We evaluated insurance quotes for a sample 2,000 square foot home in 40 cities across Idaho to determine which cities had the highest and lowest annual home insurance costs. Based on this sample, we found that Idaho homeowners pay an average of $900 per year for home insurance. Below, we profile a number of cities in Idaho and evaluate their homeowners insurance costs. Read more about our findings below or use our toolbar above to find homeowners insurance quotes in your area.
Cheapest Home Insurance Companies in Idaho
We gathered quotes for our sample home across 40 cities from Allstate, Nationwide, State Farm and Farmers. Quotes from each company were averaged to find which insurance company had the cheapest home insurance quotes in Idaho. Of the companies surveyed, we found that, on average, Allstate offers the most competitive rates for the state of Idaho. The graph below shows the average annual cost to insure our sample home by company:
Find the Cheapest Homeowners Insurance Quotes in Your Area
Homeowners Insurance Rates in Idaho's Largest Cities
We evaluated homeowners insurance rates across the ten largest cities in Idaho. Our study used control variables to gather comparable quotes across a number of home insurance companies. We found that on average, homeowners in the ten largest cities pay 8% less than the rest of the state for home insurance. The average cost for homeowners insurance in Idaho’s ten largest cities is $828 per year.
Boise is the capital and most populous city in the state of Idaho. It’s a regional hub for music and boasts the Boise Philharmonic, annual Gene Harris Jazz festival and the Boise Music Festival. Boise is also home to the International “Jaialdi” festival, one of the largest celebrations of Basque culture outside Spain. Hewlett-Packard and Micron Technologies are amongst the biggest tech companies in the region and contribute to Boise’s rapidly growing reputation as a tech hub. ValuePenguin also lists Boise as one of the most health conscious cities in the United States.
Boise has the cheapest home insurance rates in the state, despite being the largest city. The average cost of home insurance in Boise is $727 per year, which is 19% less expensive than the state mean. Farmers offered the most expensive home insurance quote in our Boise sample at $979 annually. Nationwide, the most affordable insurer in the city, quoted our sample home an annual cost of $536, or $443 lower than Farmers.
Nampa is the second largest city in Idaho. Historically, Nampa has been known as a center for agriculture, which is no surprise as the surrounding Canyon County area produces over 90% of the world’s sweet corn seed. Nampa sits at the heart of wine country in Idaho and produces many varieties including Cabernets, Pinots and Syrahs. The surrounding countryside hosts ideal conditions for plant life, and boasts no less than 27 parks.
The cost of insuring a property in Nampa averaged $794 – 12% below the state mean. Home insurance rates in Nampa vary by as much as $500 between insurers. The most affordable rates in Nampa are offered by Allstate at $556 followed by Nationwide at $684. Farmers quoted us the most expensive rate of $1,057.
Meridian is the third largest and fastest growing city in Idaho. Located in southwestern Idaho’s idyllic central valley, there’s over 9,000 feet of elevation difference between the valley floor and surrounding mountaintops outside Meridian. The nearby Bogus Basin Recreation Area and Ski Resort offers a popular getaway for those who enjoy winter sports as well as kayaking and river rafting in the outlying valley streams.
Allstate and Nationwide quoted home insurance rates of $544 and $697 respectively for our sample home. Farmers offered the most expensive rate of $1,037, which is $493 more expensive than the quote offered by Allstate. Overall, Meridian’s homeowners insurance rates are 12% lower than the state average.
Idaho Falls, ID
The state of Idaho is known for its beautiful landscapes and Idaho Falls is no exception. The fourth largest city in Idaho sits along the scenic Snake River, surrounded by the Rocky Mountains. Its proximity to Yellowstone and Grand Teton National Parks makes it a mecca for nature lovers. Idaho Falls was formerly known as Eagle Rock and marks the original site of Taylor’s crossing on the Montana Trail from America’s period of westward expansion.
The average annual homeowners insurance quote in Idaho Falls is $931 per year, which is 3% above the state mean. If you’re looking for affordable home insurance rates in Idaho Falls, we suggest starting with Nationwide which quoted a $633 annual rate for our sample home. Farmers offered the most expensive rate of $1,288 per year, $655 more expensive than Nationwide.
Pocatello, or the famed “Gateway to the Northwest,” was given its name by an Indian chief who granted expanding railroads the right of passage through the lands of the Shoshone tribe. Acting as a junction for settlers traveling the Oregon Trail and later during the gold rush, Pocatello today is officially recognized as the “U.S. Smile Capital” due to an outdated ordinance from 1948, which declared it a crime to not smile. In the spirit of festivity, the city sponsors annual “Smile Days” which continue to raise the spirits of residents and visitors every year.
The mean homeowners insurance quote in Pocatello was $907, just $8 above the state average. Farmers quoted the most expensive rate in Pocatello at $1,384 per year, which is $803 more expensive than than the cheapest quote from Allstate.
Caldwell is the sixth most populous city in the state of Idaho. The city sits along the beautiful Boise River and is home to the College of Idaho, the state’s first private liberal arts college, which counts Rhodes Scholars, former governors and NFL players among its illustrious alumni. For wine connoisseurs, Caldwell is also located in the heart of Idaho’s wine country and boasts no fewer than ten major vineyards and distilleries.
The average home insurance quote for our sample home in Caldwell was $805, which is 11% more affordable than the state mean. Farmers quoted the most expensive annual home insurance cost of $1,041 while Allstate quoted the cheapest cost of $558; spanning a range of $483 between the maximum and minimum values.
Coeur d’Alene, ID
Coeur d’Alene is the seventh largest city in the state and sits along the Lake Coeur d’Alene. The city obtained its name from the shrewd negotiation tactics of the indigenous Native American tribe, whom French fur traders named the “Coeur d’Alene,” or the “heart of an awl.” Today, Coeur d’Alene is an alluring tourist destination surrounded by more than 55 lakes and two major resorts. It also ranks third on ValuePenguin’s Best Cities for Dentists.
Our research found that the average annual home insurance premium in Coeur d’Alene was $879, which is $21 less than the state average. Allstate and Nationwide offered quotes of $640 and $643 respectively, while Farmers and State Farm both quoted annual premiums above the state average at $1,207 and $1,025.
Twin Falls, ID
Twin Falls is the eighth largest city in Idaho and marks the site of Evel Knievel’s fateful 1974 jump over the Snake River on a rocket powered motorcycle. Shoshone Falls, located just outside of the city, is known to many as “The Niagara of the West,” and features a 212-foot drop, 52 feet further than Niagara Falls. The name of the city originated from two parallel waterfalls located in the nearby Snake River Canyon, which have since merged into one waterfall due to the construction of the Twin Falls dam.
On average, residents of Twin Falls pay 3% less for their home insurance than the rest of the state. Nationwide and Allstate quoted rates within $56 of each other for our sample home: $575 and $631 respectively. Farmers offered the most expensive quote of $1,347.
Lewiston is the ninth largest city in the state of Idaho, and was the original capital of the Idaho Territory when it was first established in 1863. Lewiston was founded in 1861 and is the larger of the twin-cities, Lewiston, Idaho and Clarkston, Washington. The twin cities are named after the famous explorer duo, Meriwether Lewis and William Clark, and each city sits on an opposite bank of the Snake River. Lewiston, Idaho is listed among ValuePenguin’s Best Mountain Region Cities for Teachers and Safest Cities to Drive in the USA.
Based on our study, Lewiston’s average annual homeowners insurance rates are 14% less expensive than the state mean; residents pay an average of $772 per year for homeowners insurance. Allstate offered the cheapest quote of $456, followed by Nationwide, which offered a rate $474. Farmers offered the single most expensive quote of $1,241 per year, which is $785 more expensive than the lowest quote.
Post Falls, ID
Rounding out the ten largest cities in the state of Idaho is Post Falls. In its early days, the city of Post Falls hosted a thriving lumber industry and was named after Frederick Post, a German immigrant who built a lumber mill along the Spokane River. Today, Post Falls is surrounded by pristine lakes, winding rivers and scenic mountain trails, offering an enticing getaway for nature lovers.
The average homeowners insurance rate in Post Falls is $805 which represents a 10% discount to the state average. Allstate quoted us the cheapest annual home insurance rate of $548 while State Farm quoted the most expensive annual rate of $950.
Least Expensive Homeowners Insurance in Idaho: by City
The graph below shows the five most affordable cities for homeowners insurance in our study. The cities are listed in order of mean price, starting with the lowest average annual home insurance quote and ascending. We found that Boise is the cheapest city in Idaho for homeowners insurance. On average Boise residents pay $727 annually, 19% less than the state average.
As previously mentioned, Boise is the most affordable city in Idaho for homeowners insurance despite being the most populous. On average, residents of Boise pay $173 less for their homeowners insurance than the average Idaho resident. Nationwide quoted the cheapest rate of $536 while Farmers quoted the highest rate of $979.
Mountain Home, ID
Mountain Home is the second most affordable city for home insurance in Idaho. The mean annual home insurance quote in the city is $738, which is 18% cheaper than the state average. The most affordable rate in Mountain Home was quoted by Nationwide at $472.
Kuna is one of the fastest-growing cities in Idaho and offers the third most affordable home insurance rates in the state. Residents pay on average $759 per year, which is $141 less than the state average. The cheapest quote was offered by Allstate at $657 a year.
Also on our list of the ten largest cities in Idaho, Lewiston ranks fourth on our list of cities with the cheapest homeowners insurance in the state. On average, residents pay $772 for homeowners insurance, which represents a 14% discount to the state mean. On an annual basis, residents save $128 on homeowners insurance versus the state average.
Moscow ranks fifth in ValuePenguin’s top five cheapest cities for homeowners insurance in Idaho. Residents of Moscow, Idaho pay around $792 per year for homeowners insurance, with Allstate and Nationwide quoting the cheapest rates of $626 and $647, respectively.
Most Expensive Homeowners Insurance in Idaho: by City
The graph below shows the five most expensive cities for homeowners insurance in our study. The cities are listed in order of price, starting with the highest average annual rate and descending. The most expensive city for homeowners insurance was Bonners Ferry where we calculated an average annual rate of $1,060, which is $160 more expensive than the state average.
We studied 40 cities, spread out geographically across the state of Idaho. The sample home we reviewed was built in the year 2000, had 2,000 square feet across two stories, and cost $200,000. Quotes for this home were obtained from Allstate, Nationwide, State Farm and Farmers insurance companies for each city surveyed. The rates were then averaged across each city. For an alphabetical list of all the cities included in our analysis, please see the chart below. We've displayed all of the cities surveyed, from Blackfoot to Weiser, showing the average annual cost of insurance for the benchmark property and how much homeowners insurance costs in each city relative to the state average.
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