Idaho Falls, ID
Insuring your car and home in Idaho Falls, ID
How Idaho Falls households can compare car and home coverage, with local Census data. A quote is not a binder.
Two numbers frame insurance in Idaho Falls: 64% of households are homeowners, and 74% of commuters drive alone. With a population near 69,523, that adds up to a lot of households insuring a house and at least one vehicle.
Idaho Falls commuting and vehicle data
| Measure | Idaho Falls | Idaho |
|---|---|---|
| Drive alone to work | 74% | 73% |
| Carpool | 11% | 9% |
| Work from home | 9% | 13% |
| Commute of 45 minutes or more | 10% | 11% |
| Commute under 15 minutes | 49% | 37% |
| Households with no vehicle | 3% | 4% |
| Households with 3 or more vehicles | 28% | 33% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Long commutes are similar in Idaho Falls than statewide: 10% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Only 9% of Idaho Falls workers mostly work from home, below the Idaho share of 13%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
28% of Idaho Falls households keep three or more vehicles, and 3% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Owning a home in Idaho Falls
The median owner-occupied home in Idaho Falls is valued at $335,500, and half of the city's homes were built before 1977. The Idaho median value is $418,600. Your dwelling limit should match rebuild cost, which can differ from market value.
NAIC data for 2023 show Idaho HO-3 policyholders with $325,000–$349,999 of dwelling coverage paying an average of $972; the all-amounts state average was $1,135.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Idaho Falls drivers
The state minimum is 25/50/15. Additional requirement: none beyond liability. See our state minimums guide for how these compare across our ten states.
Should Idaho Falls homeowners bundle?
A bundle can simplify life in Idaho Falls: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Idaho Falls
Plan for deer and elk collisions on rural roads, along with heavy snow. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
See FEMA's National Risk Index for local hazard scores.
How Idaho Falls compares in Idaho
Ammon shows 11% working from home and a median home value of $381,800. 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. Idaho Falls ranks 6th for long commutes among the 15 Idaho cities we profile.
Idaho Falls quote checklist
- Commute distance and typical yearly miles
- Mortgage company for the home
- Drivers' names and dates of birth
- Home details: size, age, construction
- Liability limits you want
- Your existing policies and renewal dates
Questions from Idaho Falls drivers and homeowners
What are the minimum car insurance limits for Idaho Falls drivers?
Idaho requires liability of 25/50/15; none beyond liability.
Do Idaho Falls drivers have long commutes?
About 10% of Idaho Falls workers commute 45 minutes or more and 49% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Idaho Falls?
Prices depend on the home and coverage. The NAIC's 2023 Idaho HO-3 average was $1,135; see the Idaho page.
Other city guides near Idaho Falls
Auto and home insurance in Idaho
Last updated October 15, 2026 · How we research