Idaho homeowners pay an average of $1,673 annually for coverage, but rates vary by insurer. American Family charges the lowest premiums at $980 per year, 41% below the state average. Mutual of Enumclaw follows at $1,008 annually, while State Farm offers coverage at $1,249.
Cheapest Home Insurance in Idaho (2026)
Updated: February 1, 2026
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Key Takeaways: Affordable Idaho Home Insurers
Idaho homeowners save 41% choosing American Family at $980 annually versus the state average of $1,661.
Your city affects your premium. American Family charges Meridian residents $879, but Declo homeowners pay $1,082 for identical coverage.
Comparing quotes and asking about discounts helps Idaho homeowners secure their lowest possible rates.
Top 5 Cheapest Home Insurance Companies
| American Family | 5.00 | $980 | -41% |
| Mutual of Enumclaw | 4.98 | $1,008 | -40% |
| State Farm | 4.85 | $1,249 | -25% |
| Farmers | 4.66 | $1,600 | -4% |
| USAA | 4.64 | $1,634 | -2% |
*These rates are based on a house built in 2000 with $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and a $1,000 deductible. We assumed good credit and no claims in the past five years.
COMPARE HOME INSURANCE COMPANIES BEYOND PRICE
Price matters when choosing home insurance, but customer service and coverage options affect your claims experience. Our separate guide to the best home insurance companies in Idaho compares insurers across multiple factors beyond cost.
Cheapest Idaho Home Insurance Rates by Coverage Level
Your home's value affects your insurance costs more than any other factor. A $100,000 home in Idaho costs less to insure than a $1 million property. American Family offers the lowest rates across all coverage levels in our analysis. Use the table below to find the cheapest insurers for your dwelling coverage amount.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
| American Family | $46 | $557 |
| Mutual of Enumclaw | $47 | $564 |
| Farmers | $55 | $658 |
| State Farm | $62 | $749 |
| Nationwide | $70 | $837 |
Cheapest Idaho Home Insurance by City
Your city affects your home insurance rates due to local crime rates, weather risks and construction costs. American Family charges $1,073 annually in Georgetown compared to just $879 in Meridian for the same coverage. American Family offers the lowest rates in all five cities we analyzed. Compare insurers in your area below.
Data filtered by:
Boise
| American Family | $83 | $993 |
| Farmers | $124 | $1,484 |
| Mutual of Enumclaw | $85 | $1,022 |
| State Farm | $104 | $1,253 |
| USAA | $137 | $1,639 |
Cheapest Idaho Home Insurance by Homeowner Profile
Your personal profile affects your home insurance rates as much as your property details. Credit score and claims history create the largest rate differences among Idaho homeowners.
Cheapest Home Insurance Companies in Idaho by Credit Score
Insurers use credit scores to predict claim likelihood, which affects your premium by hundreds of dollars annually. American Family offers the lowest rates across all credit tiers in Idaho.
Data filtered by:
Below Fair
| American Family | $91 | $1,089 |
| Mutual of Enumclaw | $95 | $1,144 |
| State Farm | $110 | $1,322 |
| Farmers | $133 | $1,600 |
| USAA | $171 | $2,057 |
Cheapest Home Insurance Companies in Idaho by Claims History
Filing claims increases your premiums, but the rate increase varies by insurer. American Family maintains the lowest rates for Idaho homeowners regardless of claims history.
Data filtered by:
1 claim in the past 5 years
| American Family | $95 | $1,136 |
| Mutual of Enumclaw | $97 | $1,168 |
| State Farm | $121 | $1,448 |
| Farmers | $155 | $1,855 |
| USAA | $158 | $1,894 |
How to Find the Cheapest Idaho Home Insurance for You
Finding affordable home insurance in Idaho takes effort, but you can lower your costs. Here's how to save on your policy.
- 1Determine Your Coverage Needs
Decide on your coverage limits before shopping to avoid buying more than you need. Understand dwelling coverage, personal property limits and liability protection to get adequate coverage without overpaying.
- 2Shop Around and Compare Quotes
Compare quotes from at least three insurers for identical coverage levels. Idaho home insurance rates vary by hundreds of dollars annually between companies, even for the same home and profile. Gather quotes online, through agents and directly from insurers to find your best rate.
- 3Bundle Your Policies
Save 15% to 25% by bundling your home insurance with auto coverage. Most Idaho insurers offer multi-policy discounts that reduce both premiums.
- 4Ask About Available Discounts
Ask agents about every discount you qualify for, as insurers won't apply them automatically. Common Idaho discounts include protective device discounts for monitored alarm systems (5% to 20% savings), claims-free discounts and new home discounts. Wind and hail-resistant roofing can lower your premium.
- 5Improve Your Credit Score
Idaho allows credit-based insurance scoring, so improving your credit can lower your rates. Pay bills on time and reduce credit card balances to see premium reductions at your next renewal.
Cheap Home Insurance in Idaho: Bottom Line
American Family leads the state with affordable coverage at $980 annually, though your actual rate depends on your home's value, location and personal profile. Compare quotes from at least three insurers to find Idaho's best home insurance rates for your situation. Start with the companies on our list and ask about available discounts to maximize your savings.
Cheapest Home Insurance in Idaho: FAQ
Get answers to common questions about affordable home insurance in Idaho.
Can I get cheaper home insurance with an older home in Idaho?
Older homes cost more to insure due to outdated electrical, plumbing and roofing systems. Lower your premium by updating these systems and providing documentation to your insurer. Replacing knob-and-tube wiring, updating your roof and installing a modern HVAC system can reduce your rates. Some insurers offer renovation discounts when you complete major updates.
How does my roof age affect home insurance costs in Idaho?
Roof age affects your premium and coverage eligibility. Most Idaho insurers charge higher rates for roofs over 15 years old, and some won't cover roofs over 20 years without inspection. A new roof can lower your premium and qualify you for discounts. Insurers provide actual cash value coverage instead of replacement cost for older roofs, paying less when you file claims.
Will getting a dog increase my Idaho home insurance rates?
Some dog breeds increase your liability premium or disqualify you from coverage entirely. Insurers consider pit bulls, Rottweilers, German shepherds and Dobermans high-risk breeds. You'll pay more for liability coverage with these breeds, and some insurers won't cover you at all. Disclose your dog when applying, as hiding this information can lead to claim denials.
Does Idaho require flood insurance for homeowners?
Idaho doesn't require flood insurance unless you have a federally backed mortgage in a high-risk flood zone. Standard home insurance doesn't cover flood damage, so you need separate flood insurance through the National Flood Insurance Program or private insurers.
How We Found the Cheapest Home Insurance Companies in Idaho
MoneyGeek analyzed Idaho rates to identify which companies offer the lowest premiums for homeowners across the state.
We gathered quotes from major insurers through Quadrant Information Services for a standard Idaho home profile. The data shows which companies price competitively for typical homeowners.
Sample Home Profile
We gathered quotes using these specifications to represent a common Idaho homeowner:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home built in 2000
- $1,000 deductible
- No claims in the past 5+ years
This profile reflects a moderately valued home with a clean claims history. Newer homes (built after 1990) get better rates than older properties with outdated electrical and plumbing systems. The $1,000 deductible balances affordable premiums with reasonable out-of-pocket costs when filing claims.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.