Title Insurance

How Much Does Title Insurance Cost in Meridian, Idaho?

By TitleThrive Editorial

Updated March 16, 2026

6 min read

Quick Answer

Title insurance in Meridian, Idaho costs $3.00 to $3.50 per $1,000, depending on the title company. Meridian is in Ada County, where most companies file at $3.00/thousand while two national underwriters file at $3.50/thousand per Idaho DOI 2025 Filed Rates. For a $425,000 home, the owner's policy is approximately $1,275 to $1,487 plus a $150 base fee. The seller customarily pays.

Property protected by title insurance in Meridian, Idaho

Title Insurance Rates in Meridian

Meridian sits in Ada County alongside Boise and Eagle, sharing the same pool of title companies and filed escrow rates. The Idaho DOI 2025 Filed Short Term Escrow Rates show two pricing tiers in Ada County: $3.00/thousand (7 companies) and $3.50/thousand (2 companies).

Cost Calculation for Meridian

For a $425,000 home purchase with a $340,000 loan (80% LTV) at $3.00/thousand:

Owner’s policy: $425,000 × $3.00/1,000 = $1,275 + $150 base = $1,425

Lender’s policy: $340,000 × $3.00/1,000 = $1,020 + $150 base = $1,170

Simultaneous issue discount: -$100

Combined: approximately $2,495

At $3.50/thousand (companies filing at $3.50): owner’s = $1,637, combined total approximately $2,930 — a $435 difference for identical coverage.

Who Pays for Title Insurance in Meridian?

Idaho custom: seller pays the owner’s policy, buyer pays the lender’s policy. Endorsements follow the policy — seller pays owner’s endorsements, buyer pays lender’s endorsements. All negotiable via the purchase agreement.

Ada County Companies at a Glance

Per Idaho DOI 2025 Filed Rates:

$3.00/thousand ($150 base): seven companies (at $3.00/thousand).

$3.50/thousand ($150 min): two national underwriters file at the higher rate.

Saving on Title Insurance in Meridian

Choose a $3.00/thousand company — saves $213 on a $425,000 transaction with no coverage difference. Ask about simultaneous issue ($100 off) and reissue discounts (up to 40% off the owner’s premium within two years per IDAPA 18.05.01.013, maximum 50%). Compare total fees including base rates, not just the per-thousand rate.

Fact-checked by TitleThrive Editorial

Sources & Citations
  1. Idaho Department of Insurance — 2025 Filed Short Term Escrow Rates, Ada County
  2. IDAPA 18.05.01.013 — Premium Rates and Their Application

Rates and fees referenced in this article are based on data filed with the applicable state department of insurance. Filed rates are subject to change. This content is for educational purposes and does not constitute a title insurance quote, legal advice, or financial advice. Contact a licensed title company for current rates specific to your transaction. Learn about our editorial standards.

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Frequently Asked Questions

How much is title insurance on a $425,000 home in Meridian?

At $3.00/thousand: owner's policy ~$1,425, lender's ~$1,070 (after $100 simultaneous discount), combined ~$2,495. At $3.50/thousand: combined ~$2,930. A $435 difference for the same coverage.

Are Meridian title insurance rates the same as Boise?

Yes — Meridian and Boise are both in Ada County and share the same title companies filing the same rates with the Idaho DOI. The $3.00 to $3.50/thousand range applies equally.

Can I get a discount on title insurance in Meridian?

Yes. Simultaneous issue saves $100 when both policies are issued together. A reissue discount of up to 40% applies if the property was insured within two years (per IDAPA 18.05.01.013). And choosing a $3.00/thousand company over $3.50/thousand saves hundreds.

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