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: 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 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 best home and auto bundle insurance provider, offering an average discount of 28%.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 bundlingIn 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 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 FamilyAmerican Family offers an average discount of $727 when you bundle your auto and home insurance, which is about 19%. Without the discount, the average cost is $3,920, but with the discount, it drops to $3,193.Auto-OwnersAuto-Owners offers an average bundle discount of $375, which is about 11%. Without the discount, the combined cost of home and auto insurance is $3,378. After applying the discount, the total cost drops to $3,003.AllstateThe average bundle discount at Allstate is $543, or 14%. Before getting a bundle discount, customers see average rates of $3,883 for coverage. With the bundle discount, customers see average rates of $3,340. 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 IowaThe amount you can save on home and auto insurance with a bundle in Iowa 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$2,564 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%57.99What company offers the cheapest home and auto bundles in Iowa?If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.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$3,598Most 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 home and auto insurance bundling is 50833 at an average rate of $3,847. See the 10 most expensive ZIP codes below.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%Least expensive ZIP codesThe most affordable ZIP code in Iowa for bundling home and auto insurance is 52246, with an average rate of $2,804. Below are the 10 least expensive 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% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Iowa? 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 Iowa? 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 IowaCheapest car insurance in IowaIowa car insurance calculatorNon-owner auto insurance in Iowa: Which company has the cheapest rates?Cheapest SR-22 insurance in Iowa 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/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. 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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 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 bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates