Idaho
Auto and home insurance in Idaho
State auto minimums, homeowners premium averages, and city guides for Idaho households. A quote is not a binder.
72% of Idaho households own their home, the median owner-occupied home is valued at $418,600, and 73% of workers drive to work alone (ACS 2020–2024). That makes auto and homeowners coverage the two policies most Idaho families need. Below: the state's auto minimums, average homeowners premiums, local risks, and city guides.
Idaho auto insurance requirements
Idaho requires liability limits of at least 25/50/15 ($ thousands of bodily injury per person / per accident / property damage). Other required coverage: none beyond liability. Most homeowners carry well above the minimum. Compare all ten states in our state minimums guide.
Average homeowners premiums in Idaho
The NAIC's 2023 average HO-3 premium in Idaho was $1,135, versus $1,737 countrywide. Averages climb with the amount of dwelling coverage.
| Dwelling coverage amount | Idaho average HO-3 premium (2023) | Countrywide average |
|---|---|---|
| Under $150,000 | $686 | $954 |
| $150,000–$199,999 | $789 | $1,192 |
| $200,000–$224,999 | $851 | $1,282 |
| $225,000–$249,999 | $860 | $1,297 |
| $250,000–$274,999 | $885 | $1,350 |
| $275,000–$299,999 | $921 | $1,414 |
| $300,000–$324,999 | $933 | $1,475 |
| $325,000–$349,999 | $972 | $1,492 |
| $350,000–$399,999 | $1,028 | $1,598 |
| $400,000–$449,999 | $1,090 | $1,679 |
| $450,000–$499,999 | $1,185 | $1,825 |
| $500,000–$599,999 | $1,297 | $1,973 |
| $600,000–$699,999 | $1,460 | $2,249 |
| $700,000–$999,999 | $2,109 | $2,916 |
| $1,000,000 and over | $3,074 | $4,314 |
| All amounts (state average) | $1,135 | $1,737 |
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4. Report (PDF).
How Idaho drives
Statewide, 73% of workers drive alone, 9% carpool, and 13% work from home. 11% commute 45 minutes or more, and 33% of households have three or more vehicles. Mileage, garaging location, and the number of drivers and cars all feed into auto pricing.
What moves a Idaho auto and home quote
- Driving records and the number of drivers and vehicles.
- Mileage and garaging, including commute length.
- Rebuild cost and the age of the roof and home systems.
- Local losses, especially hail on the Snake River Plain and deer and elk collisions on rural roads.
- Deductibles and limits on both policies.
- Claims history and other rating factors allowed in Idaho.
- Discounts such as multi-policy, multi-car, and protective devices.
City guides for Idaho
- Ammon
- Boise
- Caldwell
- Coeur d'Alene
- Eagle
- Idaho Falls
- Kuna
- Lewiston
- Meridian
- Moscow
- Nampa
- Pocatello
- Post Falls
- Rexburg
- Twin Falls
Guides
- Bundling auto and home insurance
- Minimum auto insurance requirements in our ten states
- What full coverage auto insurance really means
- Homeowners insurance coverage explained
- Personal umbrella insurance over your auto and home
- How to lower your auto and home insurance premiums
More Idaho communities
We accept quote requests from anywhere in Idaho. Other cities and towns, listed by county:
- Ada County — Garden City; Star
- Adams County — Council; New Meadows
- Bannock County — Arimo; Chubbuck; Downey; Inkom; Lava Hot Springs; McCammon
- Bear Lake County — Bloomington; Georgetown; Montpelier; Paris; St. Charles
- Benewah County — Plummer; St. Maries; Tensed
- Bingham County — Aberdeen; Basalt; Blackfoot; Firth; Shelley
- Blaine County — Bellevue; Carey; Hailey; Ketchum; Sun Valley
- Boise County — Crouch; Horseshoe Bend; Idaho City; Placerville
- Bonner County — Clark Fork; Dover; East Hope; Hope; Kootenai; Oldtown; Ponderay; Priest River; Sandpoint
- Bonneville County — Iona; Irwin; Swan Valley; Ucon
- Boundary County — Bonners Ferry; Moyie Springs
- Butte County — Arco; Butte City; Moore
- Camas County — Fairfield
- Canyon County — Greenleaf; Melba; Middleton; Notus; Parma; Wilder
- Caribou County — Bancroft; Grace; Soda Springs
- Cassia County — Albion; Burley; Declo; Malta; Oakley
- Clark County — Dubois; Spencer
- Clearwater County — Elk River; Orofino; Pierce; Weippe
- Custer County — Challis; Clayton; Mackay; Stanley
- Elmore County — Glenns Ferry; Mountain Home
- Franklin County — Clifton; Dayton; Franklin; Oxford; Preston; Weston
- Fremont County — Ashton; Drummond; Island Park; Newdale; Parker; St. Anthony; Teton; Warm River
- Gem County — Emmett
- Gooding County — Bliss; Gooding; Hagerman; Wendell
- Idaho County — Cottonwood; Ferdinand; Grangeville; Kooskia; Riggins; Stites; White Bird
- Jefferson County — Lewisville; Menan; Mud Lake; Rigby; Ririe; Roberts
- Jerome County — Eden; Hazelton; Jerome
- Kootenai County — Athol; Dalton Gardens; Fernan Lake Village; Harrison; Hauser; Hayden; Hayden Lake; Huetter; Rathdrum; Spirit Lake; State Line; Worley
- Latah County — Bovill; Deary; Genesee; Juliaetta; Kendrick; Onaway; Potlatch; Troy
- Lemhi County — Leadore; Salmon
- Lewis County — Craigmont; Kamiah; Nezperce; Reubens; Winchester
- Lincoln County — Dietrich; Richfield; Shoshone
- Madison County — Sugar City
- Minidoka County — Acequia; Heyburn; Minidoka; Paul; Rupert
- Nez Perce County — Culdesac; Lapwai; Peck
- Oneida County — Malad City
- Owyhee County — Grand View; Homedale; Marsing
- Payette County — Fruitland; New Plymouth; Payette
- Power County — American Falls; Rockland
- Shoshone County — Kellogg; Mullan; Osburn; Pinehurst; Smelterville; Wallace; Wardner
- Teton County — Driggs; Tetonia; Victor
- Twin Falls County — Buhl; Castleford; Filer; Hansen; Hollister; Kimberly; Murtaugh
- Valley County — Cascade; Donnelly; McCall
- Washington County — Cambridge; Midvale; Weiser
Auto and home insurance in Idaho: FAQ
What is the minimum car insurance in Idaho?
Liability of 25/50/15. Other required coverage: none beyond liability.
What is the average homeowners premium in Idaho?
The NAIC reported a 2023 Idaho HO-3 average of $1,135, 8th highest of the ten states we cover; the countrywide average was $1,737.
Can I bundle auto and home in Idaho?
Yes, most insurers that write both offer a multi-policy discount. Compare the bundle with separate quotes.
Who regulates insurance in Idaho?
The Idaho Department of Insurance licenses insurers, handles complaints, and publishes consumer guides.
Sources
- NAIC, Compulsory Motor Vehicle Insurance model law chart (state statutes), reviewed against state insurance department guidance
- NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4
- U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter
- U.S. Census Bureau Vintage 2024 city population estimates
- Idaho Department of Insurance
Last updated October 15, 2026 · How we research