Best and cheapest companies for home and auto bundles in Idaho

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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 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 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 Idaho

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 Idaho.

State Farm

State 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 Family

American 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 Insurance

Bundling 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.

Nationwide

Nationwide 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.

Allstate

Allstate 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 Idaho

Bundling 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.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$2,260	47	87.4	A++	31%	80.82
American Family	$2,029	50	85	A	15%	66
Farmers Insurance	$2,625	43	82	A	20%	65.81
Nationwide	$1,993	42	86.6	A	15%	65.29
Allstate	$3,014	39	85	A+	19%	64.46

What 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.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Nationwide	$1,239	$1,096	$2,335	$1,993
American Family	$1,158	$1,225	$2,383	$2,029
State Farm	$2,485	$772	$3,257	$2,260
Farmers Insurance	$1,608	$1,657	$3,265	$2,625
Allstate	$1,511	$2,224	$3,735	$3,014
Farm Bureau	$3,304	$1,488	$4,792	$4,301

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

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 Idaho.

Most expensive ZIP codes

The 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 code	Average auto and home after discount	Average difference
83522	$3,004	18%
83523	$2,950	18%
83245	$2,914	18%
83611	$2,901	18%
83214	$2,879	18%
83467	$2,878	18%
83217	$2,878	18%
83801	$2,866	18%
83524	$2,849	18%
83204	$2,844	18%

Least expensive ZIP codes

The 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 code	Average auto and home after discount	Average difference
83705	$2,468	18%
83704	$2,473	18%
83706	$2,480	18%
83646	$2,488	18%
83712	$2,514	18%
83642	$2,522	18%
83725	$2,525	18%
83708	$2,530	18%
83713	$2,532	18%
83716	$2,543	18%

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.

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.

You might find interesting

How much is home and auto bundle insurance in other states

Alabama$2,543/Year

Arizona$2,478/Year

Arkansas$3,119/Year

California$2,866/Year

Colorado$3,605/Year

Delaware$1,952/Year

Florida$3,408/Year

Georgia$3,022/Year

Illinois$2,678/Year

Indiana$2,437/Year

Iowa$2,564/Year

Kansas$3,865/Year

Kentucky$3,465/Year

Louisiana$3,987/Year

Maine$1,385/Year

Maryland$2,935/Year

Michigan$3,651/Year

Minnesota$2,949/Year

Mississippi$3,255/Year

Missouri$3,393/Year

Montana$3,188/Year

Nebraska$4,496/Year

Nevada$2,442/Year

New Hampshire$1,615/Year

New York$3,450/Year

North Carolina$1,823/Year

North Dakota$3,244/Year

Ohio$2,229/Year

Oklahoma$4,641/Year

Oregon$1,701/Year

Pennsylvania$2,589/Year

Rhode Island$1,739/Year

South Carolina$2,766/Year

South Dakota$3,482/Year

Tennessee$2,843/Year

Utah$1,972/Year

Vermont$1,553/Year

Virginia$1,995/Year

Washington$1,762/Year

Washington, D.C.$2,506/Year

West Virginia$2,361/Year

Wisconsin$2,083/Year

Wyoming$2,619/Year

Chris Kissell

Contributing 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.

On this page

How we picked the best companies for home and auto bundling
Our recommendation for the best home and auto bundles in Idaho
Compare home and auto bundles in Idaho
What company offers the cheapest home and auto bundle in Idaho?
Most and least expensive ZIP codes for home and auto insurance bundles in Idaho
Frequently asked questions about home and auto bundle insurance
Methodology