The Best and Cheapest Home Insurance Companies in Idaho (2026)
State Farm offers the cheapest home insurance rates for most homeowners in Idaho, at an average of $1,054/yr. | ||
Home insurance in Idaho costs an average of $1,759/yr, making it considerably cheaper than the national average. | ||
Boise has some of the cheapest home insurance in the state, with average rates around $1,608 per year |
State Farm offers the cheapest home insurance rates for most homeowners in Idaho, at an average of $1,054/yr. | ||
The average cost of home insurance in Idaho is $1,759/yr. The average in Boise is a bit cheaper, at $1,608/yr. |
Find Cheap Home Insurance Quotes in Idaho
Who has the best cheap home insurance in Idaho?
What's the cheapest home insurance in Idaho?
State Farm and Mutual of Enumclaw have the cheapest home insurance rates for most people in Idaho.
Find Cheap Home Insurance Quotes in Idaho
- State Farm offers the cheapest rates for most homes in Idaho. The company's rates for homes that cost at least $350,000 to rebuild, called dwelling coverage, are 40% to 55% cheaper than the statewide average.
- Mutual of Enumclaw is the cheapest option if you have a home that would cost less than $350,000 to rebuild. A Mutual of Enumclaw policy with $200,000 of dwelling coverage costs 36% less than the Idaho average and is $38 less per year, on average, than State Farm.
- Grange is also an affordable option in Idaho, no matter the price of your home. The company also has a good blend of coverage options and quality customer service.
Cheapest home insurance companies in Idaho by dwelling coverage amount
$200,000
$350,000
$500,000
$1 million
Company | Annual rate | ||
|---|---|---|---|
| Mutual of Enumclaw | 4.5 out of 5 | $736 | |
| State Farm | 3.5 out of 5 | $774 | |
| Grange | 5.0 out of 5 | $803 |
| Travelers | 3.0 out of 5 | $838 | |
| American Family | 3.5 out of 5 | $1,049 | |
| Farmers | 2.8 out of 5 | $1,121 | |
| Allstate | 2.5 out of 5 | $1,683 | |
| Nationwide | 2.5 out of 5 | $1,929 | |
| USAA | 4.0 out of 5 | $1,350 | |
Key takeaways
- Home insurance rates in Idaho went up by a little more than 3% in 2025. That's less than the national average and a considerable drop from the previous few years. In 2023 and 2024, Idaho home insurance prices went up 17% and 15%, respectively.
- Farm Bureau, State Farm and Chubb didn’t increase their rates in the state, with no company raising prices by more than 17%.
- Water is the top cause of damage to Idaho homes. That's despite the state experiencing very few damaging floods in recent years. Instead, the majority of the water damage is likely because of more mundane causes, such as leaking pipes or older roofs.
Best home insurance for most people in Idaho: State Farm
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Annual cost$1,054Average rate for a $350,000 home
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Monthly cost$88Average rate for a $350,000 home
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Customer complaints Average
Best in Idaho for cheaper homes: Mutual of Enumclaw
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Annual cost$736Average rate for a $200,000 home
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Monthly cost$61Average rate for a $200,000 home
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Customer complaints Low
Best for extra coverage in Idaho: Grange
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Annual cost$1,290Average rate for a $350,000 home
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Monthly cost$107Average rate for a $350,000 home
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Customer complaints Low
Best Idaho homeowners insurance companies
Grange is the best-rated company for homeowners insurance in Idaho
The company has the best combination of cheaper-than-average rates, helpful coverage add-ons, discounts and hands-on customer service.
Mutual of Enumclaw and USAA are also good options. USAA is only available to active military members, veterans, their spouses, children of USAA members and certain federal employees. Mutual of Enumclaw is a regional company with low rates and well-rated customer service.
Top-rated Idaho insurance companies
Company |
Rating
|
Complaints
|
|---|---|---|
| Grange | 5.0 out of 5 | Low |
| Mutual of Enumclaw | 4.5 out of 5 | Low |
| USAA | 4.0 out of 5 | Low |
| American Family | 3.5 out of 5 | High |
| State Farm | 3.5 out of 5 | Average |
| Travelers | 3.0 out of 5 | Average |
| Farmers | 2.8 out of 5 | Average |
| Allstate | 2.5 out of 5 | Average |
| Nationwide | 2.5 out of 5 | High |
How much is homeowners insurance in Idaho?
Homeowners insurance in Idaho costs an average of $1,759 per year.
Dwelling coverage | Average rate |
|---|---|
| $200,000 | $1,143 |
| $350,000 | $1,759 |
| $500,000 | $2,404 |
| $1,000,000 | $4,535 |
Idaho home insurance costs 27% less than the national average, which is $2,395 per year.
Rates in Idaho are more expensive than several of its neighboring states in Nevada, Oregon, Utah and Washington. Rates in Wyoming and Montana are more expensive, by at least 19%.
Idaho home insurance rates by city
Boise, the largest city in Idaho and state capital, has the cheapest home insurance in the state.
The average rate in Boise is $1,608 per year for $350,000 of dwelling coverage.
Fenn, a small community just outside the Nez Perce Reservation, has the most expensive coverage in the state, at $2,012 per year. This might be because of fire risks and its rural location.
Mutual of Enumclaw is the cheapest home insurance company in about 57% of the cities in the state. State Farm is the cheapest in 36% of the cities, with Grange and Travelers as the cheapest options in the rest of Idaho.
Find Cheap Home Insurance Quotes in Idaho
Average home insurance cost in Idaho by city
City | Average rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Aberdeen | $1,878 | Mutual of Enumclaw | $1,049 |
| Ahsahka | $1,811 | Mutual of Enumclaw | $989 |
| Albion | $1,695 | Mutual of Enumclaw | $1,068 |
| Almo | $1,690 | State Farm | $1,035 |
| American Falls | $1,856 | Mutual of Enumclaw | $1,071 |
| Ammon | $1,885 | Mutual of Enumclaw | $1,047 |
| Arbon | $1,770 | State Farm | $1,035 |
| Arbon Valley | $1,761 | Mutual of Enumclaw | $1,037 |
| Arco | $1,830 | Mutual of Enumclaw | $1,111 |
| Arimo | $1,801 | Mutual of Enumclaw | $1,048 |
| Ashton | $1,778 | Mutual of Enumclaw | $1,046 |
| Athol | $1,719 | Mutual of Enumclaw | $993 |
| Atomic City | $1,864 | State Farm | $1,035 |
| Avery | $1,852 | State Farm | $1,035 |
| Bancroft | $1,812 | Mutual of Enumclaw | $989 |
| Banks | $1,826 | Mutual of Enumclaw | $1,016 |
| Basalt | $1,772 | Mutual of Enumclaw | $1,020 |
| Bayview | $1,695 | Grange | $993 |
| Bellevue | $1,757 | State Farm | $1,061 |
| Bern | $1,750 | Mutual of Enumclaw | $936 |
| Blackfoot | $1,822 | State Farm | $1,124 |
| Blanchard | $1,772 | Grange | $993 |
| Bliss | $1,723 | Mutual of Enumclaw | $1,111 |
| Bloomington | $1,745 | Mutual of Enumclaw | $976 |
| Boise City | $1,608 | State Farm | $998 |
| Bonners Ferry | $1,852 | Grange | $993 |
| Bovill | $1,914 | Mutual of Enumclaw | $1,016 |
| Bruneau | $1,795 | Mutual of Enumclaw | $1,192 |
| Buhl | $1,729 | State Farm | $1,010 |
| Burley | $1,677 | State Farm | $999 |
| Calder | $1,885 | Mutual of Enumclaw | $984 |
| Caldwell | $1,672 | State Farm | $966 |
| Cambridge | $1,802 | Mutual of Enumclaw | $1,071 |
| Carey | $1,787 | Mutual of Enumclaw | $1,106 |
| Careywood | $1,771 | Grange | $993 |
| Carmen | $1,805 | Mutual of Enumclaw | $1,014 |
| Cascade | $1,831 | Mutual of Enumclaw | $1,076 |
| Castleford | $1,755 | State Farm | $1,041 |
| Cataldo | $1,743 | Mutual of Enumclaw | $960 |
| Challis | $1,756 | Mutual of Enumclaw | $1,025 |
| Chester | $1,762 | State Farm | $1,035 |
| Chubbuck | $1,832 | Mutual of Enumclaw | $1,051 |
| Clark Fork | $1,795 | Mutual of Enumclaw | $968 |
| Clarkia | $1,824 | Mutual of Enumclaw | $1,006 |
| Clayton | $1,789 | State Farm | $1,035 |
| Clifton | $1,862 | Mutual of Enumclaw | $1,048 |
| Cobalt | $1,858 | State Farm | $1,035 |
| Cocolalla | $1,812 | Grange | $993 |
| Coeur d'Alene | $1,679 | State Farm | $922 |
| Colburn | $1,899 | Grange | $993 |
| Conda | $1,803 | Mutual of Enumclaw | $1,013 |
| Coolin | $1,821 | Grange | $993 |
Rates are for a policy with $350,000 of dwelling coverage.
What home insurance do I need in Idaho?
Wildfires are one of the largest natural threats to homeowners in Idaho, so it's crucial make sure your policy covers wildfire damage.
Water damage caused the highest repair costs for homes in Idaho, from both weather and other damage, such as broken pipes or leaking appliances.
Does ID home insurance cover wildfire damage?
Regular homeowner insurance policies should protect you from fire, including wildfires. However, if you live in an area at high risk of wildfires, it's possible some companies won't sell you fire insurance. Every insurance company calculates risk differently, so you may need to call several insurers to get a quote.
The state of Idaho had 12 wildfires that each did at least $1 billion in damage between 2006 and 2024. Idaho also averaged a billion-dollar drought every 1.8 years, which could also set conditions for a large fire.
That said, one factor lowering risks is that although much of Idaho is at a high fire risk, most buildings are in lower-risk areas. There were a total of 440 wildfires in 2024, but less than 9% of the buildings in the state are at a high risk.
Does Idaho home insurance cover water damage?
Regular home insurance should cover most damage from events such as a broken pipe or leaky washing machine, but it won't cover flood damage.
That's less of a concern in Idaho because the state experiences relatively few damaging floods. The National Flood Insurance Program only had to pay out 35 total claims in the state between 2020 and 2025.
Does Idaho home insurance cover earthquakes?
Standard home insurance almost never covers earthquakes or other kinds of earth movement, like mudslides.
If your home is located in an area at risk for earthquakes or rock slides, talk to your home insurance company about buying earthquake insurance. Parts of central and eastern Idaho are prone to earthquakes, which includes larger towns such as Rexburg and Idaho Falls.
How to find the best home insurance in Idaho
The best home insurance in Idaho should combine strong customer service, affordable rates and the extra coverages you need to protect your home. To find the right choice for you, start by deciding how much coverage you need, and then compare quotes and reviews from multiple companies.
Understand how much coverage you need. Standard home insurance policies usually come with the same basic coverages, although some companies can offer different or better protections.
For example, if you can get USAA, you could take advantage of its wildfire response program.
Get quotes from multiple companies. In Idaho, the most expensive company costs nearly three times as much as the cheapest, State Farm. That could mean saving more than $2,000 per year for the same coverage.
Companies also consider things differently when setting rates, such as your insurance history or how your home is built. That means the cheapest option for you might not be the same as for your friends and neighbors.
Check out customer service reviews. If an emergency happens, how your insurance company treats you will suddenly become extremely important. If the claims process is easier and quicker, you'll have less stress in a challenging time.
Worse service might mean waiting longer to repair your home, and you could end up spending more.
A good place to start is by reviewing ValuePenguin editor's ratings. These ratings include customer service scores, convenience, coverage options and the company's overall value.
If you're looking for more information, you can also use the J.D. Power home insurance and property claims satisfaction surveys or the National Association of Insurance Commissioners’ (NAIC) complaint index.
Idaho home insurance trends
Home insurance rates in Idaho went up by more than 50% in the past five years, a bit more than the national average.
After seeing double-digit increases in both 2023 and 2024, Idaho rate hikes have slowed. Prices went up just 3.5% in 2025.
Idaho home insurance rate increases, 2020-2025
Year | Rate increase |
|---|---|
| 2021 | 2.19% |
| 2022 | 4.66% |
| 2023 | 17.20% |
| 2024 | 15.33% |
| 2025 | 3.46% |
Home insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
Chubb, Farm Bureau and State Farm raised rates the least in Idaho during the past five years. Farm Bureau didn't raise rates at all, while State Farm and Chubb increased prices by less than 23% and 25%, respectively.
Liberty Mutual raised rates the most, by more than 88%. Auto Owners and Nationwide also both raised rates by more than 78%.
Frequently asked questions
What is the best homeowners insurance in Idaho?
Grange is the top option for Idaho home insurance because of a strong combination of coverage options, low rates and good customer service. State Farm and Mutual of Enumclaw are also good companies in the state.
How much is homeowners insurance in Idaho?
The average cost of homeowners insurance in Idaho is $1,759 per year for a policy with $350,000 in dwelling coverage. That's 27% cheaper than the national average.
What's the cheapest homeowners insurance in Idaho?
State Farm and Mutual of Enumclaw have the cheapest coverage in Idaho, depending how much it would cost to rebuild your home. The companies' rates are usually at least 30% cheaper than the state average.
Methodology
To find the best cheap home insurance in ID, ValuePenguin collected and analyzed home insurance quotes from every ZIP code across the state of Idaho from the state's largest home insurance companies. Rates are for a 45-year-old married man with no history of insurance claims and a good credit score. Quotes are for a 2,311 square foot home built 42 years ago, based on the average home age and size in Idaho.
Quotes include the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
This analysis used insurance rate data from Quadrant Information Services. These rates were generated using insurance company filings and other public sources. They should be used for comparative purposes only and your own quotes will likely be different.
ValuePenguin ranked each company's customer service by comparing the National Association of Insurance Commissioners (NAIC) complaint index, J.D. Power's home insurance customer satisfaction rankings and our ValuePenguin editor's ratings.
Sources:
About the Author
Managing Editor
Ben Breiner is the Managing Editor of ValuePenguin/LendingTree's insurance vertical. He oversees a team of writers who focus on guiding readers through the rigors of home and auto coverage. He still loves that moment when the words fall together and he can translate an intimidating topic so a reader can make the best choice.
Ben got involved in insurance in 2021 when he joined ValuePenguin. He moved up from writer to editor and watched the team grow to expand the ways it helps consumers. Before that, he spent a decade as a sportswriter for newspapers in the Southeast and Midwest.
Ben had to put off buying his first car because of high insurance rates, so he's keenly aware how the wrong policy can get in the way of your goals. He should've shopped around and looked to the experts.
Insurance tip
Always keep an eye out for insurance you can load up on at a low price. A lot more liability coverage won't break the bank and protects your hard-earned assets.
Expertise
- Car insurance
- Home insurance
- Renters insurance
Education
- BA, Economics and Journalism, University of Wisconsin-Madison
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
