Best and cheapest companies for home and auto bundles in Iowa

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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 Iowa 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 Iowa when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 28%.

Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in Iowa. On average, you will pay $2,564 when you bundle.

Key Takeaways

In Iowa, State Farm offers the biggest average discount of 28% on home and auto insurance bundles.
Different companies offer varying discounts for bundling, so it’s worth shopping around.
Where you live in the state can affect how much you save by bundling.
Bundling is generally a good idea, but in a few situations, it might not save you money.

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 Iowa

We assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in Iowa for home and auto bundling.

State Farm

The 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.

Nationwide

The average bundle discount at Nationwide is $756, or 20%. Without a bundle discount, customers pay $3,771 for coverage. After the bundle discount, customers pay $3,015 on average. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.

American Family

The average bundle discount at American Family is $727, or 19%. Without the bundle discount, the average cost of coverage is $3,920. After the bundle discount, that cost goes down to $3,193. American Family ranked at No. 9 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Auto-Owners

The average bundle discount at Auto-Owners is $375, or 11%. Before the discount is added, the average cost of home and auto insurance is $3,378. After adding the bundle discount, the average cost is $3,003. Auto-Owners ranked at No. 2 in our Best Auto Insurance Companies ranking and at No. 3 in the Best Home Insurance Companies ranking.

Allstate

Allstate provides an average bundle discount of $543, or 14%. Before the discount, the average cost for coverage is $3,883. After applying the discount, the cost comes down to $3,340.

Compare home and auto bundles in Iowa

Bundling your home and auto insurance in Iowa 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	$2,564	47	87.4	A++	28%	82.03
Nationwide	$3,015	42	86.6	A	20%	66.67
American Family	$3,193	50	85	A	19%	64.82
Auto-Owners	$3,003	49	81.2	A++	11%	60.97
Allstate	$3,340	39	85	A+	14%	58.33
Farmers Insurance	$3,522	43	82	A	17%	57.99

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What company offers the cheapest home and auto bundle in Iowa?

State Farm provides the largest discount on premiums for bundled insurance, while State Farm offers the lowest overall rate when you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$2,615	$953	$3,568	$2,564
IMT Insurance	$1,756	$1,499	$3,255	$2,946
Auto-Owners	$1,645	$1,733	$3,378	$3,003
Nationwide	$2,627	$1,144	$3,771	$3,015
American Family	$2,524	$1,396	$3,920	$3,193
Allstate	$1,869	$2,014	$3,883	$3,340
Farmers Insurance	$2,747	$1,513	$4,260	$3,522
Iowa Farm bureau	$2,828	$1,442	$4,270	$3,598

Most and least expensive ZIP codes for home and auto insurance bundles in Iowa

Your ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Iowa.

Most expensive ZIP codes

The ZIP code 50833 in Iowa has the highest average cost for bundling home and auto insurance, at $3,847. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
50833	$3,847	16%
51520	$3,560	16%
50940	$3,467	16%
50947	$3,459	16%
50936	$3,450	16%
50981	$3,442	16%
50980	$3,442	16%
50950	$3,439	16%
50050	$3,380	17%
50049	$3,337	17%

Least expensive ZIP codes

The least expensive ZIP code in Iowa for home and auto insurance bundling is 52246 at an average rate of $2,804. See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
52246	$2,804	17%
52245	$2,858	17%
52242	$2,866	17%
52240	$2,873	17%
52243	$2,885	17%
50263	$2,913	17%
50009	$2,921	17%
50322	$2,923	17%
52761	$2,932	17%
50111	$2,939	17%

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.

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.