Allstate has the cheapest rate for homeowners insurance in Idaho at $84 a month. Travelers is the state's second-cheapest home insurance provider at $96 a month.
Despite these home insurers offering rates lower than the state average, you should still compare between multiple companies in order to make sure you get the best coverage possible at the cheapest price.
In this article
Who are the cheapest home insurance companies in Idaho?
The cheapest choice for home insurance in Idaho is Allstate at $84 a month. Travelers has the second-lowest average rate of $96 a month. USAA also offers fairly cheap home insurance to Idaho residents, with an average monthly premium of $111.
| Company | Monthly rate |
|---|---|
| Allstate | $84 |
| Travelers | $96 |
| USAA | $111 |
| Farmers | $120 |
| American Family | $122 |
| State Farm | $175 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much does homeowners insurance cost in Idaho?
The average cost of home insurance in Idaho is $118 a month. This is 19% cheaper than the average national homeowners insurance rate of $146 a month.
When home insurance companies calculate your policy quote, they take these and other factors into account:
- The home's age
- Construction materials used
- Your ZIP code
- Your insurance history
Home insurance companies put different risk values on the factors involved in quoting your premium. One provider may put more weight on construction materials, for example, while another might find a home's age more important. This is why comparing quotes for home insurance is crucial to getting your best rate for the best coverage.
Compare rates from top home insurance companies
The deductible you choose affects your home insurance premium as well. The higher your deductible, the lower your premium.
The best home insurance companies in Idaho
Our research shows that Allstate, Travelers and USAA are the best home insurance providers in Idaho. Here's why:
Allstate: Lowest rates and best customer service
Allstate has the lowest average home insurance rate of $84 a month in Idaho, 29% lower than Idaho's average rate of $118 a month.
Allstate also maintains excellent customer service. It has a rating of 0.76 on the National Association of Insurance Commissioners' (NAIC) Complaint Index. The index compares different insurance providers' capability to resolve claims issues, such as payout and resolution time. The national complaint index is 1.0. The lower the index value, the better. This puts Allstate in a strong position for customer satisfaction.
Travelers: Best for green homes
Travelers has an average home insurance rate of $96 a month for homeowners insurance in Idaho. It also has the best home insurance policy packages if you have an eco-friendly house or are planning on going green. These green benefits include:
- Up to $1,000 reimbursement toward certifying or recertifying a home after a filed loss claim to meet green certification requirements.
- Up to $10,000 reimbursement to certify a green home after a rebuild.
- Up to $25,000 to recycle debris, excluding trees.
- If your home has an LEED certification, you may qualify for Travelers' green discount.
USAA: Best for current and veteran military
USAA is the third-cheapest home insurance company in Idaho, with an average premium of $111 a month. USAA is often considered the best of the best among insurance providers. It also sets the standard for customer satisfaction. In J.D. Power's 2021 U.S. Property Claims Satisfaction Study, USAA received a score of 893 out of 1,000.
Perhaps the only downside of USAA is that it only provides home insurance policies for current or veteran military, as well as their families. If you fall into this category, you could benefit a great deal by going with USAA.
The cheapest home insurance in Idaho by city and county
Of the 10 most populous cities in Idaho, Boise and Caldwell share the cheapest home insurance rates in the state with averages of $66 a month. Meridian and Post Falls have the second-cheapest home insurance rates in the state at $67 a month. Coeur d'Alene has the third-lowest average home insurance rate of $70 a month.
| City | Allstate | Travelers | USAA |
|---|---|---|---|
| Boise | $66 | $87 | $117 |
| Caldwell | $66 | $93 | $106 |
| Coeur d'Alene | $70 | $82 | $102 |
| Eagle | $76 | $82 | $129 |
| Idaho Falls | $94 | $103 | $110 |
| Meridian | $67 | $84 | $101 |
| Nampa | $73 | $85 | $105 |
| Pocatello | $78 | $113 | $117 |
| Post Falls | $67 | $86 | $108 |
| Twin Falls | $77 | $94 | $117 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
When looking at Idaho's biggest counties, Nez Perce County has the cheapest home insurance rate with Allstate at $66 a month, on average. Ada County has the second-cheapest rate in the state, also with Allstate, at $69 a month. Canyon County is the third-cheapest at $77 a month with Allstate.
| County | Allstate | Travelers | USAA |
|---|---|---|---|
| Ada | $69 | $86 | $116 |
| Bannock | $81 | $101 | $117 |
| Bingham | $95 | $96 | $113 |
| Bonner | $96 | $102 | $103 |
| Bonneville | $90 | $100 | $111 |
| Canyon | $77 | $90 | $106 |
| Kootenai | $78 | $89 | $100 |
| Latah | $82 | $101 | $102 |
| Nez Perce | $66 | $100 | $110 |
| Twin Falls | $84 | $99 | $118 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Methodology
We collected quotes from every ZIP code in Idaho from the following home insurance companies:
- Allstate
- American Family
- Farmers
- State Farm
- Travelers
- USAA
Average rates for a standard HO-3 homeowners insurance policy we calculated using the following coverages:
- $275,000 dwelling (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
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