🏠 Home insurance cost in Idaho (2026)
The estimated average is $1,495 per year — below the national average (-35% vs. the U.S. average of $2,300).
Idaho is home to about 2.0 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Boise typically differ from smaller towns.
Estimate your home insurance in Idaho
Idaho home insurance estimator
Starts from the Idaho average. Estimate only — get quotes to confirm.
Home insurance cost in Idaho cities
| City | Population | Est. home insurance |
|---|---|---|
| Boise | 237,446 | $1,495 |
| Meridian | 132,142 | $1,495 |
| Nampa | 106,179 | $1,495 |
| Idaho Falls | 66,898 | $1,435 |
Idaho home insurance FAQ
How much is home insurance in Idaho?
The estimated average home insurance in Idaho is $1,495 per year, which is below the national average (-35% vs. the U.S. average of $2,300). Idaho ranks 40 of 51 states from most to least expensive.
Why is home insurance cheaper in Idaho?
Home insurance pricing in Idaho reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the West.
How can I save on home insurance in Idaho?
Compare at least three quotes from insurers active in Idaho, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.