Affordable Home Insurance in Idaho
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What drives home insurance rates in Idaho
Average homeowners premium, 2023
$1,135
The average homeowners policy in Idaho cost $1,135 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
71.4¢
Home insurers in Idaho paid 71.4 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
29
NOAA logged 1 tornado, 20 large-hail and 8 flash-flood event reports in Idaho in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#43
FEMA ranks Idaho #43 of 51 for expected annual loss from natural hazards; flood accounts for 52% of that loss, and flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Idaho
The ten insurer groups that wrote the most home premium in Idaho in 2025, with their share of the state total of $970 million.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Liberty Mutual Group | 19.52% | $189 million |
| 2 | State Farm Group | 15.84% | $154 million |
| 3 | Farmers Insurance Group | 9.17% | $89 million |
| 4 | Allstate Insurance Group | 9.1% | $88 million |
| 5 | Farm Bureau Group | 9% | $87 million |
| 6 | United Services Automobile Association Group | 8.38% | $81 million |
| 7 | American Family Insurance Group | 5.79% | $56 million |
| 8 | Travelers Group | 4.53% | $44 million |
| 9 | Auto Owners Group | 3.63% | $35 million |
| 10 | Chubb Ltd Group | 1.85% | $18 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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