Caldwell, ID
Auto and home insurance in Caldwell, Idaho
Commute, vehicle, and housing data for Caldwell, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Census data show Caldwell drivers commuting alone at a rate of 74% and homeowners making up 73% of households. Here is what that means for auto and home coverage in a city of about 73,088.
How Caldwell gets around
| Measure | Caldwell | Idaho |
|---|---|---|
| Drive alone to work | 74% | 73% |
| Carpool | 12% | 9% |
| Work from home | 12% | 13% |
| Commute of 45 minutes or more | 14% | 11% |
| Commute under 15 minutes | 28% | 37% |
| Households with no vehicle | 4% | 4% |
| Households with 3 or more vehicles | 32% | 33% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
About 14% of Caldwell commuters travel 45 minutes or more each way (Idaho: 11%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
Only 12% of Caldwell workers mostly work from home, below the Idaho share of 13%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
In Caldwell, 4% of households live without a car while 32% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
The Caldwell homeowners picture
Homes in Caldwell carry a median value of $367,300 and a median construction year of 2003. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
For context, the NAIC's 2023 average HO-3 premium in Idaho was $1,028 for homes insured in the $350,000–$399,999 range, and $1,135 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Caldwell
Idaho requires liability limits of at least 25/50/15. Other required coverage: none beyond liability. Those are floors; with Caldwell's median home value at $367,300, most homeowners choose much higher liability limits to protect their equity.
Bundling auto and home in Caldwell
Most Caldwell homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
Local risks for Caldwell cars and homes
Insurers in Idaho price for heavy snow and hail on the Snake River Plain. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
County hazard detail: FEMA National Risk Index.
How Caldwell compares in Idaho
In Nampa, 70% own their home and 30% of households have three or more vehicles. In Boise, 63% own their home and 22% of households have three or more vehicles. Meridian: 72% drive alone, 6% commute 45+ minutes, median home $531,600. For share of 45-minute-plus commutes, Caldwell is 2nd of 15 Idaho cities on this site.
What to have ready for a Caldwell quote
- Liability limits you want
- Recent claims or violations
- When the roof was replaced
- VINs from registrations or the dashboard
- Home details: size, age, construction
- Lender name and loan number
Caldwell auto and home insurance FAQ
What are the minimum car insurance limits for Caldwell drivers?
Idaho requires liability of 25/50/15; none beyond liability.
How long are commutes in Caldwell?
About 14% of Caldwell workers commute 45 minutes or more and 28% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Caldwell?
Prices depend on the home and coverage. The NAIC's 2023 Idaho HO-3 average was $1,135; see the Idaho page.
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Auto and home insurance in Idaho
Last updated October 15, 2026 · How we research