Home Insurance in Idaho — Average Cost 2026
Average home insurance in Idaho: $875/year ($73/month). Idaho ranks #6 out of 51 states — below the national average.
Average annual
$875
Average monthly
$73
National rank
#6
of 51 states
vs national avg
-38.7%
Idaho vs national average
Get your personalized estimate
State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Home insurance in Idaho: wildfire risk
Idaho homeowners pay 39% below the national average for home insurance, with wildfire risk being a significant pricing factor in many parts of the state. Some insurers have reduced or eliminated coverage in high-risk fire zones, making it important to shop carefully and consider state-backed FAIR Plan options if private coverage is difficult to obtain.
Homeowners can reduce premiums through defensible space improvements, fire-resistant roofing materials, and a clean claims history.