Renters Insurance

The Best Cheap Renters Insurance in Idaho

The Best Cheap Renters Insurance in Idaho

State Farm has the cheapest prices for renters insurance in Idaho, with an average rate of $115 per year, or a little under $10 per month.

The average cost of renters insurance in Idaho is $14 per month, or $169 per year. Going with State Farm will save a renter 32%, or $55 annually, compared to the typical price.

Compare Cheap Renters Insurance in Idaho

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We collected quotes from six top renters insurance companies across Idaho to find the cheapest quotes. When choosing the best renters insurance company, it's important to consider coverage options and customer service, in addition to affordability.

Cheapest renters insurance companies in Idaho

The cheapest renters insurance in Idaho is available at State Farm, at an average price of about $10 per month.

The average cost of renters insurance in Idaho is $14 per month, and most insurance companies were similarly priced. The most expensive option, Farmers, is only $6 more per month than State Farm.

The Cheapest Renters Insurance in Idaho

Compare Cheap Renters Insurance in Idaho

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Renters insurance in Idaho is 21% more affordable compared to the rest of the country. Nationwide, renters insurance usually costs about $18 per month.

Monthly cost
State Farm logo
State Farm$10
Nationwide logo
Travelers logo
Amica logo
Allstate logo
Farmers logo

Best renters insurance for most people: State Farm

State Farm has the best prices for renters insurance in Idaho, and it has a strong network of agents.
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The good:

  • Affordable prices
  • Lots of offices
  • Good service

The bad:

  • Few extra coverage options
  • Online quotes not always available

We recommend State Farm as the best renters insurance for people in Idaho. It has low rates of just $115 per year, or about $10 per month. That's the cheapest we found in the state and 32% less than the state's average cost overall.

State Farm is one of the largest insurance companies in the country, and it has local agents across Idaho. If you prefer to buy your policy in person or have a dedicated agent to help you with your insurance questions, State Farm is a great choice.

State Farm's customer service is good but not top tier. It received about 25% fewer complaints than a typical renters insurance company, relative to its size, suggesting customers tend to be satisfied with their experience.

The biggest drawback to State Farm is its lack of coverage options. Most renters will be satisfied with the basic options available at State Farm (and any other insurer). But if you need specialized coverage like water backup coverage, you should look at another insurer.

In addition, State Farm does not always offer online quotes, depending on where in Idaho you live. Residents of some parts of Idaho may have to contact an agent directly to buy a policy.

Best customer service: Amica

Amica has the best customer service of all the companies we looked at in Idaho.
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The good:

  • Highly rated service

The bad:

  • Slightly above-average rates

For renters looking for high-quality service at an affordable price point in Idaho, we recommend Amica. It's just a few dollars more expensive per year than our top pick and has generally well-rated service.

Amica received a 5/5 in our renters insurance service ratings, reflecting its customers’ generally positive experiences. And it receives less than half as many complaints as a typical insurance company, according to the National Association of Insurance Commissioners (NAIC) — suggesting customers tend to be satisfied with the treatment they receive.

The average price at Amica is $180 per year. That's $11 per year more expensive than the average rate but a $65 difference per year from our cheapest pick, State Farm.

However, you may be able to reduce that price by taking advantage of Amica's plentiful discounts, including discounts for being claim-free and bundling your policy, in addition to buying online. But keep in mind, renters insurance discounts tend to be smaller than home and auto insurance because renters insurance is already so inexpensive.

Best coverage options: Travelers

Travelers has the best selection of optional coverages in Idaho.
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The good:

  • Great coverage options

The bad:

  • High rates
  • Average service
  • You must pay your bill in annual installments

For Idaho renters who want the best possible selection of coverage options from their insurer, we recommend Travelers. It has a wider set of choices than any other insurer we reviewed.

However, Travelers' rates are 50% higher than our top pick, and you have to pay for a year of coverage upfront.

At Travelers, you can purchase coverage options like replacement cost coverage for your property, valuable items coverage and extended liability. It also offers a few options we didn't see at other insurers, like water backup coverage.

The price of renters insurance at Travelers was $175 per year, or $15 per month. That's just a bit more than the statewide average of $169 annually.

Customer service at Travelers received mixed reviews. While it receives relatively few complaints according to the NAIC, it was rated worst among the companies in J.D. Power's home insurance survey.

Idaho renters insurance: Costs by city

The most expensive city for renters insurance in Idaho is Burley, where we found a typical price of $187 per year.

That's 16% more than the price in the cheapest city, Enfield, where the typical cost is only $161 per year.

Renters insurance costs can change based on where you live. Your bill might be lower if you live in an area with a low crime rate or higher if your area is susceptible to wildfires. However, the cost of renters insurance is relatively consistent across Idaho when compared to other states.

Average annual cost
Difference from state average (%)
Coeur D'Alene$1750%
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Top-rated renters insurance companies in Idaho

USAA and Amica have the best-rated customer service among renters insurance companies in Idaho.

These two companies have generally favorable reviews and few complaints, according to the NAIC. They both also have strong ratings from our ValuePenguin editors, and USAA is J.D. Power's top pick for customer satisfaction.

Unfortunately, USAA is only available to people affiliated with the military, which kept it from being our top pick.

Great customer service means you’ll have your questions answered while buying a policy or filing a claim, and you'll be fairly and promptly paid after your claim is approved.

State Farm

Frequently asked questions

How much is renters insurance in Idaho?

Renters insurance in Idaho costs $14 per month, on average. Idaho renters can find the cheapest quotes from State Farm, where a policy costs $10 per month.

Does Idaho require renters insurance?

Renters insurance is not required by law in the state of Idaho. You may have to purchase coverage if your landlord or property management company requires it as a part of your lease agreement, though.

What does renters insurance cover in Idaho?

Renters insurance should always cover property damage, personal liability, additional living expenses and medical payments to guests. In addition, many companies allow you to increase your protection by buying extra coverage, like protection for expensive belongings.

How much is renters insurance in Boise?

Renters in Boise pay $14 per month for insurance, on average. That's 2% less than the average rate in Idaho. Rates are $1 less per year in the suburb of Meridian.


We evaluated quotes from seven major insurance companies in 24 cities across Idaho. All sample rates are for an unmarried 25-year-old renter who lives alone and has no recent renters insurance claims.

Personal property$30,000
Personal liability$100,000
Medical payments$1,000
Loss of use$9,000

Listed coverage applied where available.

Top picks are determined by our experts who analyzed rates, customer service and coverage options.

Renters insurance star ratings are based on the National Association of Insurance Commissioners (NAIC) Complaint Index, the J.D. Power customer service satisfaction index and ValuePenguin's editors' rankings.

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.