Average insurance rates across 29 cities in Idaho
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Boise | 235,684 | $1,364 | $1,364 | $531/mo | $14/mo |
| Nampa | 193,935 | $1,377 | $1,377 | $532/mo | $14/mo |
| Coeur d'Alene | 134,503 | $1,377 | $1,377 | $532/mo | $14/mo |
| Meridian | 127,710 | $1,377 | $1,377 | $532/mo | $14/mo |
| Idaho Falls | 108,544 | $1,377 | $1,377 | $532/mo | $14/mo |
| Pocatello | 74,284 | $1,377 | $1,377 | $532/mo | $14/mo |
| Caldwell | 61,212 | $1,377 | $1,377 | $532/mo | $14/mo |
| Twin Falls | 52,315 | $1,377 | $1,377 | $532/mo | $14/mo |
| Post Falls | 40,002 | $1,377 | $1,377 | $532/mo | $14/mo |
| Rexburg | 38,803 | $1,377 | $1,377 | $532/mo | $14/mo |
| Lewiston | 34,270 | $1,377 | $1,377 | $532/mo | $14/mo |
| Eagle | 30,635 | $1,377 | $1,377 | $532/mo | $14/mo |
| Moscow | 25,616 | $1,377 | $1,377 | $532/mo | $14/mo |
| Kuna | 24,845 | $1,377 | $1,377 | $532/mo | $14/mo |
| Ammon | 17,921 | $1,377 | $1,377 | $532/mo | $14/mo |
Idaho residents pay an average of $1,350 per year for home insurance and $1,350 for auto insurance. Idaho follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/15.
Health insurance in Idaho averages $530 per month for an individual Silver marketplace plan. The weather risk level is medium, with moderate natural disaster risk. Top insurance providers in Idaho include State Farm, Farmers, Country Financial.
The average home insurance cost in Idaho is $1,350 per year. Rates range from $850 to $1,950 depending on home value, location, and coverage level.
Auto insurance in Idaho averages $1,350 per year for full coverage. The state minimum coverage is 25/50/15.
Idaho has below-average insurance costs, with home insurance at $1,350/yr and auto at $1,350/yr compared to national averages of $2,300 and $1,800 respectively.
Idaho requires minimum liability coverage of 25/50/15 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.