Idaho Falls Insurance Rates:

Idaho Falls, ID home insurance is roughly $431 to $584, about $35-$48/month. Our extensive guide shows customers can save upto $203 by comparing different quotes

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Idaho Falls Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $210/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $180,000

4 Beds, 4 Bath 1650 sqft Vacation Property Constructed In 2010 with Carpet Flooring, Tile Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $350/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Baths 2270 sqft Rental Property Constructed In 1972 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $220/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $310,000

4 Beds, 4 Baths 3000 sqft Rental Property Constructed In 1970 with Wood Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $110/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Baths 1270 sqft Seasonal Residence Constructed In 2012 with Wood Flooring, Tile Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Single Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $160/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Bath 2060 sqft Primary Residence Constructed In 1974 with Carpet Flooring, Tile Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Single Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $60/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Baths 1980 sqft Primary Residence Constructed In 2008 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Home Insurance Rate of $530/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $360,000

5 Beds, 5 Baths 3320 sqft Vacation Property Constructed In 1961 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $300/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Baths 1610 sqft Rental Property Constructed In 1965 with Wood Flooring, Metal Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Married Male who is a Freelancer with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Idaho Falls, ID Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
83406 $177,600 $520
83404 $176,100 $520
83402 $143,900 $510

Idaho Falls Rates & Quotes Analysis:

Idaho Falls Area Estimated House Insurance
Eaglewood Dr, Iona St, S Oakmont Dr, 97th W S, Madison River Rd, Washburn Ave, Bannock Ave, E Skidmore Dr, Westwood St, Otter Trl$556
N 5th E, E 24th St, Hampton Ln, Travis Way, Homer Ave, Holbrook Dr, Wildwood Ln, E 1500 N, Pend Oreille Cir, Fairview$501
Douglas Ave, E 101 N, E 81st S, Bombardier Ave, Sahara St, Henry St, Richmond Ln, N Ferguson Rd, Loon Creek Ln, Kimberly Dr$548
Greentree Ln, Davidson Dr, E Harvest Run, Custer St, Tie Breaker Dr, Glen Koester Ln, Hollow Dr, Clarks Dr, State Ln Rd, Cranmer Ave$505
S Woodruff Ave, Denver St, Cliffside Cir, Sioux Ave, Leslie Ave, York Rd, Jefferson Ave, Lake Ave, Tipperary Ln, W Barberry Ln$491
N 26th W, John Adams Ct, Ross Ave, Tildy, Mesquite Dr, Sagebrush Ave, Brome St, Flora Cir, Oneida Ave, Fieldstream Ln$517
Turnbull Dr, Laguna Dr, Spear Point Cir, Park Rd, Valley Dr, Quail Ridge Dr, Scorsby Ave, Birch Creek Rd, April Dr, Foxhill Dr$553
Storer St, N Fanning Ave, Emma Ct, Lowell Dr, Heather Ln, Traughber Rd, Cotton Rd, Shirley Ln, Trenton Cir, Irwin North Rd$549
Vernon Ave, Pearce Dr, S 45th W, Marjorie Ave, Dallin Dr, Silverspur Loop, Brandon Dr, Eagles Homestead Dr, Cabana Dr, Ririe Hwy$515
Dunbar Dr, Thicket Way, Wildhorse Ln, W Garfield, Links Way, E 21st Cir, County Cork Ln, Auss Ln, E 14th St, N Blvd$506

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,841 Homes (18% of total homes ) built between 1970 to 1979 in Idaho Falls are paying home insurance between $824-$831. Places close to Idaho Falls, ID such as Sugar City, East Madison, Swan Valley are more expensive by $12, $37, $29 respectively while Basalt and Lewisville are cheaper by $33 and $18 respectively for similar homes.
  • Bedrooms: 7,613 4 bedrooms homes (21% of total homes ) in Idaho Falls are paying about $665. Areas near to Idaho Falls such as Ammon, Lincoln, Rigby are costlier by $5, $4, $8 respectively whereas Basalt and Lewisville are more economical by $26, $13 respectively for similar homes.
  • Auto Insurance Bundling: 8,113 Households (33% of all households) in Idaho Falls have 3 or more vehicles available and when it is bundled with home insurance you can save $127 compared to Ammon ($128), Lincoln ($127), Iona ($126).
  • Senior Discounts: 10,317 seniors (more than 55 years) occupied housing units (42% of total) in Idaho Falls get discounts between $76 to $78 and differs from Ammon ($76), Iona ($75), Rigby ($77).
  • New Homes discounts: New homes such as the 17,916 homes built between 2000 to 2009 in Idaho Falls can save $101 and similar new home insurance discounts in nearby towns and cities like Ammon, Lincoln and Iona are $102, $102 and $101 respectively.

Idaho Falls Homeowners insurance Facts

  • Idaho Falls, ID has 24,045 owner occupied houses which is 72.9% of all units whereas Ammon, Lincoln and Iona have 78.59%, 77.01% and 88.16% respectively.
  • Idaho Falls, ID homeowners yearly insurance price at $508 is 0.32% of the typical house value of $156,900 which is in contrast with 0.3% in Ammon, 0.31% at Lincoln & 0.34% in Iona.
  • Homeowners in Idaho Falls, ID pay 1.35% of their income ($35,000 to $39,999) in insurance whereas homeowners in Ammon, Lincoln and Iona pay 1.37%, 1.36% and 1.35% respectively.
  • Idaho Falls, ID’s insurance is 3.5% of monthly housing costs of $1,225/month, for owners with a mortgage compared to 3.25% in Ammon, 3.64% at Lincoln & 3.89% in Iona. But, for households without a mortgage, insurance is 12.7% of costs ($333 in Idaho Falls, ID) in contrast with 13.54% in Ammon, 14.94% at Lincoln & 13.75% in Iona.

Idaho Falls, ID Home Values & Insurance rates

For example, insurance for 997 Homes (4.0% of total homes ) valued between $80,000 to $89,999 in Idaho Falls, ID is about $274. Rates in nearby areas in such as Ammon, Lincoln, Ucon are cheaper by $18, $14, $1 respectively while Iona and Basalt are costlier by $13 and $165 respectively for similar homes.

Idaho Falls, ID Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,350 5.0% $76
$60,000 to $69,999 255 1.0% $208
$70,000 to $79,999 362 1.0% $238
$80,000 to $89,999 997 4.0% $274
$90,000 to $99,999 946 4.0% $304
$100,000 to $124,999 3,162 13.0% $355
$125,000 to $149,999 3,841 16.0% $441
$150,000 to $174,999 3,456 15.0% $523
$175,000 to $199,999 2,414 10.0% $604
$200,000 to $249,999 3,006 13.0% $726
$250,000 to $299,999 1,303 5.0% $889
$300,000 to $399,999 1,511 6.0% $1132

Renters Insurance in Idaho Falls

  • Average Renters Insurance in Idaho Falls :  $162($13/month)

  • Median Gross Rent in Idaho Falls :  $699

  • Idaho Falls Renters Insurance to Median Rent Ratio:  1.86%

  • Average household size of renter-occupied unit :  2.49

Idaho Falls Renters Insurance as a Percentage of Rent

Idaho Falls Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 121 1.0% $340
$200 to $299 308 3.0% $790
$300 to $499 1,206 14.0% $1240
$500 to $749 3,402 39.0% $1915
$750 to $999 2,111 24.0% $2665
$1,000 to $1,499 1,091 12.0% $3790
$1,500 or more 297 3.0% $5440

Rent Affordability in Idaho Falls:

Approximately 44.0% (3,996) of households are spending more than 35% of their income on gross rent in Idaho Falls

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,070 11.0%
15.0 to 19.9 percent 858 9.0%
20.0 to 24.9 percent 1,274 14.0%
25.0 to 29.9 percent 880 9.0%
30.0 to 34.9 percent 861 9.0%
35.0 percent or more 3,996 44.0%

Idaho Falls Renters Insurance Discounts:

Idaho Falls Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Idaho Falls, ID Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 4,113 46.0% $16.2
2 vehicles available 2,775 31.0% $24.3
3 or more vehicles available 993 11.0% $32.4

Idaho Falls Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 471 5.0% $69
60 to 64 years 531 5.0% $55
65 to 74 years 487 5.0% $45
75 years and over 520 5.0% $34

Protective device discount in Idaho Falls Up to :  $24

Claims-free discount in Idaho Falls Up to :  $32