Renters Insurance Cost in Idaho (2026 Average)
Idaho renters paid about $103 a year on average in the NAIC 2021 baseline, about $67 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives Idaho renters insurance costs
Idaho renters paid about $103 a year on average in the NAIC 2021 baseline, about $67 less than the $170 US average.
Weather exposure is a major driver here: wildfire season and winter storms are the main concerns.
Claim frequency and litigation also matter: claim frequency is low and litigation is rare.
Replacement costs and carrier competition round out the picture: replacement costs are modest outside the Boise metro, and limited carrier competition in a smaller market keeps quotes low.
How Idaho compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| Idaho | $103 | −$67 |
| United States (national average) | $170 | baseline |
| Montana | $130 | −$40 |
| Wyoming | $106 | −$64 |
| Nevada | $132 | −$38 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.