) can make your premiums even cheaper.

How do American Family home insurance rates compare to the Idaho average?

The average annual cost of American Family home insurance in Idaho is $886 per year, which is 30% less expensive than the statewide average.

How to get a quote

Online with American Family or by contacting a local agent

award icon

2024 Policygenius award winner

Allstate

Allstate logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Allstate is one of the best homeowners insurance companies in Idaho for people looking for more affordable premiums. Besides affordability, Allstate also offers a few perks to lower your deductible each year you go without filing a claim.

Pros and conschevron icon

Pros

  • High-quality and flexible policy options

  • Numerous discounts and features that help you save

  • Below-average customer complaints

Cons

  • No longer sells home insurance policies in California

  • Below-average digital experience rating with J.D. Power

More detailschevron icon

Why we chose Allstate

Besides Allstate's lower-than-average premiums, its high customer satisfaction ratings and excellent coverage options make it a top choice for homeowners in Idaho. We also like that Allstate has discounts for setting up automatic payments, bundling policies, and signing up for coverage before your current policy expires — all easy for many people to qualify for.

It also stands out thanks to its diminishing deductible program each year you go without filing a claim. Your rates also won't go up if you only file one claim within a five-year period.

How do Allstate home insurance rates compare to the Idaho average?

The average cost of an Allstate home insurance policy in Idaho is $2,137 per year, which is 70% more expensive than the state average.

How to get a quote

Online through Policygenius or Allstate, or by contacting a local Allstate agent.

Farm Bureau

Farm Bureau Financial Services logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Farm Bureau offers exceptional customer service and the option to bundle a slew of insurance policies on top of just home insurance, include farm and ranch coverage.

Pros and conschevron icon

Pros

  • Excellent customer service score — received 99% fewer complaints expected for a company of its size in 2021

  • Excellent financial strength rating from A.M. Best, proving it likely has the funds to pay out claims in the wake of a natural disaster

  • Only pay one deductible if your home, car, and boat are damaged in the same event and you bundle your insurance policies with Farm Bureau

Cons

  • Rates are $1,400 more expensive than the national average

  • Only available in 8 states throughout the West

  • Need to have a Farm Bureau membership in your state to purchase insurance

More detailschevron icon

Why we chose Farm Bureau

Farm Bureau offers a complete line of insurance products — from auto, home, life, commercial, and ranch, allowing you to have all of your policies with one company. Farm Bureau is a great option for Idaho residents looking for personalized customer care and recommendations from a local company that knows the area best.  

How do Farm Bureau home insurance rates compare to the Idaho average?

The average cost of Farm Bureau home insurance in Idaho is $2,542 per year, which is about 102% higher than the average annual premium in Idaho.

How to get a quote

By contacting a local Farm Bureau agent

Methodology & why you can trust our rates

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Compare home insurance rates in Idaho

We don't sell your information to third parties.

How much is homeowners insurance in Idaho?

The average cost of homeowners insurance in Idaho is $1,258 per year, or $105 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in Idaho is less expensive than the national average cost of $1,754 per year.

Idaho homeowners insurance rates by city

Home insurance costs in Idaho can vary widely depending on where you live. For example, home insurance in Meriden costs $1,182 per year, while in Moscow the average cost of coverage is $1,303 per year.

Here’s a look at the average cost of home insurance in the 20 largest cities in Idaho.

City

Average monthly cost

Average annual cost

Difference from state average (%)

Boise City

$101

$1,206

-4%

Meridian

$99

$1,182

-6%

Nampa

$101

$1,212

-4%

Idaho Falls

$98

$1,178

-6%

Caldwell

$103

$1,240

-1%

Pocatello

$98

$1,181

-6%

Coeur d'Alene

$93

$1,114

-11%

Twin Falls

$99

$1,186

-6%

Post Falls

$92

$1,098

-13%

Rexburg

$110

$1,320

5%

Lewiston

$92

$1,109

-12%

Eagle

$104

$1,249

-1%

Kuna

$103

$1,231

-2%

Moscow

$109

$1,303

4%

Ammon

$98

$1,181

-6%

Hayden

$95

$1,137

-10%

Mountain Home

$92

$1,109

-12%

Chubbuck

$97

$1,169

-7%

Star

$104

$1,243

-1%

Jerome

$112

$1,338

6%

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Idaho homeowners insurance rates by coverage amount

The table below highlights the average annual premium in Idaho for five different levels of dwelling coverage, which is the part of your policy that covers structural damage to your home.

Generally speaking, more dwelling coverage means higher homeowners insurance rates, as shown in the table below.

Dwelling coverage limit

Average annual cost

$100,000

$601

$200,000

$969

$300,000

$1,258

$400,000

$1,598

$500,000

$1,950

Compare home insurance rates in Idaho

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Cheapest homeowners insurance companies in Idaho

Looking at average home insurance costs for the 15 most popular insurers in Idaho, we found that the cheapest homeowners insurance companies in Idaho are American National, Mutual of Enumclaw Insurance, and Grange Insurance.

Company

Average annual cost

American National

$508

Mutual of Enumclaw Insurance

$805

Grange Insurance

$830

American Family

$886

Oregon Mutual

$987

Nationwide

$1,099

USAA

$1,149

Farmers

$1,232

Foremost

$1,517

Allstate

$2,137

State Farm

$2,329

Farm Bureau Insurance

$2,542

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Cheapest Idaho homeowners insurance if you have poor credit

If you have a poor credit score, your homeowners insurance rates will be higher. Insurance companies charge higher premiums to homeowners with lower credit scores because they believe these policyholders are more likely to make future claims.

Company

Average annual cost

Mutual of Enumclaw Insurance

$1,067

Grange Insurance

$1,193

American Family

$1,233

Oregon Mutual

$1,452

American National

$1,540

Nationwide

$1,581

Farmers

$1,793

USAA

$2,196

Foremost

$2,258

Allstate

$2,781

State Farm

$3,538

Farm Bureau Insurance

$4,184

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Cheapest Idaho homeowners insurance if you have an older home

Older and historic homes are usually more expensive to insure than newer homes. Insurers consider them a higher risk because they can be fragile, their construction materials may be obsolete, and certain structural components like the roof or plumbing may not be in good shape or up to current-day code.

Here are the cheapest home insurance options in Idaho for a 50-year-old home.

Company

Average annual cost

American National

$508

Mutual of Enumclaw Insurance

$825

Grange Insurance

$830

American Family

$917

Oregon Mutual

$987

Nationwide

$1,060

USAA

$1,178

Farmers

$1,232

Foremost

$1,380

Allstate

$2,196

State Farm

$2,339

Farm Bureau Insurance

$2,553

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Cheapest Idaho homeowners insurance if you have a history of claims

One of the biggest factors that plays a role in your home insurance premium is your claims history. You'll typically pay more for home insurance if you have multiple claims on your record, since insurers perceive you as posing a greater risk of filing more claims later on.

Here are the cheapest home insurance companies in Idaho for a homeowner with three claims within a five-year period.

Company

Average annual cost

American National

$737

Grange Insurance

$830

Mutual of Enumclaw Insurance

$1,125

USAA

$1,703

American Family

$1,775

Farmers

$2,033

Oregon Mutual

$2,162

Nationwide

$2,191

State Farm

$2,668

Farm Bureau Insurance

$2,772

Allstate

$3,654

Foremost

$5,057

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Coverage options in Idaho

When buying homeowners insurance in Idaho, you should be aware of what your policy does and doesn’t cover. There are a few additional types of insurance you may need to consider getting to protect against the state’s flooding, wildfires, and tornadoes.

Flood insurance

Most homeowners insurance policies don’t cover flood damage, so Idaho residents in at-risk areas should consider flood insurance on top of their regular insurance policy.

In addition to comparing home insurance quotes, homeowners in Idaho can also compare private flood insurance rates with Policygenius, or choose a policy through a government entity like the National Flood Insurance Program.

Tornado insurance

Although homeowners insurance usually covers wind and tornado damage, be sure you have enough insurance to rebuild your home if it's destroyed in a tornado by adding replacement cost coverage to your policy. It's possible that a company won't cover wind damage or may charge a separate deductible after a tornado damages your home. In this case, you could get a separate windstorm policy — or find another company that does cover wind damage.

Wildfire insurance

It's important for homeowners in Idaho to be prepared for stronger and more frequent wildfires. While most home insurance policies cover fire damage, consider adding replacement cost coverage to be sure you can fully rebuild your home after a fire.

You may have a hard time getting coverage if you live somewhere that's prone to wildfires. If this is the case, you could get coverage from a surplus lines carrier or take steps to lower your fire risk:

  • Creating a defensible space around your home by removing flammable vegetation

  • Tree pruning

  • Raking or removing any dead leaves or brush from your roof, gutter, or yard

  • Installing a fire-resistant “Class A” roof

  • Installing dual- or triple-paned windows

How to buy homeowners insurance in Idaho

Idaho homeowners know the risks of wildfire and flood damage. That's why it's extra important to compare policies from multiple companies to make sure you’re getting the best coverage at the fairest price. 

Here are a few steps to follow as you shop for homeowners insurance in Idaho: 

How to buy home insurance in Idaho

  1. Reach out to a licensed Policygenius agent. Our team of licensed insurance experts are available to help you figure out how much coverage you need and what company offers it at the best price.

  2. Consider purchasing flood insurance. Did you know flooding isn't covered in standard home insurance policies? Some Idaho homeowners are at risk of damage from flooding, so it's important to purchase a separate flood insurance if your house is at risk. A Policygenius agent can help you do this, too.

  3. Figure out how low of a deductible you can afford. You are responsible for paying a deductible every time you file a claim, so you’ll want to figure out how much you’ll be able to afford to pay out of pocket in the event of a loss.

  4. Compare quotes from a Policygenius agent. Once you’ve nailed down your coverage needs and input a few details about your home, a Policygenius agent will walk you through quotes from a few different companies to help you find the best home insurance policy for your house.

  5. Sign the policy and pay your first premium. After you’ve picked out a policy, all that's left to do is sign and pay your first premium. Your Policygenius agent will take care of the rest.

Compare home insurance rates in Idaho

We don't sell your information to third parties.

Frequently asked questions

What is the average cost of homeowners insurance in Idaho?

The average cost of homeowners insurance in Idaho is $114 per month or $1,363 per year.

Is home insurance required in Idaho?

There are no state laws that require home insurance, but most mortgage lenders require you to purchase coverage before they’ll extend you a home loan.

How do I lower my home insurance premiums?

There are a number of ways to lower your insurance costs. You can shop around, find some comparison options and see if you can lower your premiums. You can opt into a higher deductible, as long as you can afford that increased cost out of pocket. It's always a good idea to do a little research and take advantage of different discounts offered by your insurance provider.

Author

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

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