Best and cheapest companies for home and auto bundles in Idaho

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When shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in Idaho to identify which ones provide significant savings when combining multiple coverage types.

State Farm provides the highest percentage discount on home and auto insurance premiums in Idaho when you bundle your policies. By choosing this insurer, you can save an average of 31% on your home and auto bundle.

On the other hand, Nationwide provides the lowest overall rate for bundling in Idaho. When you bundle your policies, you can expect to pay an average of $1,993.

Key Takeaways

In Idaho, State Farm offers the biggest average discount of 31% on home and auto insurance bundles.
Different companies offer varying discounts for bundling, so it’s worth shopping around.
Where you live in the state can affect how much you save by bundling.
Bundling is generally a good idea, but in a few situations, it might not save you money.

How we picked the best companies for home and auto bundling

In 2024, we analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre and post bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Idaho

We assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in Idaho for home and auto bundling.

State Farm

State Farm offers a 31% bundle discount, which amounts to an average savings of $997. The combined cost of home and auto insurance before the discount is $3,257, and after the discount, it drops to $2,260.

American Family

The average bundle discount at American Family is $354, or 15%. Without a bundle discount, customers pay $2,383 for coverage. After the bundle discount, customers pay $2,029 on average. American Family ranked at No. 9 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Farmers Insurance

Bundling auto and home insurance with Farmers Insurance can save an average of $640, or 20%. Without the discount, the coverage costs $3,265, but after the discount, it’s only $2,625.

Nationwide

The average bundle discount at Nationwide is $342, which is a 15% savings. The cost of home and auto insurance before the discount is $2,335, but it lowers to $1,993 after applying the discount.

Allstate

Allstate offers an average bundle discount of $721, or 19%. The average rate for coverage before the discount is $3,735, and with the discount, it’s reduced to $3,014.

Compare home and auto bundles in Idaho

The amount you can save on home and auto insurance with a bundle in Idaho varies by company. Here is a breakdown of the rates and savings with top companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$2,260	47	87.4	A++	31%	80.82
American Family	$2,029	50	85	A	15%	66
Farmers Insurance	$2,625	43	82	A	20%	65.81
Nationwide	$1,993	42	86.6	A	15%	65.29
Allstate	$3,014	39	85	A+	19%	64.46

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What company offers the cheapest home and auto bundle in Idaho?

State Farm provides the largest discount on premiums for bundled insurance, while Nationwide offers the lowest overall rate when you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Nationwide	$1,239	$1,096	$2,335	$1,993
American Family	$1,158	$1,225	$2,383	$2,029
State Farm	$2,485	$772	$3,257	$2,260
Farmers Insurance	$1,608	$1,657	$3,265	$2,625
Allstate	$1,511	$2,224	$3,735	$3,014
Farm Bureau	$3,304	$1,488	$4,792	$4,301

Most and least expensive ZIP codes for home and auto insurance bundles in Idaho

Your ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Idaho.

Most expensive ZIP codes

The most expensive ZIP code in Idaho for home and auto insurance bundling is 83522 at an average rate of $3,004. See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
83522	$3,004	18%
83523	$2,950	18%
83245	$2,914	18%
83611	$2,901	18%
83214	$2,879	18%
83467	$2,878	18%
83217	$2,878	18%
83801	$2,866	18%
83524	$2,849	18%
83204	$2,844	18%

Least expensive ZIP codes

The least expensive ZIP code in Idaho for bundling home and auto insurance is 83705, with an average cost of $2,468. Here are the 10 cheapest ZIP codes:

ZIP code	Average auto and home after discount	Average difference
83705	$2,468	18%
83704	$2,473	18%
83706	$2,480	18%
83646	$2,488	18%
83712	$2,514	18%
83642	$2,522	18%
83725	$2,525	18%
83708	$2,530	18%
83713	$2,532	18%
83716	$2,543	18%

Frequently asked questions about bundling home and auto insurance

Is bundling home and auto insurance right for everyone in Idaho?

Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.

However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.

It’s also possible that a company has the right coverage for one type of insurance but not for the other.

Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.

“Remember when buying insurance that you’re doing so to protect your most valuable assets,” says Christine O’Brien, president of the Insurance Council of New Jersey. “Take the time to learn about policy limits and coverages and get several quotes.”

How can you switch to a home and auto bundle in Idaho?

Switching to a bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.

However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.

But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate.

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Chris Kissell

Contributing Researcher

Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver.