Renters and home insurance rates in Idaho
The NAIC's published average premiums for Idaho by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $147
- average homeowners premium (HO-3), per year
- $1,002
- renter households
- 191,681
By county
By county
| Ada County | 56,346 | $1,465 | $476,000 |
|---|---|---|---|
| Canyon County | 20,643 | $1,259 | $350,300 |
| Kootenai County | 19,203 | $1,330 | $467,400 |
| Bonneville County | 12,316 | $1,054 | $327,000 |
| Bannock County | 10,458 | $879 | $267,200 |
| Twin Falls County | 10,312 | $1,011 | $292,700 |
| Madison County | 7,637 | $965 | $365,000 |
| Latah County | 6,321 | $905 | $342,500 |
| Nez Perce County | 4,799 | $936 | $291,300 |
| Bonner County | 4,381 | $1,059 | $433,400 |
| Elmore County | 3,761 | $1,111 | $278,300 |
| Bingham County | 3,100 | $845 | $258,000 |
| Cassia County | 2,472 | $920 | $257,300 |
| Payette County | 2,418 | $874 | $310,700 |
| Blaine County | 2,408 | $1,217 | $663,800 |
| Minidoka County | 2,125 | $909 | $235,300 |
| Jerome County | 2,011 | $862 | $254,000 |
| Jefferson County | 1,745 | $1,098 | $335,000 |
| Gem County | 1,734 | $887 | $367,300 |
| Gooding County | 1,579 | $859 | $231,800 |
| Shoshone County | 1,486 | $880 | $222,700 |
| Idaho County | 1,307 | $797 | $284,600 |
| Owyhee County | 1,237 | $771 | $281,600 |
| Franklin County | 1,208 | $831 | $304,000 |
| Washington County | 1,093 | $919 | $250,300 |
| Boundary County | 1,065 | $867 | $344,100 |
| Benewah County | 966 | $853 | $255,800 |
| Teton County | 924 | $1,196 | $595,900 |
| Fremont County | 713 | $803 | $281,800 |
| Power County | 689 | $729 | $191,200 |
| Clearwater County | 654 | $847 | $240,800 |
| Lemhi County | 625 | $721 | $282,100 |
| Valley County | 538 | $1,011 | $599,500 |
| Caribou County | 437 | $800 | $220,200 |
| Custer County | 432 | $744 | $295,600 |
| Lincoln County | 424 | $860 | $206,700 |
| Boise County | 423 | $854 | $424,100 |
| Lewis County | 399 | $708 | $202,400 |
| Bear Lake County | 346 | $687 | $234,200 |
| Adams County | 296 | $823 | $327,300 |
| Oneida County | 247 | $1,009 | $228,100 |
| Butte County | 230 | $525 | $195,800 |
| Clark County | 91 | $771 | $203,000 |
| Camas County | 82 | $992 | $248,900 |
Download the Idaho county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in Idaho was $147 in 2022, across 191,681 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Idaho", updated 2026-08-17, https://homecoverhq.com/rates/idaho/.