Best and cheapest companies for home and auto bundles in Iowa

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Bundling home and auto insurance in Iowa can save you money, but the best deal depends on whether you prioritize the biggest discount or the lowest overall premium. On average, State Farm offers the highest percentage savings, while State Farm delivers the cheapest bundled rates.

Insurance companies vary widely in how they price bundles, so comparing multiple providers is key. The right choice depends on your home value, driving profile and where you live within Iowa.

What you need to know about bundling in Iowa

Bundling means purchasing multiple insurance policies, such as home and auto, from the same insurer to receive a discount.
State Farm offers the biggest bundle discount in Iowa, saving an average of 24%
The cheapest bundle doesn’t always come from the biggest discount – final premiums can vary by company
Your location within Iowa plays a major role in how much you’ll actually save
Bundling is often cheaper and more convenient, but it’s not always the best deal

Which companies offer the best home and auto bundles in Iowa? Here’s our pick

State Farm, Auto-Owners and IMT Insurance stand out as top home and auto bundle companies in Iowa, offering competitive pricing, solid discounts and strong performance in both auto and home insurance rankings. The best option for you depends on whether you prioritize maximum savings or the lowest overall cost.

We ranked insurers based on their average bundle discounts in both dollar and percentage terms, along with their rankings in home and auto insurance. Based on those criteria, these are the best bundling companies in Iowa:

State Farm

The average bundle discount at State Farm is $1,083, or 24%. State Farm makes bundling home and auto policies available to most customers, with a relatively simple qualification process. The average combined rate before the discount is $4,440.

Auto-Owners

The average bundle discount at Auto-Owners is $611, or 11%. For policyholders who carry both home and auto with Auto-Owners, the bundle discount applies without requiring any changes to existing coverage. Before the discount, customers pay $5,353 for coverage.

IMT Insurance

The average bundle discount at IMT Insurance is $512, or 10%. Policyholders who bundle with IMT Insurance manage both policies together, with one renewal date and a single team handling any claims. Without the bundle discount, the average rate for home and auto is $5,191.

Farmers

The average bundle discount at Farmers is $1,179, or 0.2. The average combined rate before the discount is $5,862.

Iowa Farm Bureau

The average bundle discount at Iowa Farm Bureau is $1,765, or 0.21. The average combined rate before the discount is $8,218.

People also ask:

Who has the cheapest home and auto bundle in Iowa?

State Farm has the cheapest home and auto bundle in Iowa, with an average premium of $3,357.

How much can you save by bundling home and auto insurance in Iowa?

Bundling home and auto insurance can save you around 17% on average, depending on the insurer. Actual savings may vary based on your policies, location, and eligibility for discounts.

How do home and auto bundle rates compare in Iowa?

Home and auto bundle rates in Iowa can vary widely by insurer. Some companies offer lower starting premiums, while others provide larger discounts, and the difference between providers can be significant. Comparing both the final cost and the discount is essential to finding the best deal.

Here’s how rates and savings compare across top insurers in Iowa:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
State Farm	A+	A+	$1,819	$2,621	0.87	1.15	$3,357	4.21
Auto-Owners	A+	A+	$2,463	$2,890	0.44	0.39	$4,742	4.12
IMT Insurance	A-	A-	$1,994	$3,197	0.00	0.56	$4,679	4.02
Farmers	A	A	$2,874	$2,988	1.24	0.89	$4,683	3.51
Iowa Farm Bureau	A	A	$2,155	$6,063	0.13	0.48	$6,453	3.31
Allstate	A+	A+	$3,776	$3,089	1.20	1.26	$5,954	2.86

Bundle savings can vary more than you expect

Two insurers may offer similar discounts but still produce very different final premiums depending on their base pricing. Always ask for the combined annual total for both policies after discounts are applied – not just the percentage savings – before deciding. The company with the biggest advertised discount isn’t always the one with the lowest final cost.

What is the cheapest home and auto bundles in Iowa?

State Farm offers the cheapest home and auto bundle in Iowa, with the lowest overall premium. If you’re looking to maximize savings through discounts, State Farm provides the highest percentage reduction.

A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest total cost or the largest discount.

Here’s how the cheapest bundle options compare in Iowa:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$2,621	$1,819	$4,440	$3,357
IMT Insurance	$3,197	$1,994	$5,191	$4,679
Farmers	$2,988	$2,874	$5,862	$4,683
Auto-Owners	$2,890	$2,463	$5,353	$4,742
Allstate	$3,089	$3,776	$6,865	$5,954
Iowa Farm Bureau	$6,063	$2,155	$8,218	$6,453

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or exclusions that leave you exposed when you need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price alone, review three key factors: liability limits, deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t actually a better deal – it becomes more expensive the moment you need to use it.

Which ZIP codes are most and least expensive in Iowa?

The most expensive ZIP code for bundled home and auto insurance in Iowa is 50833, with average rates of $5,082, while the least expensive is 52761, where premiums drop to $3,973. Rates vary based on local risks, property values and claims trends.

Where you live plays a major role in how much you pay, influencing both base premiums and available discounts.

Top ten most expensive ZIP codes

The most expensive ZIP code in Iowa for home and auto insurance bundling is 50833 at an average rate of $5,082.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
50833	$5,082	$914	15%
51520	$4,688	$843	15%
51030	$4,547	$835	16%
50049	$4,481	$810	15%
50314	$4,444	$809	15%
51005	$4,423	$804	15%
50050	$4,410	$803	15%
52544	$4,392	$788	15%
50360	$4,364	$797	15%
50316	$4,362	$797	15%

Top ten cheapest ZIP codes

The least expensive ZIP code in Iowa for home and auto insurance bundling is 52761 at an average rate of $3,973.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
52761	$3,973	$713	15%
50322	$3,995	$734	16%
52806	$4,024	$735	15%
52243	$4,033	$725	15%
52246	$4,049	$733	15%
52807	$4,049	$732	15%
52245	$4,056	$738	15%
52242	$4,065	$740	15%
50248	$4,069	$750	16%
52240	$4,093	$744	15%

Your ZIP code can impact your rate more than your insurer

Location-based risks like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.

Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Iowa by city

See rates in your city

Cedar Rapids

Davenport

Des Moines

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 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 6 companies and 79 ZIP codes in our analysis.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Iowa can help reduce costs and simplify policy management, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and unbundled quotes. Coverage can also differ between companies, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in Iowa?

Switching to a bundle is straightforward. Many people make the change when one of their policies is up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your old one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

When bundling home and auto insurance, review the total premium, coverage details, and the insurer’s reliability. It’s also important to choose a licensed company with strong claims support, since lower prices may come with trade-offs (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. May 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

Show more states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Which companies offer the best home and auto bundles in Iowa? Here's our pick
How do home and auto bundle rates compare in Iowa?
What is the cheapest home and auto bundles in Iowa?
Which ZIP codes are most and least expensive in Iowa?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

Best and cheapest companies for home and auto bundles in Iowa