Idaho offers a strong blend of affordability, rural charm, and outdoor adventure—but residents still need reliable insurance to protect their homes, vehicles, health, and families. In this guide, we explore the top auto, health, life, home, renters, and pet insurance options in Idaho for 2025. Whether you’re in Boise, Idaho Falls, or a mountain town, this article will help you find the best coverage.
Auto Insurance in Idaho
Idaho is an at-fault state, meaning the driver responsible for an accident is liable for damages. While the state’s minimum requirements are modest, most drivers opt for full coverage for added protection.
| Coverage Type | Minimum Required |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $15,000 |
Top Auto Insurance Providers in Idaho:
Discount Tips:
- Bundle with home or renters insurance
- Use low-mileage or safe driver discounts
- Install anti-theft and safety features
Health Insurance in Idaho
Idaho runs its own health insurance marketplace, Your Health Idaho, offering ACA-compliant plans and subsidies. Medicaid is available for eligible individuals.
Top Health Insurance Providers in Idaho:
Plan Types Available:
- Bronze, Silver, and Gold ACA plans
- PPO, HMO, and EPO networks
- Short-term health insurance
Life Insurance in Idaho
Life insurance is especially valuable in Idaho, where many residents have families, farms, or long-term financial responsibilities. Coverage is available from both local and national providers.
Best Life Insurance Providers:
Policy Types Offered:
- Term life (10–30 years)
- Whole and universal life
- Simplified issue and final expense policies
Homeowners Insurance in Idaho
While Idaho is less prone to natural disasters, wildfires and snow-related damage are real risks. Home insurance provides peace of mind for rural and urban homeowners alike.
Average Annual Premium: $900–$1,500
Top Home Insurance Providers:
Recommended Add-Ons:
- Wildfire protection
- Earthquake riders (depending on region)
- Water/sewer backup coverage
Renters Insurance in Idaho
Renting is common in cities like Boise and Coeur d’Alene. Renters insurance protects belongings from fire, theft, and liability claims—at a very low monthly cost.
Average Monthly Cost: $10–$18
Top Renters Insurance Providers:
Pet Insurance in Idaho
Pet insurance is growing in popularity in Idaho, especially as vet costs rise. Insurance can cover emergencies, chronic conditions, and preventive care for dogs and cats.
Top Pet Insurance Providers:
Plans Typically Include:
- Accident and illness coverage
- Optional wellness add-ons
- Breed-specific conditions and chronic illness care
Final Thoughts
Idaho residents in 2025 have access to a wide range of reliable, affordable insurance products—whether you’re protecting your pickup truck, ranch home, or family’s future. With top providers offering robust coverage in auto, health, life, home, renters, and pet insurance, you can find peace of mind and financial protection no matter where you live in the Gem State.
