Rexburg, ID
Auto and home insurance in Rexburg, Idaho
How Rexburg households can compare car and home coverage, with local Census data. A quote is not a binder.
In Rexburg (40,695 people), 54% of workers commute by driving alone, compared with 73% across Idaho. Homeownership runs at 23%.
How Rexburg gets around
| Measure | Rexburg | Idaho |
|---|---|---|
| Drive alone to work | 54% | 73% |
| Carpool | 13% | 9% |
| Work from home | 14% | 13% |
| Commute of 45 minutes or more | 7% | 11% |
| Commute under 15 minutes | 67% | 37% |
| Households with no vehicle | 3% | 4% |
| Households with 3 or more vehicles | 22% | 33% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Rexburg commutes are shorter than the Idaho norm, with 7% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Remote work is common here: 14% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
22% of Rexburg households keep three or more vehicles, and 3% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Home values and housing age in Rexburg
Homes in Rexburg carry a median value of $395,100 and a median construction year of 2005. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
Benchmark: $1,028 was the average 2023 Idaho HO-3 premium at the $350,000–$399,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Idaho auto minimums that apply in Rexburg
Idaho requires liability limits of at least 25/50/15. Other required coverage: none beyond liability. Those are floors; with Rexburg's median home value at $395,100, most homeowners choose much higher liability limits to protect their equity.
One insurer or two for a Rexburg household
Most Rexburg 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 Rexburg cars and homes
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.
Rexburg compared with nearby cities
Boise shows 18% working from home and a median home value of $484,800. Meridian: 72% drive alone, 6% commute 45+ minutes, median home $531,600. Nampa shows 12% working from home and a median home value of $370,800. For share of 45-minute-plus commutes, Rexburg is 10th of 15 Idaho cities on this site.
Rexburg quote checklist
- Your existing policies and renewal dates
- When the roof was replaced
- Commute distance and typical yearly miles
- Mortgage company for the home
- Your Rexburg address, square footage, and year built
- Liability limits you want
Questions from Rexburg drivers and homeowners
What auto insurance is required in Rexburg?
Idaho requires liability of 25/50/15; none beyond liability.
How long are commutes in Rexburg?
About 7% of Rexburg workers commute 45 minutes or more and 67% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Rexburg?
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 Rexburg
Auto and home insurance in Idaho
Last updated October 15, 2026 · How we research