Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Idaho Best and cheapest companies for home and auto bundles in Idaho State Farm has the biggest auto and home bundling discount in Idaho at an average of 31%, while Nationwide has the cheapest overall bundled rate at an average of $1,993 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. | Updated on: December 26, 2024 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 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 Idaho 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 Idaho when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 31%. Meanwhile, Nationwide offers the cheapest overall rate when you bundle with the company in Idaho. On average, you will pay $1,993 when you bundle. Key Takeaways In Idaho, State Farm is the best home and auto bundle insurance provider, offering an average discount of 31%.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 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 IdahoInsure.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 Idaho.State FarmState Farm offers a 31% bundle discount, which amounts to an average savings of $997. The combined cost of home and auto insurance before the discount is $3,257, and after the discount, it drops to $2,260.American FamilyAmerican Family offers an average bundle discount of $354, or 15%. Before the bundle discount, you’ll pay an average of $2,383, which will decrease to $2,029 after the discount is applied.Farmers InsuranceBundling auto and home insurance with Farmers Insurance can save an average of $640, or 20%. Without the discount, the coverage costs $3,265, but after the discount, it’s only $2,625.NationwideNationwide offers an average bundle discount of $342, which is about 15%. Without the discount, the combined cost of home and auto insurance is $2,335. After applying the discount, the total cost drops to $1,993.AllstateAllstate provides an average bundle discount of $721, or 19%. Before the discount, the average cost for coverage is $3,735. After applying the discount, the cost comes down to $3,014.Compare home and auto bundles in IdahoBundling your home and auto insurance in Idaho 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$2,260 4787.4A++31%80.82American Family$2,029 5085A15%66Farmers Insurance$2,625 4382A20%65.81Nationwide$1,993 4286.6A15%65.29Allstate$3,014 3985A+19%64.46What company offers the cheapest home and auto bundle in Idaho?State Farm provides the largest discount on premiums for bundled insurance, while Nationwide offers the lowest overall rate when you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleNationwide$1,239$1,096$2,335$1,993American Family$1,158$1,225$2,383$2,029State Farm$2,485$772$3,257$2,260Farmers Insurance$1,608$1,657$3,265$2,625Allstate$1,511$2,224$3,735$3,014Farm Bureau$3,304$1,488$4,792$4,301Most and least expensive ZIP codes for home and auto insurance bundles in IdahoYour 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 Idaho.Most expensive ZIP codesThe most expensive ZIP code in Idaho for home and auto insurance bundling is 83522 at an average rate of $3,004. See the 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference83522$3,00418%83523$2,95018%83245$2,91418%83611$2,90118%83214$2,87918%83467$2,87818%83217$2,87818%83801$2,86618%83524$2,84918%83204$2,84418%Least expensive ZIP codesThe most affordable ZIP code in Idaho for bundling home and auto insurance is 83705, with an average rate of $2,468. Below are the 10 least expensive ZIP codes.ZIP codeAverage auto and home after discountAverage difference83705$2,46818%83704$2,47318%83706$2,48018%83646$2,48818%83712$2,51418%83642$2,52218%83725$2,52518%83708$2,53018%83713$2,53218%83716$2,54318% Frequently asked questions about home and auto bundle insurance Is bundling home and auto insurance right for everyone in Idaho? 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 Idaho? 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 The best, cheapest car insurance in IdahoCheapest car insurance in IdahoIdaho car insurance calculatorNon-owner auto insurance in Idaho: Which company has the cheapest rates?Cheapest SR-22 insurance in Idaho 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/YearIllinois$2,678/YearIndiana$2,437/YearIowa$2,564/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 moreChris KissellContributing Researcher . .Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. 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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 IdahoCompare home and auto bundles in IdahoWhat company offers the cheapest home and auto bundle in Idaho?Most and least expensive ZIP codes for home and auto insurance bundles in IdahoFrequently asked questions about home and auto bundle insuranceMethodology ZIP Code Please enter valid ZIP See rates