Best Homeowners Insurance in Idaho
Best Idaho home insurance companies
Cheapest home insurance companies in Idaho
Nationwide is the second-cheapest company at $1,325 a year, which is 39% cheaper than Idaho’s average.
Idaho’s cheapest home insurance quotes
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Mutual of Enumclaw | $957 | Not rated |
 | Nationwide | $1,325 |  |
 | Allstate | $1,575 |  |
 | Travelers | $1,738 | |
 | USAA* | $1,835 | |
 | American Family | $2,499 | |
 | Farmers | $2,512 | |
 | State Farm | $2,669 | |
 | Farm Bureau | $4,494 | |
*USAA is only available to active-duty and veteran military members and their families.
Best homeowners insurance companies in Idaho
Mutual of Enumclaw offers the cheapest home insurance rates in Idaho. Allstate has the best discount options, and Travelers is the best for green homes.
Idaho’s best home insurance companies
| Company | Best for | Annual rate | Overall satisfaction* | Complaint index** |
|---|---|---|---|---|
| Mutual of Enumclaw | Low rates | $957 | Not rated | 0.89 |
| Allstate | Discounts | $1,575 | 631 | 1.3 |
| Travelers | Green homes | $1,738 | 609 | 0.85 |
*Source: J.D. Power’s 2024 U.S. Home Insurance Study. Higher scores are better.
**Source: NAIC Complaint Index data from 2023. Lower scores are better; 1.0 is average.
Best for cheap rates: Mutual of Enumclaw
Mutual of Enumclaw offers the cheapest homeowners insurance in Idaho at an average of $957 a year. A big perk of getting home insurance from Mutual of Enumclaw is its wildfire coverage, which is included even with standard policies.
Pros
Cheapest average rate in Idaho
Good complaint rating
Easy-to-use app
Cons
No online quotes
Few discounts
Best for discounts: Allstate
Allstate’s average rate of $1,575 a year is 28% cheaper than the state average of $2,175 a year. It also offers many discounts that could lower your home insurance premium even more, including discounts for:
- Bundling your home and auto policies
- Becoming and staying an Allstate policyholder
- Signing up for autopay
- Installing windstorm mitigation
Pros
Many discounts
Below-average home insurance rates
Savings when you don’t file a claim
Cons
Customer satisfaction and complaint ratings are below-average
Best for eco-friendly homes: Travelers
Travelers offers a 5% discount for homeowners who have had their house certified “green” by the Leadership in Energy and Environmental Design (LEED) organization. Travelers’ average rate of $1,738 a year is also 20% less than the state average.
Pros
Cheap average rate
Green home discount
Cons
Low overall customer satisfaction
May have a banned dog list in your area
Cost of home insurance in Idaho
When calculating your home insurance quote, insurers use many factors besides where you live. These include the:
- Age of your home
- Quality of construction materials
- Chosen coverage limits and deductible
Different insurance companies weigh these factors differently. For example, one insurer may see the age of your house as a higher risk than another company, and it may charge you more because of it. This is why it’s important to compare quotes from many companies before you buy or renew a policy.
Idaho home insurance rates by coverage amounts
The dwelling coverage limit you choose for your home insurance policy impacts your final rate. The higher the limit, the higher your rate.
For example, Idaho homeowners pay around $246 more per year for a home insurance policy with a $450,000 dwelling coverage limit than one with a $400,000 limit.
If you own a newer-build home, raising your deductible could be a good way to cut home insurance costs. The higher you set your deductible, the lower your annual premium.
Average annual rate by dwelling coverage
| Dwelling coverage limit | Annual rate |
|---|---|
| $350,000 | $1,947 |
| $400,000 | $2,178 |
| $450,000 | $2,424 |
Idaho home insurance rates by city
Home insurance rates near you
| City | Annual rate |
|---|---|
| Aberdeen | $2,509 |
| Ahsahka | $2,496 |
| Albion | $2,411 |
| Almo | $2,341 |
| American Falls | $2,441 |
| Ammon | $2,506 |
| Arbon | $2,444 |
| Arbon Valley | $2,426 |
| Arco | $2,442 |
| Arimo | $2,491 |
| Ashton | $2,445 |
| Athol | $2,403 |
| Atomic City | $2,453 |
| Avery | $2,454 |
| Bancroft | $2,455 |
| Banks | $2,485 |
| Basalt | $2,459 |
| Bayview | $2,410 |
| Bellevue | $2,397 |
| Bern | $2,358 |
| Blackfoot | $2,402 |
| Blanchard | $2,501 |
| Bliss | $2,452 |
| Bloomington | $2,345 |
| Boise | $2,251 |
| Bonners Ferry | $2,369 |
| Bovill | $2,499 |
| Bruneau | $2,505 |
| Buhl | $2,506 |
| Burley | $2,399 |
| Calder | $2,431 |
| Caldwell | $2,426 |
| Cambridge | $2,428 |
| Carey | $2,481 |
| Careywood | $2,486 |
| Carmen | $2,487 |
| Cascade | $2,516 |
| Castleford | $2,538 |
| Cataldo | $2,464 |
| Challis | $2,403 |
| Chester | $2,342 |
| Chubbuck | $2,411 |
| Clark Fork | $2,546 |
| Clarkia | $2,505 |
| Clayton | $2,395 |
| Clifton | $2,476 |
| Cobalt | $2,521 |
| Cocolalla | $2,523 |
| Coeur d'Alene | $2,465 |
| Colburn | $2,514 |
| Conda | $2,540 |
| Coolin | $2,487 |
| Corral | $2,449 |
| Cottonwood | $2,469 |
| Council | $2,606 |
| Craigmont | $2,542 |
| Culdesac | $2,456 |
| Dalton Gardens | $2,389 |
| Dayton | $2,444 |
| Deary | $2,470 |
| Declo | $2,390 |
| Desmet | $2,392 |
| Dietrich | $2,453 |
| Dingle | $2,505 |
| Donnelly | $2,520 |
| Dover | $2,524 |
| Downey | $2,530 |
| Driggs | $2,411 |
| Dubois | $2,371 |
| Eagle | $2,384 |
| Eastport | $2,391 |
| Eden | $2,405 |
| Elk City | $2,454 |
| Elk River | $2,508 |
| Ellis | $2,359 |
| Emmett | $2,307 |
| Fairfield | $2,351 |
| Felt | $2,317 |
| Fenn | $2,511 |
| Ferdinand | $2,628 |
| Fernwood | $2,449 |
| Filer | $2,419 |
| Firth | $2,464 |
| Fish Haven | $2,416 |
| Fort Hall | $2,428 |
| Franklin | $2,556 |
| Fruitland | $2,562 |
| Garden City | $2,375 |
| Garden Valley | $2,419 |
| Genesee | $2,466 |
| Geneva | $2,327 |
| Georgetown | $2,348 |
| Gibbonsville | $2,396 |
| Glenns Ferry | $2,442 |
| Gooding | $2,401 |
| Grace | $2,388 |
| Grand Total | $2,474 |
| Grand View | $2,457 |
| Grangeville | $2,514 |
| Greencreek | $2,534 |
| Greenleaf | $2,492 |
| Groveland | $2,453 |
| Hagerman | $2,435 |
| Hailey | $2,384 |
| Hamer | $2,352 |
| Hammett | $2,408 |
| Hansen | $2,453 |
| Harrison | $2,416 |
| Harvard | $2,354 |
| Hayden | $2,359 |
| Hazelton | $2,363 |
| Heyburn | $2,332 |
| Hill City | $2,307 |
| Holbrook | $2,389 |
| Homedale | $2,434 |
| Hope | $2,464 |
| Horseshoe Bend | $2,547 |
| Howe | $2,440 |
| Idaho City | $2,428 |
| Idaho Falls | $2,478 |
| Indian Valley | $2,489 |
| Inkom | $2,548 |
| Iona | $2,496 |
| Irwin | $2,402 |
| Island Park | $2,385 |
| Jerome | $2,386 |
| Juliaetta | $2,368 |
| Kamiah | $2,493 |
| Kellogg | $2,517 |
| Kendrick | $2,449 |
| Ketchum | $2,424 |
| Kimberly | $2,417 |
| King Hill | $2,430 |
| Kingston | $2,417 |
| Kooskia | $2,543 |
| Kootenai | $2,606 |
| Kuna | $2,435 |
| Laclede | $2,404 |
| Lake Fork | $2,601 |
| Lapwai | $2,572 |
| Lava Hot Springs | $2,483 |
| Leadore | $2,545 |
| Lemhi | $2,528 |
| Lenore | $2,511 |
| Letha | $2,539 |
| Lewiston | $2,443 |
| Lewisville | $2,368 |
| Lincoln | $2,398 |
| Lowman | $2,442 |
| Lucile | $2,544 |
| Mackay | $2,491 |
| Macks Inn | $2,358 |
| Malad City | $2,444 |
| Malta | $2,468 |
| Marsing | $2,389 |
| May | $2,500 |
| McCall | $2,522 |
| McCammon | $2,578 |
| Medimont | $2,443 |
| Melba | $2,422 |
| Menan | $2,412 |
| Meridian | $2,282 |
| Mesa | $2,368 |
| Middleton | $2,464 |
| Midvale | $2,425 |
| Monteview | $2,434 |
| Montpelier | $2,377 |
| Moore | $2,384 |
| Moreland | $2,437 |
| Moscow | $2,399 |
| Mountain Home | $2,361 |
| Mountain Home AFB | $2,397 |
| Moyie Springs | $2,468 |
| Mullan | $2,486 |
| Murphy | $2,459 |
| Murray | $2,440 |
| Murtaugh | $2,440 |
| Nampa | $2,390 |
| Naples | $2,428 |
| New Meadows | $2,587 |
| New Plymouth | $2,586 |
| Newdale | $2,447 |
| Nezperce | $2,421 |
| Nordman | $2,516 |
| North Fork | $2,476 |
| Oakley | $2,406 |
| Ola | $2,384 |
| Oldtown | $2,450 |
| Orofino | $2,520 |
| Osburn | $2,472 |
| Parker | $2,472 |
| Parma | $2,536 |
| Paul | $2,489 |
| Payette | $2,463 |
| Peck | $2,452 |
| Picabo | $2,387 |
| Pierce | $2,494 |
| Pinehurst | $2,507 |
| Pingree | $2,448 |
| Placerville | $2,464 |
| Plummer | $2,418 |
| Pocatello | $2,460 |
| Pollock | $2,564 |
| Ponderay | $2,581 |
| Porthill | $2,522 |
| Post Falls | $2,410 |
| Potlatch | $2,319 |
| Preston | $2,430 |
| Priest River | $2,573 |
| Princeton | $2,445 |
| Rathdrum | $2,345 |
| Reubens | $2,422 |
| Rexburg | $2,424 |
| Richfield | $2,459 |
| Rigby | $2,444 |
| Riggins | $2,492 |
| Ririe | $2,502 |
| Riverside | $2,425 |
| Roberts | $2,429 |
| Robie Creek | $2,459 |
| Rockland | $2,484 |
| Rogerson | $2,443 |
| Rupert | $2,423 |
| Sagle | $2,472 |
| Salmon | $2,475 |
| Sandpoint | $2,471 |
| Santa | $2,518 |
| Shelley | $2,498 |
| Shoshone | $2,480 |
| Shoup | $2,456 |
| Silverton | $2,433 |
| Smelterville | $2,412 |
| Soda Springs | $2,434 |
| Spencer | $2,402 |
| Spirit Lake | $2,397 |
| Springfield | $2,438 |
| St. Anthony | $2,389 |
| St. Charles | $2,377 |
| St. Maries | $2,408 |
| Stanley | $2,413 |
| Star | $2,339 |
| Stites | $2,454 |
| Sugar City | $2,494 |
| Sun Valley | $2,370 |
| Swan Valley | $2,397 |
| Swanlake | $2,470 |
| Sweet | $2,470 |
| Sweetwater | $2,428 |
| Tendoy | $2,443 |
| Tensed | $2,434 |
| Terreton | $2,450 |
| Teton | $2,426 |
| Tetonia | $2,327 |
| Thatcher | $2,401 |
| Troy | $2,425 |
| Twin Falls | $2,360 |
| Victor | $2,350 |
| Viola | $2,297 |
| Wallace | $2,363 |
| Warren | $2,540 |
| Wayan | $2,498 |
| Weippe | $2,435 |
| Weiser | $2,499 |
| Wendell | $2,443 |
| Weston | $2,485 |
| White Bird | $2,549 |
| Wilder | $2,497 |
| Winchester | $2,484 |
| Worley | $2,467 |
| Yellow Pine | $2,475 |