Ballard Insurance Group LLC
147 N 2nd St E, Ste 1, Rexburg, ID 83440
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147 N 2nd St E, Ste 1, Rexburg, ID 83440
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147 N 2nd E, Ste 1, Rexburg, ID 83440
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237 N 2nd E, Ste 100, Rexburg, ID 83440
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54 College Ave, Rexburg, ID 83440
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859 S Yellowstone Hwy, Ste 2503, Rexburg, ID 83440
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309 Profit Street Suite, #1104, Rexburg, ID 83440
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Learn about insurance coverage options specific to Rexburg residents.
Complete guide to auto, home, and renters insurance in Rexburg, Idaho. Learn about coverage requirements, costs, flood risks, and local agents near BYU-Idaho.
Home InsuranceRexburg home insurance averages $1,448/year. Learn about earthquake coverage, winter damage protection, and student housing insurance in Madison County.
Car InsuranceRexburg drivers pay just $380/year for minimum auto insurance. Learn Idaho's 25/50/15 requirements, BYU-Idaho student discounts, and how to save money.
Idaho requires minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. These requirements remain unchanged for 2025. However, most insurance experts recommend higher limits because medical costs and repair bills often exceed these minimums, leaving you personally liable for the difference.
If you live near the Teton River or Snake River floodplains, flood insurance is essential—standard homeowners and renters policies don't cover flood damage at all. Even outside designated flood zones, consider it given Rexburg's heavy snowpack and spring runoff. The 1976 Teton Dam disaster destroyed 80% of Rexburg's structures, a stark reminder that flooding can happen here. Flood insurance typically costs $400-600 annually and has a 30-day waiting period.
Full-coverage car insurance in Rexburg averages around $1,791 annually (about $149 per month), though rates vary by carrier and your driving history. GEICO offers some of the lowest rates at approximately $1,308 per year, while State Farm averages $1,452 annually. Minimum coverage can cost as little as $35 per month. Rexburg rates tend to run slightly higher than rural Idaho due to increased traffic from BYU-Idaho and more winter weather accidents.
Yes, most students benefit from their own renters insurance policy. While some parents' homeowners policies extend limited personal property coverage to college students, they typically don't provide liability protection—which is actually the most important coverage. If a guest is injured in your apartment, you could face thousands in medical bills and legal costs. Renters insurance costs just $15-30 per month and provides both property and liability coverage.
Comprehensive auto coverage is essential for winter weather damage including deer strikes, hail, and sliding into snowbanks. For homes, ensure your policy adequately covers roof damage from heavy snow loads, frozen pipe bursts, and ice dam water damage. Document your property's condition before winter with photos. Many insurers offer specific winter-related coverage endorsements—ask your agent about these options given Rexburg's harsh winters and heavy snowfall.
Both have advantages, so get quotes from both. Local agents understand Rexburg-specific risks like flood history, winter weather patterns, and student housing complexities. They can bundle policies for 15-25% discounts and provide personalized service when you file claims. However, online insurers like GEICO often offer lower base rates. Get at least three quotes—from a local independent agent, a major carrier's agent, and an online insurer—then compare coverage details, not just price.
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