Idaho Home Insurance at a Glance
For the same house, homeowners insurance in Idaho averaged $2,506 a year ($209 a month) across the 4 insurers we compared, 19.2% below the average of the 50 states and D.C. That’s for a 2,000 sq ft wood-frame house with a composition roof, built in 1997 and insured for $300,000 with a $1,000 deductible.
For the same home, prices among the 4 insurers we compared ranged from $118 to $317 a month, a $199-a-month gap for identical coverage. These are sample prices for one example home, not quotes or offers.
- $300K dwelling
- $1,000 deductible
- $300K liability
- Built 1997
- Composition roof
- 2,000 sq ft wood-frame house
- See the homes we priced
Rates as of Sept. 30, 2026 · Page updated Nov. 2, 2026
Idaho home insurance: key numbers
- Home
- $2,506/yr $209/mo
- Renters
- $213/yr $18/mo
- Condo
- $347/yr $29/mo
How much is homeowners insurance in Idaho?
Homeowners insurance in Idaho averages $209 a month for the house we priced, with rates as of Sept. 30, 2026. The 4 major insurers we compared are State Farm, Farmers, Allstate and Idaho Farm Bureau, and each one priced our sample home in all 75 Idaho ZIP codes in our data, which span 32 counties. For this house, Idaho is the 21st least expensive of the 50 states and D.C.
Our figures are for a $300,000 dwelling; insuring a larger or costlier house for more usually costs more.
For the same insurers and ZIP codes, the Idaho average didn’t change between Nov. 30, 2025 and Sept. 30, 2026: it was $2,506 a year ($209 a month) on both dates.
Homeowners insurance averages by insurer in Idaho for our sample home (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| State Farm | $118 | $1,418 |
| Farmers | $186 | $2,227 |
| Allstate | $215 | $2,578 |
| Idaho Farm Bureau | $317 | $3,799 |
State Farm averaged $118 a month ($1,418 a year), Farmers $186 ($2,227), Allstate $215 ($2,578) and Idaho Farm Bureau $317 ($3,799) for our sample home.
Same sample home: each insurer’s average yearly price in the same Idaho ZIP codes, Nov. 30, 2025 and Sept. 30, 2026
| Insurer | Nov. 30, 2025 (per year) | Sept. 30, 2026 (per year) | Change |
|---|---|---|---|
| Allstate | $2,578 | $2,578 | No change |
| Farmers | $2,227 | $2,227 | No change |
| Idaho Farm Bureau | $3,799 | $3,799 | No change |
| State Farm | $1,418 | $1,418 | No change |
All 4 insurers in the table priced the same 75 Idaho ZIP codes on both dates.
By ZIP code: each insurer’s yearly price for the same house changed with the Idaho address:
- State Farm ran from $1,165 to $1,826 a year by ZIP code and priced all 75 Idaho ZIP codes in our data.
- Farmers ran from $1,840 to $2,872 a year by ZIP code and priced all 75 Idaho ZIP codes in our data.
- Allstate ran from $1,767 to $3,417 a year by ZIP code and priced all 75 Idaho ZIP codes in our data.
- Idaho Farm Bureau ran from $2,959 to $4,332 a year by ZIP code and priced all 75 Idaho ZIP codes in our data.
Who has the cheapest homeowners insurance in Idaho?
Prices for the same home vary so much by insurer and ZIP code that the lowest one for our sample home may not be lowest for you, so compare a few quotes. The home table above lists every insurer’s average for the same home.
What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Idaho, ZIP code averages for this house ran from $183 a month in Boise to $246 in Priest River, while insurers’ statewide averages ran from $118 to $317.
IdahoRates as of Sept. 30, 2026
Idaho Home Insurance Cost Calculator
Same sample home and coverage in all 75 Idaho ZIP codes we priced, from insurers’ filed rates. Only the insurer and the ZIP code change.
In Idaho, our sample house costs $209 a month ($2,506 a year) on average across 75 ZIP codes and 4 insurers. Rates as of Sept. 30, 2026.
| Insurer | A month | A year | ZIP codes priced |
|---|---|---|---|
| State Farm | $118 | $1,418 | 75 |
| Farmers | $186 | $2,227 | 75 |
| Allstate | $215 | $2,578 | 75 |
| Idaho Farm Bureau | $317 | $3,799 | 75 |
Our sample houseSame in every ZIP code, so only the price changes
- 2,000 sq ft, two-story
- Frame house, composition roof
- Built in 1997
- $300,000 dwelling coverage
- $300,000 liability
- $1,000 deductible
- 2% hurricane deductible where used
- Owner 40, good credit, no claims in 10 years
Sample prices built from insurers’ filed rates, not quotes or offers.
- Lowest and highest ZIP code averages: 83704 (Boise) at $183 a month and 83856 (Priest River) at $246 a month.
- Not in these numbers: some prices from Safeco for this policy carry an insurer note we’re still reviewing, so they stay out until we decide, and we don’t name a lowest price here.
Try a ZIP code:
- Same sample policy in every ZIP code
- Insurers’ filed rates as of Sept. 30, 2026
- Sample prices, not quotes or offers
How we priced this
We priced one sample policy per type. House: a 2,000-square-foot, two-story frame house with a composition roof, built in 1997, with $300,000 in dwelling coverage, $300,000 liability, a $1,000 deductible and a 2% hurricane deductible; a 40-year-old owner with good credit and no claims in 10 years. Condo: a condo policy with $60,000 of condo coverage, $300,000 liability and a $1,000 deductible (building built in 2005); a 40-year-old owner with good credit and no claims. Renters: a renters policy with $40,000 for your belongings, $300,000 liability and a $1,000 deductible; a 40-year-old renter with good credit and no claims. For each insurer and ZIP code we use the lowest price it returned that can actually be bought; a ZIP code’s average is the average of its insurers, and the Idaho average is the average of its ZIP codes, so each ZIP code counts once.
When one insurer’s lead over the next is under 5% or over 30%, we name the two lowest instead of one. Insurers that sell only to members (USAA, AAA clubs) are labeled and never called the lowest price anyone can buy.
Your ZIP code matters
Where is home insurance cheapest in Idaho? Costs by city
For the same house, Boise has the lowest average of the cities in the table, $192 a month, and Pocatello the highest, $216, 3.6% above the state average.
Same sample home: average home insurance prices in 4 Idaho cities (rates as of Sept. 30, 2026)
| City | Per month | Per year | vs. state |
|---|---|---|---|
| Boise 9 ZIP codes | $192 | $2,307 | −7.9% |
| Nampa 3 ZIP codes, small sample | $207 | $2,488 | −0.7% |
| Idaho Falls 4 ZIP codes, small sample | $214 | $2,568 | +2.5% |
| Pocatello 3 ZIP codes, small sample | $216 | $2,597 | +3.6% |
| Idaho 75 ZIP codes | $209 | $2,506 | Baseline |
Each city covers the ZIP codes in our data with that city as their main mailing address; small sample means fewer than 5 ZIP codes.
Lowest vs. highest ZIP code for our sample home (rates as of Sept. 30, 2026)
Lowest
83704
Boise (Ada County)
$183/mo
$2,197 a year
Highest
83856
Priest River (Bonner County)
$246/mo
$2,951 a year
Of the 75 Idaho ZIP codes we priced, Priest River’s 83856 had the highest average for our sample home, about 1.3 times that of the lowest, 83704 in Boise.
The five highest-priced ZIP codes are 83856 in Priest River ($246 a month), 83860 in Sagle ($239 a month), 83661 in Payette ($239 a month), 83805 in Bonners Ferry ($238 a month) and 83655 in New Plymouth ($236 a month).
The five lowest-priced ZIP codes are 83704 in Boise ($183 a month), 83706 in Boise ($183 a month), 83705 in Boise ($186 a month), 83501 in Lewiston ($189 a month) and 83646 in Meridian ($189 a month).
Same house, different state: how does Idaho compare?
Of Idaho’s 6 neighbors, 1 has a higher average for the identical house and 5 a lower one: Idaho’s $209 a month compares with $119 in Oregon and $492 in Montana.
Same sample home: average home insurance prices in Idaho, neighboring states and the 50 states and D.C. (rates as of Sept. 30, 2026)
| Place | Per month | Per year | Idaho vs. this place |
|---|---|---|---|
| Idaho | $209 | $2,506 | Baseline |
| Oregon | $119 | $1,426 | +75.7% |
| Washington | $134 | $1,609 | +55.7% |
| Nevada | $146 | $1,752 | +43.0% |
| Wyoming | $148 | $1,778 | +40.9% |
| Utah | $176 | $2,108 | +18.9% |
| Montana | $492 | $5,905 | −57.6% |
| Average of the 50 states and D.C. | $258 | $3,101 | −19.2% |
Same sample house in every state; each figure averages every insurer we priced there, so one high-priced insurer can lift a state’s average.
Of the other 49 states and D.C., 20 have a lower average for this house than Idaho and 30 a higher one.
Compare all states: home insurance costs for the same house in all 50 states and D.C.
What does an Idaho homeowners policy cover?
A standard homeowners policy pays to repair or rebuild after covered damage such as fire, lightning, wind and hail, theft and some water damage from burst pipes; flood and earthquake damage need separate coverage. All six coverages below are inside the $2,506-a-year Idaho average for our sample home.
- Dwelling ($300,000): the house itself, from the foundation to the roof.
- Other structures ($30,000): a detached garage, carport, fence or shed.
- Personal property ($150,000): furniture, clothes and electronics.
- Loss of use ($30,000): a rental and other extra costs while repairs keep you out.
- Personal liability ($300,000): legal defense and damages if you’re responsible for someone’s injury or property damage.
- Medical payments ($5,000): smaller medical bills for a guest hurt at your home.
Say a storm damages the roof and the repair costs $15,000. With the $1,000 deductible we priced, the policy would pay up to $14,000. With a 2% wind and hail deductible on the same $300,000 house, you’d pay the first $6,000 instead, and the policy up to $9,000.
How much is homeowners insurance on a $300,000 house in Idaho?
For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in Idaho averages $209 a month ($2,506 a year) across the 4 insurers we compared in 75 ZIP codes (rates as of Sept. 30, 2026). That’s 19.2% below the $258-a-month average of the 50 states and D.C. for the same house. Insurers’ averages for that same house ran from $118 to $317 a month.
Is $200 a month a lot for home insurance in Idaho?
$200 a month is 4.2% below our sample home’s $209-a-month Idaho average; Idaho is the 21st least expensive of the 50 states and D.C. for this house. 2 of the 4 insurers we compared averaged under $200 for the same house: State Farm ($118) and Farmers ($186). If a quote for your home is near $200, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.
Why your Idaho quote may differ from these prices
Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.
Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.
Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push an Idaho quote above the $209 a month our claim-free, good-credit owner averages.
Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.
What is the 80% rule in homeowners insurance?
A consumer guide from the National Association of Insurance Commissioners, the group of state insurance regulators, explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.
Why is home insurance cheaper in Idaho than in most states?
For our sample house, Idaho is the 21st least expensive of the 50 states and D.C. Our figures don’t separate causes; these official records show what Idaho homes face.
By July 29, 2026, 530 wildfires had burned 138,812 acres in Idaho, when the governor declared a fire disaster emergency in parts of the state.
Idaho’s Department of Insurance and State Fire Marshal urge homeowners to clear dead plants within five feet of the house, screen and seal vents and use Class A roofing.
How do wind and hail deductibles work in Idaho?
Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample home request also includes a 2% hurricane deductible, a setting we use in every state; real Idaho policies may use a separate wind and hail deductible, so ask for yours.
Your wind and hail deductible in dollars (illustration only)
| Dwelling coverage | 1% | 2% | 5% |
|---|---|---|---|
| $200,000 | $2,000 | $4,000 | $10,000 |
| $300,000 (our sample home) | $3,000 | $6,000 | $15,000 |
| $400,000 | $4,000 | $8,000 | $20,000 |
The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, more than the $2,506 a year that house averages in Idaho.
A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.
How to find cheaper home insurance in Idaho
For our sample home, Idaho insurers’ statewide averages ran from $1,418 to $3,799 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.
Compare at least three insurers: even one insurer’s price moves a lot by address: Allstate’s for our sample home ran from $1,767 to $3,417 a year depending on the Idaho ZIP code.
Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 29 months of Idaho’s $209-a-month average premium).
Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.
Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.
Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.
Guard a clean record: our sample owner has no claims in 10 years, and the $209-a-month Idaho average assumes that clean record; a recent claim can raise a quote.
What if an insurer won’t renew your Idaho home?
Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the Idaho Department of Insurance at 800-721-3272.
In our data, every insurer we compared priced our sample home in all 75 Idaho ZIP codes.
Got a nonrenewal notice?
- Note the date your coverage ends and start shopping now.
- Get quotes from at least three insurers (we compared 4 in Idaho, from $118 to $317 a month for the same house), or ask a licensed agent to compare them for you.
- If the notice looks wrong, call the Idaho Department of Insurance at 800-721-3272.
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How much is renters insurance in Idaho?
Renters insurance for our sample renter averages $18 a month ($213 a year) in Idaho. For our sample renter, prices among the 5 insurers we compared ranged from $10 to $29 a month, a $19-a-month gap for the same coverage.
Renters insurance averages by insurer in Idaho for our sample renter (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| USAA (military families only) | $10 | $116 |
| State Farm | $11 | $130 |
| Safeco | $15 | $180 |
| Farmers | $24 | $288 |
| Idaho Farm Bureau | $29 | $351 |
USAA (military families only) averaged $10 a month ($116 a year), State Farm $11 ($130), Safeco $15 ($180), Farmers $24 ($288) and Idaho Farm Bureau $29 ($351) for our sample renter.
State Farm had the lowest renters average for our sample renter of the insurers anyone can buy from, $11 a month ($130 a year), 27.8% below Safeco’s $180 a year, the next of those insurers. Another insurer may be lower for your apartment, so compare quotes.
Idaho’s renters average is the 13th least expensive of the 50 states and D.C., 16.8% below their average of $21 a month ($256 a year). Our sample renter’s policy costs about 9% of what our sample home costs to insure in Idaho.
For the same insurers and ZIP codes, the Idaho renters average didn’t change between Nov. 30, 2025 and Sept. 30, 2026: it was $18 a month on both dates.
By ZIP code, the Idaho renters average for our sample renter ran from $16 a month in Victor (83455) to $20 in New Plymouth (83655).
Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 375 sample prices by 5 insurers across 75 Idaho ZIP codes.
- $40K belongings
- $300K liability
- $1,000 deductible
What does renters insurance cover in an Idaho apartment?
Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Idaho, that package averages $18 a month; flood and earthquake damage need separate coverage.
How we got these renters prices: each insurer’s average across the 75 Idaho ZIP codes in our data. Sample prices, not quotes or offers.
How much is condo insurance in Idaho?
Condo insurance for our sample condo averages $29 a month ($347 a year) in Idaho. For our sample condo, prices among the 5 insurers we compared ranged from $20 to $47 a month, a $27-a-month gap for the same coverage.
Condo insurance averages by insurer in Idaho for our sample condo (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| State Farm | $20 | $242 |
| Safeco | $22 | $261 |
| Allstate | $25 | $294 |
| Farmers | $31 | $370 |
| Idaho Farm Bureau | $47 | $567 |
State Farm averaged $20 a month ($242 a year), Safeco $22 ($261), Allstate $25 ($294), Farmers $31 ($370) and Idaho Farm Bureau $47 ($567) for our sample condo.
State Farm had the lowest condo average for our sample condo of the insurers anyone can buy from, $20 a month ($242 a year), 7.2% below Safeco’s $261 a year, the next of those insurers. Your unit may price differently, so get a few condo quotes.
Idaho’s condo average is the 12th least expensive of the 50 states and D.C., 27.9% below their average of $40 a month ($481 a year). Our sample condo’s policy costs about 14% of what our sample home costs to insure in Idaho.
For the same insurers and ZIP codes, the Idaho condo average fell 1.8% since Nov. 2025, from $353 to $347 a year, as Safeco’s fell 16.0%, Allstate’s rose 6.5% and Idaho Farm Bureau’s didn’t change.
By ZIP code, the Idaho condo average for our sample condo ran from $27 a month in Victor (83455) to $31 in Fruitland (83619).
Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.
- $60K unit coverage
- $60K belongings
- $1,000 deductible
- Built 2005
Which part of an Idaho condo is yours to insure?
The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $29 a month in Idaho.
What to check with your HOA before you buy condo insurance
- The master policy: ask the association or manager for its certificate of insurance and declarations page.
- Bare walls or more: find out whether it stops at the bare walls or also covers fixtures and finishes; that sets your unit coverage.
- The master deductible: ask how large it is and whether the association can pass part of it to owners after a storm.
- Loss assessment: ask your insurer how much loss assessment coverage your policy includes (it can pay your share if the association bills owners for a covered loss to shared parts of the building).
You may also want to compare: car + home insurance in Idaho
Many Idaho homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.
See Idaho car insurance rates · How bundling home and auto insurance works
Frequently asked questions about home insurance in Idaho
How much is home insurance in Idaho?
For the house we priced, Idaho averages $2,506 a year ($209 a month) across the 4 insurers we compared and 75 ZIP codes, with rates as of Sept. 30, 2026. By ZIP code, the average runs from $183 a month in Boise to $246 in Priest River, so your address matters.
Which Idaho city has the cheapest home insurance?
Of the Idaho cities in our table with at least 3 ZIP codes, Boise had the lowest average for our sample home, $192 a month, and Pocatello the highest, $216.
How much is insurance on a $300,000 home in Idaho?
Our sample home is insured for $300,000 of dwelling coverage, and it averages $209 a month ($2,506 a year) in Idaho across 75 ZIP codes. That’s about $8.35 a year per $1,000 of dwelling coverage, though premiums don’t rise in step with the limit, so quote your own rebuilding cost.
How do I get homeowners insurance quotes in Idaho?
Enter your ZIP code in any quote box on this page to compare free homeowners insurance quotes for your Idaho address. Get at least three: for our sample home, the 3 insurers anyone can buy from that we compared averaged $118 to $215 a month in Idaho.
How much is insurance on a $400,000 house in Idaho?
We priced a $300,000 dwelling, not $400,000. For that house, Idaho averages $209 a month. A $400,000 house usually costs more to insure, so get quotes for your own rebuild cost, and remember the 80% rule.
Does Idaho home insurance cover wind and hail damage?
Generally, yes, minus your deductible: a standard homeowners policy covers wind and hail damage. Some insurers use a separate percentage deductible for wind and hail, so work out what yours means in dollars; on our $300,000 sample house, 2% is $6,000, or $3,494 more than a year of the Idaho average premium for that house.
Is flood damage covered by home insurance in Idaho?
No. A standard Idaho home or renters policy doesn’t cover flooding. You can buy it through federal flood insurance (NFIP) or a private insurer, and a new NFIP policy usually takes 30 days to start, so don’t wait for a storm warning.
Are Idaho home insurance rates going up in 2026?
For the house we priced, the Idaho average was unchanged at $209 a month for the same insurers and ZIP codes between Nov. 30, 2025 and Sept. 30, 2026. Your own renewal depends on your insurer, your home and your claims.
What does renters insurance cost in Idaho?
Our sample renter, insuring $40,000 of belongings with $300,000 liability, pays an average of $18 a month ($213 a year) in Idaho across the 5 insurers we compared.
What does condo insurance cost in Idaho?
Our sample condo, with $60,000 of unit coverage and $60,000 for belongings, averages $29 a month ($347 a year) in Idaho across the 5 insurers we compared.
Who regulates home insurance in Idaho?
The Idaho Department of Insurance licenses insurers, oversees their rates and forms, and helps consumers with complaints about claims and nonrenewals. Its consumer line is 800-721-3272.
Official resources for Idaho homeowners
- Idaho Department of Insurance Consumer help, complaints and licensed insurers. Consumer line: 800-721-3272.
- Idaho governor’s office: 2026 fire emergency The July 2026 wildfire figures.
- National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
- FEMA Flood Map Service Center The official source for FEMA flood maps.
- FloodSmart FEMA’s site for the National Flood Insurance Program.
How we calculated these prices
We priced the same house with 4 major insurers, and the same apartment and condo with 5 insurers each, in each of the 75 Idaho ZIP codes in our data, using licensed insurance rate data from Quadrant Information Services, with rates as of Sept. 30, 2026. Each Idaho figure is the average of the ZIP-code averages, and monthly figures are yearly figures divided by 12. These are sample prices for one example home, renter and condo, not quotes or offers.
Full details
The homes we priced
- Home (HO-3, a standard homeowners policy): Our sample home is a 2,000-square-foot, two-story wood-frame house with a composition roof, built in 1997, insured for $300,000 with $150,000 for belongings, $300,000 liability and a $1,000 deductible for covered losses other than a hurricane. Our home price requests also set a 2% hurricane deductible, the same setting in every state. The owner is 40, single, has good credit and no claims in 10 years.
- Renters (HO-4, a renters policy): Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims.
- Condo (HO-6, a condo unit-owner policy): Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. Same owner profile as the home.
- All three are in protection class 3 (a fire-protection rating), 1,000 feet from a hydrant and 3 miles from a fire station, with the distance to the coast set at 10 miles in every state’s price requests, so differences between ZIP codes come from how each insurer prices that ZIP code.
How the averages work: for each insurer and ZIP code we used its lowest eligible price, averaged the insurers in each ZIP code, then averaged the ZIP codes, so every ZIP code counts the same. Percentages are worked out before rounding, so they can differ slightly from the rounded dollars shown. The price change compares the same insurers in the same ZIP codes on Nov. 30, 2025, and Sept. 30, 2026.
Which insurers we name: we don’t name a lowest-priced insurer when its lead over the next one is more than 30%, or when it was priced in fewer than 90% of a place’s ZIP codes, and we show the average without any insurer priced at more than twice the others. Each section says which insurer, if any, passed these tests for that line. We also never name an insurer that sells only to members, such as USAA (military families only) or an AAA insurer, and when the two lowest are within 5% of each other we call it a near tie.
Sample: Home: 300 sample prices from 4 insurers across 75 ZIP codes in 32 counties. Renters: 375 from 5 insurers. Condo: 375 from 5 insurers. Idaho here means the 75 Idaho ZIP codes in our rate data; cities group them by main post-office city.
Insurer notes: we review every note an insurer attaches to a price before publishing.
- Safeco’s home prices in 75 ZIP codes are left out, shown on their own under the home insurer table: our data doesn’t show what that policy covers.
- Some counted prices carry notes that don’t change the coverage we priced (for example, a rating-tier label); we keep them.
Comparisons: neighboring-state figures use the same method and rates; the 50-states-and-D.C. figure averages each state’s average and D.C.’s.
Sources for local facts: Idaho Department of Insurance, Office of the Governor of Idaho, National Association of Insurance Commissioners, FEMA, Insurance Information Institute.
Rates as of Sept. 30, 2026; price changes compare prices as of Nov. 30, 2025.
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- About the Author
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Autumn Cafiero Giusti is a licensed life and health insurance broker and award-winning journalist with more than 20 years of experience. She writes extensively about flood, Medicare, home, and life insurance for publications like U.S. News and CBS News.
