The Best Cheap Renters Insurance in Idaho (2025)
State Farm has the cheapest renters insurance in Idaho, at $10 per month for $30,000 of personal property coverage on average.
Compare Cheap Renters Insurance in Idaho
Best Cheap Renters Insurance in ID
To find the best renters insurance in Idaho, ValuePenguin editors rated companies by costs, coverage, unique offerings and customer service.
Our experts gathered 160 quotes from the 25 largest cities and towns in Idaho to find the cheapest rates in ID.
Most affordable renters insurance in ID
State Farm has the cheapest renters insurance quotes in Idaho.
The company's plans cost an average of $10 per month for $30,000 of personal property coverage That's roughly half the Idaho state average.
Allstate also has affordable rates at $15 per month on average. However, Allstate has a poor reputation for customer service, and the company offers fewer discounts and coverage add-ons than many of its competitors.
Compare Cheap Renters Insurance in Idaho
Renters insurance in Idaho is slightly cheaper than the national average. Rates are similar in nearby Oregon and Nevada. But, Idaho has more expensive coverage on average than Washington, Montana and Wyoming.
Top renters insurance companies in Idaho
Company | Monthly cost | ||
|---|---|---|---|
| State Farm | $10 | |
| Allstate | $15 | |
| Amica | $18 | |
| Progressive | $19 | |
| Assurant | $23 | |
Best renters insurance in Idaho for most people: State Farm
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Editor's rating
- Cost: $10/mo
State Farm has the best cheap renters insurance in Idaho.
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Cheap quotes
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Good renters-auto bundle
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Coverage add-ons available
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Above average customer satisfaction
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Only a few discounts available
State Farm has the most affordable renters insurance policies in Idaho.
In Idaho, State Farm charges $10 per month for $30,000 of personal property coverage on average. That's $130 per year cheaper than the state average.
State Farm has one of the best renters-auto bundling discounts among top insurance companies. Consider State Farm for renters insurance if you already have a State Farm auto policy.
State Farm has a good reputation for customer service. The company scored well on customer satisfaction in a recent J.D. Power survey of top renters insurance companies. Plus, State Farm gets a roughly average amount of complaints for a company its size.
State Farm lets you personalize your policy with many coverage add-ons, such as identity theft protection, replacement cost coverage and higher coverage limits for expensive items like jewelry and high-end electronics. Some State Farm agents also sell flood insurance for renters.
State Farm offers fewer discounts than many of its competitors. To get the cheapest rates, it's important to factor in all the discounts you qualify for when comparing quotes.
Best Idaho renters insurance for customer service: Amica
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Editor's rating
- Cost: $18/mo
Amica has a strong reputation for customer satisfaction.
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Affordable rates
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Good customer service
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Limited extra coverage options
Amica has a strong reputation for customer service. The company gets fewer complaints than an average company its size. In addition, Amica took the number one spot in J.D. Power's most recent property claims satisfaction survey for homeowners insurance That means you're less likely to experience frustrating delays when you file a claim.
Amica also charges affordable rates. In Idaho, an Amica renters policy costs $18 per month for $30,000 of personal property coverage on average. That's 14% below the state average.
You can lower your monthly rate even more by taking advantage of Amica's discounts for renters insurance.
Amica renters insurance discounts
- Claims-free
- Renters-auto bundling
- Auto-pay
- Loyalty
- E-discount
Best renters insurance in Idaho for extra coverage: Progressive
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Editor's rating
- Cost: $19
Progressive lets you personalize your policy with a range of coverage add-ons.
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Many coverage extras and discounts available
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All policies come with replacement cost coverage
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Affordable rates
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Weak customer service
Progressive lets its customers personalize their renters policies with many coverage add-ons.
Idaho renters can customize their policies with extras like:
- Earthquake coverage
- Higher overall coverage limits
- Identity theft protection
- Higher limits for valuable items like jewelry and high-end electronics
- Coverage to fix major appliances you own like a portable AC unit or refrigerator
- Coverage for damage caused by mold
- Coverage for damage caused by pets
All Progressive renters policies pay the full cost to replace the stuff you own, called replacement cost coverage. Many companies require that you pay extra to get replacement cost coverage. Otherwise, you may get actual cash value coverage which covers the cost of your property minus wear and tear.
Progressive renters policies cost an average of $19 per month for $30,000 of personal property coverage. That's slightly cheaper than the Idaho state average. You can lower your monthly rate if you qualify for one or more discounts. For example, Progressive lets you save with a renters-auto bundling discount, a discount if you live in a gated community and a discount if you get a quote at least three days before you buy.
A major drawback to Progressive is its weak customer service. The company gets about 50% more complaints than an average company its size. Progressive also scored last on the most recent JD Power renters insurance customer satisfaction survey.
Choosing a company with a poor customer service reputation may mean you'll have a more difficult time when you file a claim.
Idaho renters insurance: Costs by city
Meridian, a Boise suburb, has the most expensive renters insurance in Idaho, at $25 per month on average.
Lewiston, a small city near Oregon, has the cheapest renters insurance in Idaho, at $19 per month on average.
How much you pay for renters insurance depends in part on where you live. Crime rates, some natural disasters and the cost of labor and materials can all impact your monthly rate.
City | Monthly rate | % from average |
|---|---|---|
| Blackfoot | $22 | 6% |
| Boise | $21 | -1% |
| Burley | $22 | 4% |
| Caldwell | $20 | -2% |
| Chubbuck | $21 | 4% |
How to get the cheapest renters insurance in Idaho
To get the cheapest renters coverage in Idaho, it's a good idea to:
Find the right amount of coverage
Add up the cost of everything in your apartment or rented home. Your personal property coverage shouldn't be higher than the cost of your stuff.
That's because renters insurance will never pay more than what your property is worth. In addition, many policies take wear and tear into account when it comes to paying out claims, called actual cash value.
Renters insurance includes coverage to pay for injuries that happen in your apartment or rented home, called liability coverage. For example, if someone slips on your driveway, your liability coverage would cover their medical bills.
Liability coverage is cheap and important. Without liability insurance, you may be responsible for tens of thousands of dollars or more if someone sues you after getting hurt on your rented property. Many companies let you raise your liability limits to $1 million or more by buying a separate umbrella policy.
Compare quotes
One of the easiest ways to save on your renters coverage is to compare quotes.
You could save $270 per year by switching from the most expensive renters insurance company in Idaho, American Family, to the cheapest, State Farm. You don't need to sacrifice coverage or quality to get a cheaper rate.
For example, State Farm gets fewer complaints and has a better J.D. Power customer satisfaction rating than American Family. Amica also has affordable rates, and it's the best renters insurance company in Idaho for customer satisfaction.
Take advantage of discounts
Most renters insurance companies in Idaho offer one or more discounts. Bundling your renters and auto insurance is one of the best ways to save on your renters coverage. Other common discounts include pay in full, signing up for online bill pay and going several years without filing a renters insurance claim.
Common natural disasters to watch out for in Idaho
You may need coverage for floods and fires depending on where you live in Idaho.
Does renters insurance cover wildfires in Idaho?
Wildfires have burned over 400,000 acres in Idaho this year.
Wildfires have become more common in Idaho in recent years because of global warming. Fortunately, renters insurance typically covers fire and smoke damage. Keep in mind that renters insurance won't pay for damage to the building you live in. That's your landlord's responsibility.
Some renters policies also pay for you to stay at a hotel, AirbnB or VRBO, called loss of use coverage. Loss of use coverage doesn't come with every policy, so it's important to check your plan details before you buy.
Flood coverage for renters in Idaho
Floods are one of the most common natural disasters in Idaho.
Normal renters insurance does not cover flood damage. If you live in a basement or ground floor unit in a flood-prone area, consider getting a separate flood insurance policy for renters.
You can find your area's risk level by using FEMA's free online map tool.
Idaho renters insurance trends
Renters insurance prices have gone up 15.8% in Idaho over the last six years.
Idaho renters insurance rates for different companies went up between 2.2% and 62.8 % over the last six years, with an overall increase of 15.8%. Only one company, Progressive, saw a decrease, by 4.2%.
Renters insurance prices, on average, decreased in 2020 and 2021, but then jumped by 13.7% across 2023 and 2024.
Among the biggest ID insurers, the biggest increases have been at Auto-Owners (62.8%), Nationwide (33.1%) and Farmers (30.5%).
Renters insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
Frequently asked questions
Who has the best renters insurance in Idaho?
State Farm has the best renters insurance in Idaho. The company has cheap rates and a good reputation for customer satisfaction.
Does Idaho require renters insurance?
No, Idaho does not require renters to carry insurance. However, your landlord may require you to have renters insurance as part of your lease agreement.
What is the average cost of renters insurance in Idaho?
Renters insurance in Idaho costs $21 per month for $30,000 of personal property coverage on average. Keep in mind that your monthly rate depends on factors like where you live, the company you choose and the discounts you qualify for.
Methodology
ValuePenguin collected 160 quotes from Idaho's 25 largest cities for a single 30-year-old woman who has never filed a claim before. Coverage limits include:
- $30,000 of personal property coverage
- $9,000 for loss of use
- $500 deductible
- $100,000 of personal liability
- $1,000 of medical payments to guests
Customer service ratings were created using renters insurance quotes, complaint data from the National Association of Insurance Commissioners (NAIC) and the most recent J.D. Power 2023 renters insurance customer satisfaction survey.
These rates are only for comparative purposes. Your quotes will differ.
Natural disaster-related information was taken from the Idaho Office of Emergency Management, the U.S. Department of Agriculture and the National Interagency Fire Center.
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.
