Pocatello Insurance Rates:

Pocatello, ID home insurance is approximately $427 to $578, about $35-$48/month. Our detailed analysis shows customers can save upto $201 by comparing different quotes

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Pocatello, Idaho Homeowners Insurance Reviews reveal the good & the bad so that you can compare the cheapest quotes from the best

Pocatello Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $110/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Bath 1350 sqft Primary Residence Constructed In 1971 with Carpet over wood flooring, Tile Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $230/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1490 sqft Rental Property Constructed In 2000 with Stone Flooring, Tile Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $160/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $190,000

5 Beds, 5 Baths 2350 sqft Seasonal Residence Constructed In 1976 with Linoleum, Composition Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Swimming Pool, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Single Female who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Smoker

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

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $280/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Baths 2380 sqft Primary Residence Constructed In 2010 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Central Air Conditioning, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $810/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $290,000

5 Beds, 5 Baths 4060 sqft Rental Property Constructed In 1941 with Stone Flooring, Composition Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Non-Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $130/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $365,000

5 Beds, 5 Baths 4350 sqft Seasonal Residence Constructed In 1978 with Wood Flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Single 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 :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $610/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Baths 3380 sqft Vacation Property Constructed In 1968 with Linoleum, Tile Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fireplace, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

37 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 :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $280/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $180,000

4 Beds, 4 Baths 2450 sqft Rental Property Constructed In 1972 with Linoleum, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $530/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Baths 2280 sqft Rental Property Constructed In 2011 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Pocatello, ID Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
83201 $137,500 $500
83204 $135,700 $510

Pocatello Rates & Quotes Analysis:

Pocatello Area Estimated House Insurance
Paintbrush St, Conlin Rd, Nathan Ave, Shores Rd, Chateau St, Mingo Ln, E Dunn St, N Nelson Ln, Fore Rd, Cedar Lake Rd$508
Lish St, E Gould St, Hunter Ave, University Dr, E Clark St, Sun Valley Way, N Dekay Rd, Afton Pl, Everett Ave, E Fremont St$490
Sawtooth St, Harvard St, Shoshone Ave, Pheasant Ridge Dr, My Way, Justin St, Marissa Pl, N Gathe Dr, Lakeview Dr, Sonoma St$513
Mindy Dr, N Karen Rd, Central Way, E Logan St, Hyde Ave, Apex Rd, Johnny Creek Rd, Michael Ave, Leonidas St, Summit Dr$505
Birdie Thompson Dr, W Siphon Rd, Fern St, Darris St, Holbrook St, Quartz Dr, Sundance Ln, Blue Grouse Dr, S 13th Ave, Jordyn St$499
W Buell St, Fredregill Rd, N 7th Ave, Connard Ave, Steven St, N Big Springs Dr, Johnny Cr, W Tyhee Rd, Wingate Dr, Dartmouth Ave$506
S 5th Ave, Richard St, Fruitwood Ln, Los Altos Dr, Harold St, N Rio Vista Rd, Jade Dr, Triple Crown, Morning Glory Ln, Declaration Dr$511
Circle Inn, Morgan Ave, Berryman Rd, Ziebarth Rd, Henry Ave, Leatherman St, Cypress St, Park Ave, Sarah Loop, N Anderson Ln$505
E Walnut St, Bluegill Ln, Verdugo St, E Maple St, Stanley St, Davis Dr, Imperial St, Juliette Way, Kristen Pl, I- 15 Bus$502
Tonja Ln, Homer Dr, E Sutter St, N Garfield Ave, Stone Hedge Ct, Reservation Rd, S Fork Mink Creek Rd, Emerald Dr, Fairway Cir, N Gateway Dr$511

Insurance rates are influenced by a number of factors including:

  • Year Built: 3,517 Homes (12% of total) built between 1990 to 1999 in Pocatello are paying home insurance between $725-$733 and differs from Tyhee (+$34), Inkom (+$28), Groveland (+$10), Fort Hall (-$20) and Aberdeen (-$17).
  • Bedrooms: 9,316 3 bedrooms homes (33% of total homes ) in Pocatello are paying about $453. Areas near to Pocatello such as Tyhee, Inkom, Idaho Falls West are costlier by $16, $12, $5 respectively whereas Arbon Valley and Fort Hall are more economical by $3, $12 respectively for similar homes.
  • Auto Insurance Bundling: 6,465 Households (36% of all households) in Pocatello have 3 or more vehicles available and when it is bundled with home insurance you can save $125. Discounts for similar bundling in close by locations such as Chubbuck, Tyhee, Arbon Valley come to $127, $131, $125 respectively.
  • Senior Discounts: 7,961 seniors (more than 55 years) occupied housing units (44% of total) in Pocatello get discounts between $75 to $77 and varies from Chubbuck ($76), Tyhee ($78), Arbon Valley ($75).
  • New Homes discounts: New homes such as the 11,000 homes built between 2000 to 2009 in Pocatello can save $100 and similar new home insurance discounts in nearby towns and cities like Chubbuck, Tyhee and Arbon Valley are $101, $105 and $100 respectively.

Pocatello Homeowners insurance Facts

  • Pocatello, ID has 17,916 owner occupied houses which is 67.7% of all units whereas Chubbuck, Tyhee and Arbon Valley have 75.89%, 95.17% and 83.33% respectively.
  • Pocatello, ID homeowners yearly insurance price at $503 is 0.36% of the typical house value of $140,500 which is in contrast with 0.32% in Chubbuck, 0.24% at Tyhee & 0.38% in Arbon Valley.
  • Homeowners in Pocatello, ID pay 0.67% of their income ($75,000 or more) in insurance whereas homeowners in Chubbuck, Tyhee and Arbon Valley pay 0.68%, 0.7% and 0.67% respectively.
  • Pocatello, ID’s insurance is 3.8% of monthly housing costs of $1,106/month, for owners with a mortgage compared to 3.3% in Chubbuck, 3.22% at Tyhee & 4.03% in Arbon Valley. But, for households without a mortgage, insurance is 11.7% of costs ($357 in Pocatello, ID) in contrast with 10.93% in Chubbuck, 11.57% at Tyhee & 18.04% in Arbon Valley.

Pocatello, ID Home Values & Insurance rates

For example, insurance for 1,410 Homes (8.0% of total homes ) valued between $175,000 to $199,999 in Pocatello, ID is about $668. Rates in nearby areas in such as Chubbuck, Tyhee, Inkom are cheaper by $78, $211, $188 respectively while Arbon Valley and Fort Hall are costlier by $37 and $285 respectively for similar homes.

Pocatello, ID Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,608 9.0% $85
$60,000 to $69,999 216 1.0% $231
$70,000 to $79,999 455 2.0% $266
$80,000 to $89,999 628 3.0% $301
$90,000 to $99,999 961 5.0% $337
$100,000 to $124,999 3,179 18.0% $392
$125,000 to $149,999 2,832 16.0% $487
$150,000 to $174,999 2,583 14.0% $578
$175,000 to $199,999 1,410 8.0% $668
$200,000 to $249,999 1,731 9.0% $804
$250,000 to $299,999 1,089 6.0% $985
$300,000 to $399,999 739 4.0% $1252

Renters Insurance in Pocatello

  • Average Renters Insurance in Pocatello :  $178($14/month)

  • Median Gross Rent in Pocatello :  $607

  • Pocatello Renters Insurance to Median Rent Ratio:  2.31%

  • Renter occupied housing units in Pocatello :  8,533

Pocatello Renters Insurance as a Percentage of Rent

Pocatello Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 311 3.0% $794
$300 to $499 2,188 26.0% $1244
$500 to $749 3,418 41.0% $1919
$750 to $999 1,556 18.0% $2669
$1,000 to $1,499 621 7.0% $3794
$1,500 or more 156 1.0% $5444

Rent Affordability in Pocatello:

Approximately 45.0% (3,856) of households are spending more than 35% of their income on gross rent in Pocatello

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,041 12.0%
15.0 to 19.9 percent 1,106 12.0%
20.0 to 24.9 percent 1,016 11.0%
25.0 to 29.9 percent 864 10.0%
30.0 to 34.9 percent 650 7.0%
35.0 percent or more 3,856 45.0%

Pocatello Renters Insurance Discounts:

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

Number of Vehicles in Pocatello, ID Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 4,112 48.0% $17.8
2 vehicles available 2,525 29.0% $26.7
3 or more vehicles available 894 10.0% $35.6

Protective device discount in Pocatello Up to :  $26

Claims-free discount in Pocatello Up to :  $35