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 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 bundling

In 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 Iowa

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 Iowa.

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

Nationwide offers an average discount of $756 when you bundle your auto and home insurance, which is about 20%. Without the discount, the average cost is $3,771, but with the discount, the price drops to $3,015.

American Family

Bundling 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-Owners

The 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.

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 result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.

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

Where 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 Iowa for policyholders who bundle their coverage:

Most expensive ZIP codes

The 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 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 bundling home and auto insurance

Is bundling home and auto insurance right for everyone in Iowa?

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 Iowa?

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.