Key Takeaways
- Mutual of Enumclaw has the cheapest rate for home insurance in Idaho, at $69 a month.
- Idaho's average home insurance rate is 18% cheaper than the national average.
In this article
Idaho's cheapest home insurance companies
Mutual of Enumclaw has the cheapest average rate for home insurance in Idaho, at $69 a month. Allstate is next, at $103, then American Family, at $146.
| Company | Average monthly rate |
|---|---|
| Mutual of Enumclaw | $69 |
| Allstate | $103 |
| American Family | $146 |
| Farmers | $158 |
| State Farm | $192 |
| USAA | $120 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
USAA has the third-cheapest home insurance in Idaho. However, we don't rank USAA because it only sells insurance to military members and veterans, as well as their families.
How much does home insurance cost in Idaho?
The average cost of home insurance in Idaho is $131 a month. That's 18% less than the national average home insurance rate of $159 a month.
Home insurance companies look at various factors when calculating your quote, including:
- Your ZIP code
- The age of your house
- Construction materials used
- Your claim history
Home insurance companies weigh risk factors differently. For example, one provider may consider the age of your home a higher risk than another when calculating your quote. This is why similar policies have different rates. To get the best coverage for the best price, compare home insurance quotes from multiple providers.
The deductible you choose also affects your quote. If you choose a high deductible, you'll pay a lower rate. The table below shows how the average home insurance rate in Idaho changes with different deductibles.
| Deductible | Average annual rate |
|---|---|
| $500 | $1,521 |
| $1,000 | $1,395 |
| $1,500 | $1,313 |
| $2,000 | $1,259 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Additionally, the amount of dwelling coverage you choose influences your rate. You need enough dwelling coverage to rebuild your house in the event of a total loss. The table below shows average rates in Idaho based on different dwelling coverage limits.
| Dwelling coverage limit | Average annual rate | Average monthly rate |
|---|---|---|
| $200,000 | $1,169 | $97 |
| $350,000 | $1,689 | $141 |
| $425,000 | $1,949 | $162 |
| $500,000 | $2,284 | $190 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
See how much you could save on homeowners insurance
Best homeowners insurance companies in Idaho
Mutual of Enumclaw has the cheapest homeowners insurance in Idaho, while Allstate has the best discounts.
Mutual of Enumclaw: Best rates
$828 a year
$1,395
41% cheaper than the state average
Cheapest rates in Idaho.
Low NAIC Complaint Index (0.60).
Excellent (A-) Financial Stability Rating from A.M. Best.
Policies only available through independent agents.
No online quote option.
Allstate: Best discounts
Home insurance discounts include:
- Bundling
- Claim-free
- Good payment history
Rates lower than state average.
Online quotes not available in some parts of Idaho.
Customer service ratings for home insurance companies in Idaho
Of the biggest home insurance providers in Idaho, American Family has the highest customer service rating. Farmers has the lowest Complaint Index.
Home insurance company customer satisfaction scores
| Company | Overall satisfaction score |
|---|---|
| Allstate | 815 |
| American Family | 842 |
| Farmers | 792 |
| Mutual of Enumclaw | Not ranked |
| State Farm | 829 |
| USAA | 884 |
| Source: J.D. Power 2022 U.S. Home Insurance Study | |
J.D. Power's customer service index rankings are based on customer satisfaction with an insurer's interaction, policy offerings, price, billing process, policy information and claims processes.
Home insurance company complaint ratings
| Company | Complaint Index |
|---|---|
| Allstate | 0.33 |
| American Family | 0.16 |
| Farmers | 0.30 |
| Mutual of Enumclaw | 0.60 |
| State Farm | 0.35 |
| USAA | 0.31 |
| Source: National Association of Insurance Commissioners (2022) | |
American Family has the best Complaint Index in Idaho from the National Association of Insurance Commissioners (NAIC). The lower an insurer's Complaint Index, the better.
Cheapest home insurance in Idaho by city
Of the 10 biggest cities in Idaho, Meridian has the most affordable average homeowners insurance rate, at $1,364 a year. Moore has the highest rate, $1,616 a year.
| City | Average annual rate |
|---|---|
| Meridian | $1,364 |
| Boise | $1,399 |
| Lewiston | $1,452 |
| Twin Falls | $1,482 |
| Post Falls | $1,483 |
| Coeur d'Alene | $1,498 |
| Nampa | $1,500 |
| Caldwell | $1,506 |
| Idaho Falls | $1,562 |
| Pocatello | $1,616 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Meridian
Mutual of Enumclaw has the lowest rate for homeowners insurance in Meridian, $799 a year. Allstate is second-cheapest, at $978 a year.
| Company | Average annual rate |
|---|---|
| Mutual of Enumclaw | $799 |
| Allstate | $978 |
| Farmers | $1,516 |
| American Family | $1,538 |
| State Farm | $2,052 |
| USAA | $1,301 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Boise
Mutual of Enumclaw has the cheapest average home insurance rate in Boise, $845 a year. Allstate has the next-lowest rate, $958 a month.
| Company | Average annual rate |
|---|---|
| Mutual of Enumclaw | $845 |
| Allstate | $958 |
| Farmers | $1,516 |
| American Family | $1,538 |
| State Farm | $2,001 |
| USAA | $1,534 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Lewiston
Mutual of Enumclaw offers the lowest home insurance rate in Lewiston, at $842 a year. Allstate is the next-lowest, at $938.
| Company | Average annual rate |
|---|---|
| Mutual of Enumclaw | $842 |
| Allstate | $938 |
| USAA | $1,393 |
| American Family | $1,770 |
| Farmers | $1,863 |
| State Farm | $1,906 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Idaho by county
Of the 10 largest counties in Idaho, Ada County has the most affordable average homeowners insurance rate of $1,408 a year. Bannock County is the most expensive, at $1,636 a year.
| County | Average annual rate |
|---|---|
| Ada | $1,408 |
| Nez Perce | $1,521 |
| Kootenai | $1,525 |
| Madison | $1,528 |
| Canyon | $1,537 |
| Twin Falls | $1,537 |
| Bonneville | $1,553 |
| Bingham | $1,594 |
| Bonner | $1,623 |
| Bannock | $1,636 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Frequently asked questions
Idaho homeowners insurance costs an average $131 a month, 18% less than the national average.
Mutual of Enumclaw has the lowest rates for home insurance in Idaho, with an average $69 a month.
Methodology
We collected quotes from every ZIP code in Idaho for a standard HO-3 homeowners insurance policy using the following coverages:
- $275,000 dwelling coverage (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
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