Best and cheapest companies for home and auto bundles in Idaho

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When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Idaho to determine which will give you the biggest price break when you purchase multiple types of coverage.

State Farm offers the biggest percentage break on your home and auto premiums in Idaho when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 31%.

Meanwhile, Nationwide offers the cheapest overall rate when you bundle with the company in Idaho. On average, you will pay $1,993 when you bundle.

Key Takeaways

In Idaho, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 31%.
Some insurance companies offer more significant bundling discounts, so comparing quotes is a good idea.
Your ZIP code plays a major role in determining how much you can save on your home and auto insurance bundle.
Bundling is usually a smart move, but sometimes it might not be the best option.

How we picked the best companies for home and auto bundling

In 2024, we conducted an analysis of home and auto insurance rates across all 50 states and Washington, D.C. using data from Quadrant Data Services. We examined the average bundling discounts offered by various insurance companies, calculating both pre and post bundling rates based on these discounts. Our analysis covered 48 insurance companies and data from 4,686 ZIP codes, providing a comprehensive view of bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Idaho

Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best companies for home and auto bundles in Idaho.

State Farm

State Farm offers an average bundle discount of $997, which is a 31% savings on your premiums. Before the discount, the combined home and auto insurance cost is $3,257, and after applying the bundle discount, the total cost 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

The average bundle discount at Farmers Insurance is $640, or 20%. Without the bundle discount, the average cost of coverage is $3,265. After the bundle discount, that cost goes down to $2,625. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and No. 8 in the Best Home Insurance Companies ranking.

Nationwide

The average bundle discount at Nationwide is $342, or 15%. Before the discount is added, the average cost of home and auto insurance is $2,335. After adding the bundle discount, the average cost is $1,993. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and at No. 7 in the Best Home Insurance Companies ranking.

Allstate

The average bundle discount at Allstate is $721, or 19%. Before getting a bundle discount, customers see average rates of $3,735 for coverage. With the bundle discount, customers see average rates of $3,014. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Compare home and auto bundles in Idaho

Bundling your home and auto insurance in Idaho can help you save, but the savings vary depending on the company. Let’s take a look at how much you can save with some of the top insurers.

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 bundles in Idaho?

If you bundle your policies, State Farm gives you the highest discount. Nationwide has the lowest overall rate for bundling.

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

The ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in Idaho for bundling insurance.

Most expensive ZIP codes

The ZIP code 83522 in Idaho has the highest average cost for bundling home and auto insurance, at $3,004. See the top 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 policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.

While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.

Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.

Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.

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?

Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.

You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.

Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.

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.