Home insurance cost in Idaho
About $2,195 a year, or $183 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$2,195
a year
A month
$183
Rank
22 of 51
1 = cheapest; −12% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Connecticut | $2,135 | 20 |
| Wisconsin | $2,175 | 21 |
| Idaho | $2,195 | 22 |
| Rhode Island | $2,230 | 23 |
| Virginia | $2,265 | 24 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in Idaho?
About $2,195 a year, or $183 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in Idaho expensive?
Idaho ranks 22 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for Idaho: monthly budget · take-home pay · rent.