Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Iowa Best and cheapest companies for home and auto bundles in Iowa State Farm has the biggest auto and home bundling discount in Iowa at an average of 28%, and has the cheapest overall bundled rate at an average of $2,564 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: October 1, 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 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 Iowa 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 Iowa when you bundle your policies. By choosing this insurer, you can save an average of 28% on your home and auto bundle. On the other hand, State Farm provides the lowest overall rate for bundling in Iowa. When you bundle your policies, you can expect to pay an average of $2,564. Key Takeaways In Iowa, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 28%.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 bundlingIn 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 IowaWe ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Iowa.State FarmThe average bundle discount at State Farm is $1,004, or 28%. Before the bundle discount is added, the average cost of home and auto insurance is $3,568. After getting a bundle discount, the cost drops to $2,564. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.NationwideNationwide offers an average bundle discount of $756, or 20%. Before the bundle discount, you’ll pay an average of $3,771, which will decrease to $3,015 after the discount is applied.American FamilyBundling auto and home insurance with American Family can save an average of $727, or 19%. Without the discount, the coverage costs $3,920, but after the discount, it’s only $3,193.Auto-OwnersThe average bundle discount at Auto-Owners is $375, which is a 11% savings. The cost of home and auto insurance before the discount is $3,378, but it lowers to $3,003 after applying the discount.AllstateAllstate offers an average bundle discount of $543, or 14%. The average rate for coverage before the discount is $3,883, and with the discount, it’s reduced to $3,340.Compare home and auto bundles in IowaBundling your home and auto insurance in Iowa can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$2,564 4787.4A++28%82.03Nationwide$3,015 4286.6A20%66.67American Family$3,193 5085A19%64.82Auto-Owners$3,003 4981.2A++11%60.97Allstate$3,340 3985A+14%58.33Farmers Insurance$3,522 4382A17%57.99Powered by: Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now What company offers the cheapest home and auto bundles in Iowa?State Farm offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$2,615$953$3,568$2,564IMT Insurance$1,756$1,499$3,255$2,946Auto-Owners$1,645$1,733$3,378$3,003Nationwide$2,627$1,144$3,771$3,015American Family$2,524$1,396$3,920$3,193Allstate$1,869$2,014$3,883$3,340Farmers Insurance$2,747$1,513$4,260$3,522Iowa Farm bureau$2,828$1,442$4,270$3,598Powered by:Most and least expensive ZIP codes for home and auto insurance bundles in IowaThe 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 Iowa for bundling insurance.Most expensive ZIP codesThe most expensive ZIP code in Iowa for bundling home and auto insurance is 50833, with an average cost of $3,847. Here are the 10 most expensive ZIP codes:ZIP codeAverage auto and home after discountAverage difference50833$3,84716%51520$3,56016%50940$3,46716%50947$3,45916%50936$3,45016%50981$3,44216%50980$3,44216%50950$3,43916%50050$3,38017%50049$3,33717%Powered by:Least expensive ZIP codesThe least expensive ZIP code in Iowa for bundling home and auto insurance is 52246, with an average cost of $2,804. Here are the 10 cheapest ZIP codes:ZIP codeAverage auto and home after discountAverage difference52246$2,80417%52245$2,85817%52242$2,86617%52240$2,87317%52243$2,88517%50263$2,91317%50009$2,92117%50322$2,92317%52761$2,93217%50111$2,93917%Powered by: Frequently asked questions about home and auto bundle insurance Is bundling home and auto insurance right for everyone in Iowa? Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.Rather than simply assuming that a bundle is your best deal, it always pays to shop around.“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 Iowa? Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated. 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 Average car insurance cost in IowaCar insurance calculator for teens in IowaCheapest SR-22 insurance in IowaDo you need insurance to register a car in Iowa?How much is gap insurance in IowaIowa car insurance calculatorLow-cost car insurance in IowaNon-owner auto insurance in Iowa: Which company has the cheapest rates?The best, cheapest car insurance in IowaShow more Chris 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.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/YearIdaho$1,993/YearIllinois$2,678/YearIndiana$2,437/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/YearWashington, D.C.$2,506/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow more In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 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 IowaCompare home and auto bundles in IowaWhat company offers the cheapest home and auto bundles in Iowa?Most and least expensive ZIP codes for home and auto insurance bundles in IowaFrequently asked questions about home and auto bundle insuranceMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330