Best Idaho Homeowners Insurance for 2026
State Farm is best overall, but Farmers and Mutual of Enumclaw are also worth a look
Advertising Disclosures
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- State Farm is the best homeowners insurance in Idaho thanks to its consistently affordable rates and solid coverage options.
- The average cost of home insurance in Idaho is $1,975.
- Wildfire risk is a growing concern, contributing to over a 15% jump in rates in 2024.
- Idaho does not have a FAIR Plan, so homeowners who are denied private coverage may have limited options.
Best homeowner insurance in Idaho
When evaluating the best homeowner’s insurance in Idaho, we accounted for multiple factors, including rates, coverage options, complaint indexes and how well each insurer serves homeowners in a state with growing wildfire risk.
Best overall homeowners insurance in Idaho : State Farm
Average annual rate: $1,144
Why we chose it: State Farm is consistently one of the most affordable options for Idaho homeowners across all coverage levels. They also offer strong coverage depth, with optional add-ons for coverage like fire department service charge, temporary repairs and personal property replacement cost.
Who it’s best for: State Farm is best for homeowners looking for a good balance of affordability and coverage.
PROS
- Among the lowest average rates in Idaho at every coverage level
- Broad range of coverage options and add-ons
- Large network of local agents throughout the state
CONS
- Complaint index of 1.35 is above the national baseline
- Online quote process may still require an agent follow-up
Best for discounts : Farmers
Average annual rate: $2,255
Why we chose it: Farmers offers one of the longest lists of homeowner discounts of any major insurer, with up to 12 in total. These include common discounts like paperless billing and responsible payment history, but it also includes discounts for upgrades like new roofs, safety alarm systems and green updates.
Who it’s best for: Homeowners looking to take advantage of multiple discounts to offset a higher base rate, especially if they have a newer or renovated home with energy-efficient upgrades.
PROS
- Wide variety of discounts, including for home improvements and safety features
- Loyalty perks like claim forgiveness and a declining deductible over time
- Online quoting, mobile app and 24/7 claims reporting
CONS
- Base rates are higher than average before discounts are applied
- Coverage options are more limited compared to other insurers
Best for customer service : Mutual of Enumclaw
Average annual rate: $1,172
Star rating: N/A
Why we chose it: Mutual of Enumclaw has a complaint index of just 0.16, which is well below the national baseline of 1.0 and one of the lowest of any insurer in Idaho. Their policies have consistently low rates compared to most other insurers, and their home and auto bundle unlocks additional coverage like pet insurance, key and lock replacement and identity fraud replacement. They also have farm and ranch coverage, which can be useful for homeowners in rural areas.
Who it’s best for: Homeowners who value personal service, local expertise and strong customer support.
PROS
- Exceptionally low complaint index (0.16)
- Complimentary wildfire defense services included at no extra cost
- Competitive pricing, consistently the second lowest after State Farm
CONS
- Only available through independent agents, so no direct online quotes
- Limited to the Pacific Northwest region
Compare home insurance rates and ratings in Idaho
| Company | Average annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $1,144 | 4/5 | 1.35 |
 | Mutual of Enumclaw | $1,172 | N/A | 0.16 |
 | Grange | $1,486 |  3/5 | 0.56 |
 | Travelers | $1,516 |  3.5/5 | 0.69 |
 | American Family | $1,733 | 4/5 | 0.36 |
| Farmers | $2,255 | 3.5/5 | 0.71 |
 | Allstate | $2,902 | 4/5 | 1.18 |
 | Nationwide | $3,533 | 3.5/5 | 1.21 |
 | USAA** | $2,035 | 4/5 | 0.52 |
In Idaho, rates can vary significantly between insurers. By comparing multiple options, you can find better pricing and coverage that works for your home’s unique needs.
LendingTree analyzed thousands of quotes from top insurers across Idaho to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in Idaho?
The average cost of home insurance in Idaho is $1,975, or about $165 per month.
That’s still below the national average, but Idaho residents do face increasing costs like many other states in the country. Idaho rates rose 15.33% in 2024, 3.46% in 2025 and have increased a total of 50.39% on average since 2020.
That said, what you’ll pay depends on your location, coverage level and insurer. Rates range from $1,144 with State Farm to $3,533 with Nationwide.
Average home insurance rates by dwelling coverage amount
Rates depend on a number of factors, but one of the most significant is the amount of coverage on your dwelling.
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| State Farm | $976 | $1,144 | $1,386 | $1,700 |
| Farmers | $1,664 | $2,255 | $3,175 | $4,402 |
| Mutual of Enumclaw | $963 | $1,172 | $1,468 | $1,843 |
| State average | $1,559 | $1,975 | $2,559 | $3,390 |
Home insurance rates in Idaho by city
Average home insurance rates in Idaho range from $2,094 to $2,518 per year, depending on your location. Boise City ($2,094), Meridian ($2,100) and Ellis ($2,108) have the lowest average premiums in the state. The highest are in Fenn ($2,518), with Lake Fork and Warren tied for second ($2,464).
The cheapest available premiums tell a different story.
| City | Average rate |
|---|---|
| Aberdeen | $2,365 |
| Ahsahka | $2,321 |
| Albion | $2,177 |
| Almo | $2,171 |
| American Falls | $2,336 |
| Ammon | $2,355 |
| Arbon | $2,254 |
| Arbon Valley | $2,245 |
| Arco | $2,229 |
| Arimo | $2,316 |
| Ashton | $2,239 |
| Athol | $2,248 |
| Atomic City | $2,374 |
| Avery | $2,301 |
| Bancroft | $2,287 |
| Banks | $2,309 |
| Basalt | $2,280 |
| Bayview | $2,173 |
| Bellevue | $2,206 |
| Bern | $2,190 |
| Blackfoot | $2,330 |
| Blanchard | $2,327 |
| Bliss | $2,208 |
| Bloomington | $2,180 |
| Boise City | $2,094 |
| Bonners Ferry | $2,344 |
| Bovill | $2,339 |
| Bruneau | $2,330 |
| Buhl | $2,237 |
| Burley | $2,159 |
| Calder | $2,333 |
| Caldwell | $2,150 |
| Cambridge | $2,331 |
| Carey | $2,236 |
| Careywood | $2,327 |
| Carmen | $2,228 |
| Cascade | $2,319 |
| Castleford | $2,264 |
| Cataldo | $2,220 |
| Challis | $2,134 |
| Chester | $2,223 |
| Chubbuck | $2,348 |
| Clark Fork | $2,351 |
| Clarkia | $2,273 |
| Clayton | $2,171 |
| Clifton | $2,354 |
| Cobalt | $2,284 |
| Cocolalla | $2,366 |
| Coeur d’Alene | $2,157 |
| Colburn | $2,451 |
| Conda | $2,278 |
| Coolin | $2,376 |
| Corral | $2,157 |
| Cottonwood | $2,372 |
| Council | $2,339 |
| Craigmont | $2,319 |
| Culdesac | $2,209 |
| Dalton Gardens | $2,138 |
| Dayton | $2,344 |
| Deary | $2,254 |
| Declo | $2,209 |
| Desmet | $2,291 |
| Dietrich | $2,255 |
| Dingle | $2,354 |
| Donnelly | $2,326 |
| Dover | $2,314 |
| Downey | $2,343 |
| Driggs | $2,175 |
| Dubois | $2,332 |
| Eagle | $2,227 |
| Eastport | $2,315 |
| Eden | $2,170 |
| Elk City | $2,346 |
| Elk River | $2,297 |
| Ellis | $2,108 |
| Emmett | $2,196 |
| Fairfield | $2,171 |
| Felt | $2,181 |
| Fenn | $2,518 |
| Ferdinand | $2,308 |
| Fernwood | $2,267 |
| Filer | $2,220 |
| Firth | $2,363 |
| Fish Haven | $2,203 |
| Fort Hall | $2,304 |
| Franklin | $2,385 |
| Fruitland | $2,314 |
| Garden City | $2,139 |
| Garden Valley | $2,347 |
| Genesee | $2,205 |
| Geneva | $2,174 |
| Georgetown | $2,232 |
| Gibbsonville | $2,229 |
| Glenns Ferry | $2,287 |
| Gooding | $2,190 |
| Grace | $2,292 |
| Grand View | $2,281 |
| Grangeville | $2,345 |
| Greencreek | $2,320 |
| Greenleaf | $2,315 |
| Groveland | $2,329 |
| Hagerman | $2,241 |
| Hailey | $2,134 |
| Hamer | $2,280 |
| Hammett | $2,295 |
| Hansen | $2,232 |
| Harrison | $2,167 |
| Harvard | $2,196 |
| Hayden | $2,183 |
| Hazelton | $2,166 |
| Heyburn | $2,173 |
| Hill City | $2,128 |
| Holbrook | $2,355 |
| Homedale | $2,174 |
| Hope | $2,295 |
| Horseshoe Bend | $2,315 |
| Howe | $2,170 |
| Idaho City | $2,289 |
| Idaho Falls | $2,300 |
| Indian Valley | $2,378 |
| Inkom | $2,350 |
| Iona | $2,313 |
| Irwin | $2,166 |
| Island Park | $2,235 |
| Jerome | $2,198 |
| Juliaetta | $2,229 |
| Kamiah | $2,392 |
| Kellogg | $2,283 |
| Kendrick | $2,271 |
| Ketchum | $2,182 |
| Kimberly | $2,226 |
| King Hill | $2,213 |
| Kingston | $2,291 |
| Kooskia | $2,408 |
| Kootenai | $2,354 |
| Kuna | $2,207 |
| Laclede | $2,293 |
| Lake Fork | $2,464 |
| Lapwai | $2,235 |
| Lava Hot Springs | $2,304 |
| Leadore | $2,312 |
| Lemhi | $2,276 |
| Lenore | $2,289 |
| Letha | $2,356 |
| Lewiston | $2,158 |
| Lewisville | $2,296 |
| Lincoln | $2,287 |
| Lowman | $2,277 |
| Lucile | $2,391 |
| Mackay | $2,138 |
| Macks Inn | $2,249 |
| Malad City | $2,379 |
| Malta | $2,189 |
| Marsing | $2,194 |
| May | $2,285 |
| McCall | $2,373 |
| McCammon | $2,301 |
| Medimont | $2,176 |
| Melba | $2,305 |
| Menan | $2,251 |
| Meridian | $2,100 |
| Mesa | $2,369 |
| Middleton | $2,236 |
| Midvale | $2,299 |
| Monteview | $2,310 |
| Montpelier | $2,171 |
| Moore | $2,207 |
| Moreland | $2,337 |
| Moscow | $2,171 |
| Mountain Home | $2,169 |
| Mountain Home AFB | $2,241 |
| Moyie Springs | $2,332 |
| Mullan | $2,307 |
| Murphy | $2,277 |
| Murray | $2,306 |
| Murtaugh | $2,238 |
| Nampa | $2,177 |
| Naples | $2,323 |
| New Meadows | $2,381 |
| New Plymouth | $2,349 |
| Newdale | $2,233 |
| Nezperce | $2,289 |
| Nordman | $2,360 |
| North Fork | $2,235 |
| Notus | $2,215 |
| Oakley | $2,227 |
| Ola | $2,230 |
| Oldtown | $2,319 |
| Orofino | $2,316 |
| Osburn | $2,295 |
| Paris | $2,203 |
| Parker | $2,372 |
| Parma | $2,340 |
| Paul | $2,235 |
| Payette | $2,332 |
| Peck | $2,188 |
| Picabo | $2,208 |
| Pierce | $2,420 |
| Pinehurst | $2,268 |
| Pingree | $2,365 |
| Placerville | $2,229 |
| Plummer | $2,258 |
| Pocatello | $2,350 |
| Pollock | $2,393 |
| Ponderay | $2,341 |
| Porthill | $2,307 |
| Post Falls | $2,142 |
| Potlatch | $2,166 |
| Preston | $2,306 |
| Priest River | $2,365 |
| Princeton | $2,172 |
| Rathdrum | $2,205 |
| Reubens | $2,272 |
| Rexburg | $2,254 |
| Richfield | $2,288 |
| Rigby | $2,279 |
| Riggins | $2,354 |
| Ririe | $2,250 |
| Riverside | $2,343 |
| Roberts | $2,305 |
| Robie Creek | $2,329 |
| Rockland | $2,245 |
| Rogerson | $2,231 |
| Rupert | $2,257 |
| Sagle | $2,325 |
| Salmon | $2,176 |
| Sandpoint | $2,312 |
| Santa | $2,336 |
| Shelley | $2,334 |
| Shoshone | $2,233 |
| Shoup | $2,257 |
| Silverton | $2,291 |
| Smelterville | $2,268 |
| Soda Springs | $2,308 |
| Spencer | $2,242 |
| Spirit Lake | $2,240 |
| Springfield | $2,303 |
| St. Anthony | $2,263 |
| St. Charles | $2,213 |
| St. Maries | $2,283 |
| Stanley | $2,180 |
| Star | $2,195 |
| Stites | $2,396 |
| Sugar City | $2,249 |
| Sun Valley | $2,196 |
| Swan Valley | $2,198 |
| Swanlake | $2,388 |
| Sweet | $2,255 |
| Sweetwater | $2,230 |
| Tendoy | $2,211 |
| Tensed | $2,295 |
| Terreton | $2,343 |
| Teton | $2,229 |
| Tetonia | $2,155 |
| Thatcher | $2,326 |
| Troy | $2,194 |
| Twin Falls | $2,192 |
| Ucon | $2,294 |
| Victor | $2,157 |
| Viola | $2,163 |
| Wallace | $2,299 |
| Warren | $2,464 |
| Wayan | $2,196 |
| Weippe | $2,348 |
| Weiser | $2,309 |
| Wendell | $2,220 |
| Weston | $2,359 |
| White Bird | $2,353 |
| Wilder | $2,315 |
| Winchester | $2,320 |
| Worley | $2,274 |
| Yellow Pine | $2,286 |
Current state of homeowners insurance in Idaho
Idaho has historically been one of the more affordable states for homeowners insurance, but recent stark increases are impacting homeowners. Rates jumped 15.33% in 2024, and the Idaho Department of Insurance found a nearly 40% increase in average annual premiums between 2022 and 2024. Our data show a 50.39% increase from 2020 to 2025. The total number of home insurance policies in the state also dropped from over 464,000 in 2022 to just over 424,000 in 2024, leaving tens of thousands of homes either uninsured or covered by unlicensed carriers.
Wildfire is a significant factor in rate increases. Idaho ranks in the top 4% of U.S. states for wildfire risk exposure. Ada County — which includes Boise — faces an expected annual wildfire loss of $25 million. Some insurers have responded by non-renewing policies or pulling out of high-risk areas entirely.
Population growth has added to the pressure. Population in Idaho’s most popular counties grew nearly 10% between 2019 and 2023, with new residents attracted by the state’s lower cost of living. That growth has pushed up property values and replacement costs, which in turn drive up premiums.
Unlike some other western states, Idaho does not have a FAIR Plan, which would serve as a last-resort insurance option for homeowners who can’t find private coverage. However, the Idaho Department of Insurance has proposed a Wildfire Risk Mitigation and Stabilization Pool to help insurers manage risk in high-fire areas, along with a fund that would provide grants to help homeowners fireproof their properties.
How to compare homeowners insurance in Idaho
When comparing options, don’t just look at rates, but also consider:
And if you own one or more vehicles, consider bundling your home and auto insurance. Plenty of insurance companies offer significant discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. Lending Tree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Homeowner’s insurance is not required by law in Idaho. That said, if you have a mortgage, your lender will almost certainly require you to carry a policy for the duration of your loan. They’ll likely ask for proof of insurance before closing.
Idaho does not have a FAIR Plan, which means there’s no state-backed insurer of last resort. If you’ve been turned down by private insurers, find out why, because you can make improvements to your home — like upgrading to a fire-resistant roof or replacing outdated plumbing — that could secure you coverage. Working with an independent agent who can shop across multiple carriers can also help.
Idaho does not have a FAIR Plan. However, the Idaho Department of Insurance has proposed a Wildfire Risk Mitigation and Stabilization Pool that would provide reinsurance support to insurers in high-risk areas, potentially helping keep private coverage available.
A standard homeowner’s policy typically covers fire damage, including from wildfires. If you live in a wildfire-prone area, look for insurers like Mutual of Enumclaw that include complimentary wildfire defense services, and consider extended replacement cost coverage in case rebuilding costs exceed your policy limits.
Flood damage, however, is not covered. This means you’ll need a separate flood policy, which you can get through the National Flood Insurance Program or a private insurer. If you live in an area in Idaho at risk of flooding, it’s often recommended to purchase separate flood insurance.
Methodology
How we chose the best homeowners insurance in Idaho
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Idaho ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.
**USAA is only available to current and former members of the military and their families.