Best placesIdahoHomeowners Insurance

Counties With the Cheapest Homeowners Insurance in Idaho (2026)

Franklin has the lowest homeowners insurance of any county in Idaho, at $990, followed by Lemhi and Bonner (data vintage 2022). The full ranking of the top 25 counties is below.

Data updated 2022 - Source: NAIC Homeowners Insurance Report

Explore homeowners insurance on the map

Cheapest counties for homeowners insurance in Idaho

Top 25 of 44 counties with data.

Ranked by homeowners insurance cost (NAIC Homeowners Insurance Report, 2022), lowest first.

Cheapest counties for homeowners insurance in Idaho
RankCountyValue
1Franklin$990
2Lemhi$990
3Bonner$990
4Cassia$990
5Lewis$990
6Jefferson$990
7Boise$990
8Boundary$990
9Jerome$990
10Custer$990
11Owyhee$990
12Nez Perce$990
13Butte$990
14Lincoln$990
15Caribou$990
16Bingham$990
17Canyon$990
18Washington$990
19Madison$990
20Latah$990
21Clearwater$990
22Twin Falls$990
23Bear Lake$990
24Valley$990
25Kootenai$990

How this ranking works

This page ranks Idaho counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

Related

Compare homeowners insurance with everything else that matters on the live map.

Open the Map