Average home insurance cost in Idaho
Idaho sits comfortably in the affordable half of the country at #22 of 51, about 12% below the national average — roughly $295 a year cheaper than the typical American homeowner pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Idaho compares with its neighbors
| State | Annual premium | Difference vs ID |
|---|---|---|
| Idaho | $2,195 | — |
| Washington | $1,880 | −$315/yr |
| Oregon | $1,705 | −$490/yr |
| Montana | $3,765 | +$1,570/yr |
| Utah | $1,810 | −$385/yr |
Idaho home insurance FAQ
How much is homeowners insurance in Idaho?
Home insurance in Idaho averages $2,195 per year — about $183 per month — for a benchmark policy with $400,000 in dwelling coverage, $300,000 liability and a $1,000 deductible. Your rate depends on your home's age, construction, location and claim history.
Is home insurance in Idaho more expensive than average?
No. Idaho's average of $2,195/year is about 12% below the U.S. average of $2,490/year, ranking #22 of 51 (1 = cheapest).
How can I lower my home insurance bill in Idaho?
The four moves that reliably work: compare quotes from at least three carriers (the biggest lever — gaps of $1,000+ per year for identical coverage are common), raise your deductible to an amount you could cover in an emergency, bundle home and auto with one carrier for a 10–25% discount, and ask about discounts for wind-resistant roofing, monitored security systems and claim-free history.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.