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Idaho Home Insurance Estimator โ€” Updated 2026

State abbreviation: ID

Homeowners insurance in Idaho averages $1,320/year, depending on home value, location (wildfire/flood zones), age, and coverage limits. For a home valued at $465,000, you should budget 0.28% of its value annually for insurance. Insurance costs here are near or below the national average.

Idaho Financial Data (2026)

State Tax Rate
5.8%
Property Tax Rate
0.84%
Median Home Price
$465,000
Avg Insurance Cost
$1,320/year
Cost of Living Index
99
State Abbreviation
ID