Best and cheapest companies for home and auto bundles in Idaho

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Bundling your home and auto insurance in [state_name] can help lower your overall costs, but the best option depends on whether you’re focused on getting the biggest discount or the lowest final premium. On average, State Farm delivers the highest percentage savings, while Nationwide offers the most affordable bundled rates.

Because insurers price bundles differently, it’s important to compare multiple companies. The right fit depends on your home value, driving profile and where you live within [state_name].

What you need to know about bundling in [state_name]

Bundling allows you to purchase home and auto insurance from the same company and receive a discount on your policies.
State Farm has the highest bundle discount in [state_name], averaging 31%
The largest discount doesn’t always lead to the lowest total premium
Your ZIP code within [state_name] can significantly impact your savings
Bundling is often more convenient and can save money, but it’s not always the cheapest option

Which companies offer the best home and auto bundles in [state_name]? Here’s our pick

State Farm, American Family and Farmers Insurance are among the best home and auto bundle companies in [state_name], offering strong discounts, competitive bundled rates and high rankings for both auto and home insurance. The right choice for you will depend on whether you prioritize the biggest discount or the lowest final premium.

We ranked companies based on the average bundle discount they offer in both dollar and percentage terms, along with their performance in auto and home insurance rankings. Based on those criteria, these are the best companies for bundling in [state_name]:

State Farm

The average bundle discount at State Farm is $997, or 31%. State Farm offers bundling across its home and auto policies, making it straightforward for most policyholders to qualify. Before the bundle discount is applied, the average combined cost of home and auto insurance sits at $3,257.

American Family

The average bundle discount at American Family is $354, or 15%. Customers who bundle home and auto with American Family receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $2,383.

Farmers Insurance

The average bundle discount at Farmers Insurance is $640, or 20%. Bundling with Farmers Insurance means both policies share a single renewal date and the same claims team. The average combined rate before the discount is $3,265.

Nationwide

The average bundle discount at Nationwide is $342, or 15%. Without the bundle discount, the average rate for home and auto is $2,335.

Allstate

The average bundle discount at Allstate is $721, or 19%. Before the discount, customers see average rates of $3,735.

People also ask:

Who has the cheapest home and auto bundle in [state_name]?

Nationwide has the cheapest home and auto bundle in [state_name], with an average premium of $1,993.

How much can you save by bundling home and auto insurance in [state_name]?

Bundling home and auto insurance can save you around 17% on average, depending on the insurer. Actual savings may vary based on your policies, location, and eligibility for discounts.

How do home and auto bundle rates compare in [state_name]?

Home and auto bundle rates in [state_name] vary widely by company, with some insurers offering significantly lower premiums or larger discounts than others. The difference between providers can be substantial, making it important to compare both the final bundled price and the discount offered.

Here’s how rates and savings compare across top insurers in [state_name]:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
State Farm	A+	A+	$1,263	$1,485	0.87	1.15	$2,084	4.23
Farmers	A	A	$1,701	$2,166	1.24	0.89	$3,073	3.55
Idaho Farm Bureau	A	A	$1,689	$3,418	0.00	0.25	$4,589	3.40
Nationwide	A	A	$1,701	$2,278	0.64	1.34	$3,571	3.31
Allstate	A+	A+	$2,633	$2,588	1.20	1.26	$4,256	2.86

Bundle savings can vary more than you expect

Two companies can offer similar discounts but very different final premiums depending on their base rates. Always request the combined annual total for both policies after discounts – not just the discount percentage – before deciding where to bundle. The insurer with the loudest bundle offer isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in [state_name]?

Choose Nationwide if your priority is the lowest overall premium for a home and auto bundle in [state_name]. If your goal is to unlock the highest discount percentage, State Farm is the stronger option.

A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied. The best choice depends on whether you prioritize the lowest final price or the largest discount.

Here’s how the cheapest bundle options compare in [state_name]:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,485	$1,263	$2,748	$2,084
Farmers	$2,166	$1,701	$3,867	$3,073
Nationwide	$2,278	$1,701	$3,979	$3,571
Allstate	$2,588	$2,633	$5,221	$4,256
Idaho Farm Bureau	$3,418	$1,689	$5,107	$4,589

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or excluded protections that leave you exposed when you actually need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price, check three things: the liability limits, the deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t a better deal – it’s a more expensive one the moment you need to use it.

Which ZIP codes are most and least expensive in [state_name]?

The most expensive ZIP code for bundled home and auto insurance in [state_name] is 83522, with average rates of $3,004, while the least expensive is 83705, where premiums drop to $2,468. Rates vary based on local risks, property values and claims trends.

Where you live plays a major role in how much you pay, influencing both base premiums and available discounts.

Top ten most expensive ZIP codes

The most expensive ZIP code in [state_name] 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	$ difference	% difference
83523	$3,756	$590	14%
83401	$3,650	$561	13%
83611	$3,635	$573	14%
83404	$3,633	$562	13%
83522	$3,631	$568	14%
83402	$3,627	$559	13%
83406	$3,622	$559	13%
83217	$3,597	$559	13%
83467	$3,584	$586	14%
83245	$3,578	$563	14%

Top ten cheapest ZIP codes

The least expensive ZIP code in [state_name] for home and auto insurance bundling is 83705 at an average rate of $2,468.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
83708	$3,180	$478	13%
83704	$3,224	$478	13%
83646	$3,231	$481	13%
83709	$3,250	$486	13%
83642	$3,261	$487	13%
83706	$3,280	$491	13%
83716	$3,305	$503	13%
83712	$3,306	$501	13%
83725	$3,322	$503	13%
83702	$3,342	$504	13%

Location can impact your premium more than you might expect

Local risk factors such as weather exposure, crime rates and rebuilding costs can create significant price differences even within the same city. Two homes located close to each other but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is typical, check whether your ZIP code is driving it higher – and if you’re planning to move, compare insurance rates for your new address before finalizing your decision.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Idaho by city

See rates in your city

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included [number-of-companies] companies and [number-of-ZIP-codes] ZIP codes in our analysis.

Frequently asked questions about home and auto bundle insurance

Is bundling home and auto insurance right for everyone in [state_name]?

Bundling home and auto insurance in [state_name] can help reduce costs and make policy management easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and separate quotes. Coverage can also vary, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in [state_name]?

Switching to a bundle is straightforward and often happens when one policy comes up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your current one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, check the total cost, coverage details, and the insurer’s reputation. It’s important to choose a licensed company with dependable claims handling, since the lowest price may not always offer the best protection (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. May 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Which companies offer the best home and auto bundles in [state_name]? Here's our pick
How do home and auto bundle rates compare in [state_name]?
What is the cheapest home and auto bundles in [state_name]?
Which ZIP codes are most and least expensive in [state_name]?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

Best and cheapest companies for home and auto bundles in Idaho