Average Home Insurance Cost in Idaho

Idaho homeowners spend $139 monthly for standard coverage on frame homes built in 2000. Annual costs total $1,673, which is 52% below national rates.

*These rates are for a frame construction home built in 2000 with $250,000 dwelling, $125,000 personal property, $200,000 liability coverage and a $1,000 deductible.

Location, coverage amount, home construction details, your chosen insurer, credit score and claims history determine Idaho rates. Each factor shifts premiums by hundreds of dollars annually based on individual risk assessment.

Company selection affects your Idaho premium more than most other rating factors. Switching from Idaho Farm Bureau to American Family saves more annually ($2,066) than improving your credit from poor to excellent ($1,057). This makes comparison shopping your highest-return time investment.

Idaho premiums don't scale linearly with coverage increases. Doubling your dwelling coverage from $250K to $500K increases your premium by only 80%, not 100%. This happens because insurers spread their fixed costs across policies, and total losses remain relatively rare. The scaling pattern means higher coverage levels often deliver better per-dollar value than minimum protection.

City rates vary by up to 8% across Idaho, based on weather patterns, construction costs, and property values.

Home age creates surprisingly small premium differences in Idaho—just $461 annually between newest and oldest properties. This 37% spread pales compared to credit's 89% impact or company selection's 210% range. Insurers price home age modestly because Idaho's dry climate prevents the rot and moisture damage that plagues humid states. The small spread also suggests that well-maintained older homes compete effectively against new construction on risk metrics.

Moving up one credit tier cuts your premium by roughly 10% to 15% in Idaho. The most dramatic savings appear when climbing from poor to good credit, which drops your annual cost by $572. This savings potential explains why some Idaho homeowners prioritize credit repair before shopping for coverage. Better credit lowers your rate at purchase and keeps working for you at each renewal.

Idaho's $1,673 average annual premium ranks 52% below the national average, making it one of America's most affordable home insurance markets. Four key factors drive these low rates.

Idaho's average $1,673 annual premium offers room for savings through strategic shopping and risk reduction.

Homeowners in Idaho often ask questions about how claims, home age and credit scores affect insurance premiums.

Idaho homeowners see quotes vary by thousands of dollars for identical coverage, sometimes six times more. We built our rate analysis to isolate what actually drives your costs, helping you identify where you can save and where you should spend.

Our baseline home: $250,000 dwelling coverage, $125,000 personal property, $200,000 liability and a $1,000 deductible. This frame home, built in 2000 with a composition roof and no claims in five years, reflects Idaho's median home value and most common construction age. We chose these specifications because they represent the typical Idaho homeowner's situation.

We changed one variable at a time to measure each factor's real cost impact. For home age, we compared rates for identical coverage on homes built in 1980, 2000 and 2020. For credit scores, we requested quotes using excellent, good, below fair and poor credit while keeping all other details the same. This approach shows exactly what each factor costs, not general trends or estimates.

Your actual rates depend on your home's age, construction type, roof condition, coverage limits, claims history, credit score and ZIP code. Use these comparisons to focus on the factors you can control.