Mutual of Enumclaw is the cheapest home insurance option for most homeowners in Idaho, with an average monthly savings of $427. Below is a summary of the most affordable providers in the state.
Cheapest Home Insurance in Idaho
Updated: May 27, 2025
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Key Takeaways
Nationwide offers the cheapest homeowners insurance in Idaho if you own a new home or have bad credit.
Customers can find savings of up to 86% from the cheapest overall providers in Idaho: Nationwide, Mutual of Enumclaw and American Family.
If you live in a high-fire-risk area, American Family is the cheapest provider for home insurance in Idaho.
What is the Cheapest Home Insurance in Idaho?
| Mutual of Enumclaw | $72 | $863 | 41% |
| American Family | $79 | $953 | 35% |
| Nationwide | $84 | $1,012 | 31% |
| Farmers | $123 | $1,474 | -0% |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
THE CHEAPEST COMPANY MAY NOT BE THE BEST FOR YOU
Price is important to consider for home insurance, however it's also useful to know about a company's customer service reputation and coverage options. To help, we've created a separate guide to the best home insurance companies in Idaho, giving you more information to make the best decision for your situation.
Cheapest Idaho Home Insurance Rates by Category
While we’ve listed the cheapest options for most homeowners, those rates may not reflect your specific situation. For instance, while Mutual of Enumclaw is typically the cheapest overall, Nationwide offers the best rates for newer homes. To help, we’ve outlined the cheapest companies on average for common categories.
| Mutual of Enumclaw | Older Homes | $72 |
| Nationwide | Newer Homes | $34 |
| American Family | Homes in High Risk Fire Areas | $79 |
| Mutual of Enumclaw | Bad Credit | $112 |
*Rates are modified based on our methodology’s base profile. Newer home estimates are based on a home built in 2023, high-risk fire estimates are for a policy with 8-class fire protection, and bad credit rates assume a poor credit score on the FICO scale.
Compare Personalized Cheap Idaho Home Insurance
The companies listed above typically provide the best rates for their categories, but actual rates vary based on your unique profile. Use the filter below to get a personalized list of the cheapest providers for your situation.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Claims History:Claim free for 5+ years
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Credit Tier:Good
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Home Age:Older Homes
| American Family | $79 | $953 |
| Nationwide | $88 | $1,055 |
| Mutual of Enumclaw | $88 | $1,056 |
| State Farm | $135 | $1,622 |
| Farmers | $142 | $1,707 |
Cheapest Idaho Home Insurance By City
Risk factors for insurers vary by location, making some providers more affordable than others. For example, Mutual of Enumclaw is the cheapest in most cities, including Boise City and Meridian. However, other providers might offer lower rates in different areas of the Gem State.
| Boise City | Mutual of Enumclaw | $73 |
| Meridian | Mutual of Enumclaw | $70 |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
How To Find the Cheapest Idaho Home Insurance for You
Finding affordable home insurance in Idaho can be challenging, but you can significantly lower your costs with some effort. Below are our core recommendations to help you maximize savings on your policy.
- 1
Determine your coverage needs
It's easy to get oversold on coverage when you don't have limits in mind before buying. Determine your home insurance coverage needs beforehand to avoid purchasing too much. Understanding the different types of home protection available helps ensure you don't miss something important.
- 2
Research home insurance cost information
Research home insurance costs in Idaho for your profile and available discounts to understand what qualifies as affordable. When ready to buy, ask agents directly about all discounts you may qualify for, as insurers won't apply them automatically.
- 4
Compare multiple companies apples to apples
Once you know your coverage levels and type, compare quotes from different companies for that coverage to get the best deal. We recommend gathering as many quotes as possible using different methods to get your best rate.
Cheap Home Insurance Idaho: Bottom Line
Mutual of Enumclaw, American Family, and Nationwide offer Idaho's most budget-friendly home insurance. Denied coverage? Turn to the TFPA for low-cost policies. Always compare several insurers, look into costs, and understand what coverage you need before you choose.
Cheapest Home Insurance Idaho: FAQ
Below are answers to common questions about the cheapest home insurance in Idaho.
What is the cheapest home insurance company in Idaho?
Nationwide offers the lowest rates for newer homes in Idaho at $34 per month or $411 per year. However, homeowners with older properties or higher fire protection needs may find better rates with Mutual of Enumclaw or American Family.
How expensive is home insurance in Idaho?
Idaho has the 9th-lowest home insurance rates in the U.S.
How much is home insurance in Idaho?
You'll need sufficient home insurance to rebuild your home and replace belongings, considering local risks and unique valuables.
While not legally mandated unless you have a mortgage, it's advised to secure dwelling coverage that meets or exceeds the replacement value of your home. Consider comprehensive protection for your personal possessions and any specific risks your area might face, such as extreme weather or crime. Additionally, ensure coverage for any high-value or irreplaceable items.
How much home insurance do I need?
You'll need sufficient home insurance to rebuild your home and replace belongings, considering local risks and unique valuables.
While not legally mandated unless you have a mortgage, it's advised to secure dwelling coverage that meets or exceeds the replacement value of your home. Consider comprehensive protection for your personal possessions and any specific risks your area might face, such as extreme weather or crime. Additionally, ensure coverage for any high-value or irreplaceable items.
How We Found the Cheapest Home Insurance Companies in Idaho
To determine the cheapest home insurance companies in Idaho, we assumed the following base profile:
- $250K dwelling coverage
- $125K personal property coverage
- $200K liability coverage
- Home built in 2000
- Frame construction
- Composition roof
- $1,000 all perils deductible
- No claims in the past 5+ years
- 3-class fire protection
All other combinations were adjusted based on this profile to provide a more accurate comparison for your specific situation. However, these figures are estimates, and we recommend comparing quotes from multiple providers to secure the best deal.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.