Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Idaho Best and cheapest companies for home and auto bundles in Idaho State Farm has the biggest auto and home bundling discount in Idaho at an average of 31%, while Nationwide has the cheapest overall bundled rate at an average of $1,993 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell 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. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance. | Updated on: April 23, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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 best home and auto bundle insurance provider, offering an average discount of 31%.Some companies offer bigger savings for bundling than others, so it pays to shop around.Where you live within the state will impact how much you can save by bundling.Bundling usually makes sense, but there are situations where this might not be the case. How we picked the best companies for home and auto bundlingInsure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 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 48 companies and 4,686 ZIP codes in our analysis.Our recommendation for the best home and auto bundles in IdahoInsure.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 FarmState 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 FamilyAmerican Family offers an average bundle discount of $354, or 15%. Before the bundle discount, you’ll pay an average of $2,383, which will decrease to $2,029 after the discount is applied.Farmers InsuranceThe 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.NationwideThe 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.AllstateAllstate provides an average bundle discount of $721, or 19%. Before the discount, the average cost for coverage is $3,735. After applying the discount, the cost comes down to $3,014.Compare home and auto bundles in IdahoThe 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.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$2,260 4787.4A++31%80.82American Family$2,029 5085A15%66Farmers Insurance$2,625 4382A20%65.81Nationwide$1,993 4286.6A15%65.29Allstate$3,014 3985A+19%64.46What 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.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleNationwide$1,239$1,096$2,335$1,993American Family$1,158$1,225$2,383$2,029State Farm$2,485$772$3,257$2,260Farmers Insurance$1,608$1,657$3,265$2,625Allstate$1,511$2,224$3,735$3,014Farm Bureau$3,304$1,488$4,792$4,301Most and least expensive ZIP codes for home and auto insurance bundles in IdahoWhere you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in Idaho for policyholders who bundle their coverage:Most expensive ZIP codesThe 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 codeAverage auto and home after discountAverage difference83522$3,00418%83523$2,95018%83245$2,91418%83611$2,90118%83214$2,87918%83467$2,87818%83217$2,87818%83801$2,86618%83524$2,84918%83204$2,84418%Least expensive ZIP codesThe least expensive ZIP code in Idaho for home and auto insurance bundling is 83705 at an average rate of $2,468. See the 10 least expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference83705$2,46818%83704$2,47318%83706$2,48018%83646$2,48818%83712$2,51418%83642$2,52218%83725$2,52518%83708$2,53018%83713$2,53218%83716$2,54318% 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. MethodologyInsure.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. You might find interesting The best, cheapest car insurance in IdahoCheapest car insurance in IdahoIdaho car insurance calculatorNon-owner auto insurance in Idaho: Which company has the cheapest rates?Cheapest SR-22 insurance in Idaho How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/YearCalifornia$2,866/YearColorado$3,605/YearDelaware$1,952/YearFlorida$3,408/YearGeorgia$3,022/YearIllinois$2,678/YearIndiana$2,437/YearIowa$2,564/YearKansas$3,865/YearKentucky$3,465/YearLouisiana$3,987/YearMaine$1,385/YearMaryland$2,935/YearMichigan$3,651/YearMinnesota$2,949/YearMississippi$3,255/YearMissouri$3,393/YearMontana$3,188/YearNebraska$4,496/YearNevada$2,442/YearNew Hampshire$1,615/YearNew York$3,450/YearNorth Carolina$1,823/YearNorth Dakota$3,244/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/YearRhode Island$1,739/YearSouth Carolina$2,766/YearSouth Dakota$3,482/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris KissellContributing 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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? How much used car insurance costs: Most and least expensive models to insure The best car insurance for people with bad credit in 2025 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How we picked the best companies for home and auto bundlingOur recommendation for the best home and auto bundles in IdahoCompare home and auto bundles in IdahoWhat company offers the cheapest home and auto bundle in Idaho?Most and least expensive ZIP codes for home and auto insurance bundles in IdahoFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates