Best and cheapest companies for home and auto bundles in Idaho

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Bundling home and auto insurance in Idaho can save you money, but the best deal depends on whether you prioritize the biggest discount or the lowest overall premium. On average, State Farm offers the highest percentage savings, while State Farm delivers the cheapest bundled rates.

Insurance companies vary widely in how they price bundles, so comparing multiple providers is key. The right choice depends on your home value, driving profile and where you live within Idaho.

What you need to know about bundling in Idaho

Bundling means purchasing multiple insurance policies, such as home and auto, from the same insurer to receive a discount.
State Farm offers the biggest bundle discount in Idaho, saving an average of 24%
The cheapest bundle doesn’t always come from the biggest discount – final premiums can vary by company
Your location within Idaho plays a major role in how much you’ll actually save
Bundling is often cheaper and more convenient, but it’s not always the best deal

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

State Farm, Farmers and Idaho Farm Bureau stand out as top home and auto bundle companies in Idaho, offering competitive pricing, solid discounts and strong performance in both auto and home insurance rankings. The best option for you depends on whether you prioritize maximum savings or the lowest overall cost.

We ranked insurers based on their average bundle discounts in both dollar and percentage terms, along with their rankings in home and auto insurance. Based on those criteria, these are the best bundling companies in Idaho:

State Farm

The average bundle discount at State Farm is $664, or 24%. Most State Farm policyholders can bundle home and auto under a single account, making the discount easy to access. Without the bundle discount, the average rate for home and auto is $2,748.

Farmers

The average bundle discount at Farmers is $794, or 21%. For Farmers customers with both home and auto policies, the bundle discount is applied to current coverage without needing to modify existing plans. Without the bundle discount, the average rate for home and auto is $3,867.

Idaho Farm Bureau

The average bundle discount at Idaho Farm Bureau is $518, or 10%. Bundling with Idaho Farm Bureau also consolidates your policies under one renewal date and one point of contact for claims. Without the bundle discount, the average cost of coverage is $5,107.

Nationwide

The average bundle discount at Nationwide is $408, or 10%. Without the bundle discount, the average rate for home and auto is $3,979.

Allstate

The average bundle discount at Allstate is $965, or 18%. Before the discount, customers see average rates of $5,221.

People also ask:

Who has the cheapest home and auto bundle in Idaho?

State Farm typically provides the most affordable home and auto bundle in Idaho, with average premiums around $2,084.

How much can you save by bundling home and auto insurance in Idaho?

Drivers who bundle home and auto insurance can save around 17% on average, depending on the insurer and their individual profile.

How do home and auto bundle rates compare in Idaho?

Home and auto bundle rates in Idaho 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 Idaho:

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 insurers may advertise similar discounts but still produce very different final premiums depending on their starting rates. Always ask for the total combined annual cost of both policies after discounts are applied – not just the discount percentage – before deciding where to bundle. The company with the biggest advertised savings isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in Idaho?

Choose State Farm if your priority is the lowest overall premium for a home and auto bundle in Idaho. 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 Idaho:

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

Cheaper premiums can sometimes come with higher deductibles, lower coverage limits or exclusions that leave you financially exposed when you 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 alone, review three key elements: your liability limits, deductible amounts and what’s excluded from the policy. A policy that saves you a few hundred dollars per year but increases your out-of-pocket costs significantly isn’t a better deal – it’s a bigger risk.

Which ZIP codes are most and least expensive in Idaho?

The most expensive ZIP code for home and auto bundles in Idaho is 83523, with average rates of $3,756, while the cheapest is 83708, where average premiums drop to $3,180. Rates can vary significantly across locations due to differences in risk, property values and local claims data.

Where you live plays a major role in how much you pay for bundled insurance, as both base premiums and available discounts vary by ZIP code.

Top ten most expensive ZIP codes

The most expensive ZIP code in Idaho for home and auto insurance bundling is 83523 at an average rate of $3,756.

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 Idaho for home and auto insurance bundling is 83708 at an average rate of $3,180.

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%

Your ZIP code can impact your rate more than your insurer

Location-based risks like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.

Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant.

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 across all 50 states and Washington, D.C. Bundle discount percentages were also reviewed based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 5 companies and 47 ZIP codes.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Idaho 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 Idaho?

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. June 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

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

Show more 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 Idaho? Here's our pick
How do home and auto bundle rates compare in Idaho?
What is the cheapest home and auto bundles in Idaho?
Which ZIP codes are most and least expensive in Idaho?
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