Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Iowa Best and cheapest companies for home and auto bundles in Iowa State Farm has the biggest auto and home bundling discount in Iowa at an average of 28%, and has the cheapest overall bundled rate at an average of $2,564 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 shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in Iowa to identify which ones provide significant savings when combining multiple coverage types.State Farm provides the highest percentage discount on home and auto insurance premiums in Iowa when you bundle your policies. By choosing this insurer, you can save an average of 28% on your home and auto bundle. On the other hand, State Farm provides the lowest overall rate for bundling in Iowa. When you bundle your policies, you can expect to pay an average of $2,564. 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 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 IowaWe ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Iowa.State FarmState Farm offers an average bundle discount of $1,004, which is a 28% savings on your premiums. Before the discount, the combined home and auto insurance cost is $3,568, and after applying the bundle discount, the total cost drops to $2,564.NationwideNationwide 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 FamilyAmerican Family offers an average discount of $727 when you bundle your auto and home insurance, which is about 19%. Without the discount, the average cost is $3,920, but with the discount, it drops to $3,193.Auto-OwnersThe 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.AllstateAllstate 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 IowaBundling 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.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$2,564 4787.4A++28%82.03Nationwide$3,015 4286.6A20%66.67American Family$3,193 5085A19%64.82Auto-Owners$3,003 4981.2A++11%60.97Allstate$3,340 3985A+14%58.33Farmers Insurance$3,522 4382A17%57.99What company offers the cheapest home and auto bundles in Iowa?If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$2,615$953$3,568$2,564IMT Insurance$1,756$1,499$3,255$2,946Auto-Owners$1,645$1,733$3,378$3,003Nationwide$2,627$1,144$3,771$3,015American Family$2,524$1,396$3,920$3,193Allstate$1,869$2,014$3,883$3,340Farmers Insurance$2,747$1,513$4,260$3,522Iowa Farm bureau$2,828$1,442$4,270$3,598Most and least expensive ZIP codes for home and auto insurance bundles in IowaWhere 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 codesThe most expensive ZIP code in Iowa for home and auto insurance bundling is 50833 at an average rate of $3,847. See the 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference50833$3,84716%51520$3,56016%50940$3,46716%50947$3,45916%50936$3,45016%50981$3,44216%50980$3,44216%50950$3,43916%50050$3,38017%50049$3,33717%Least expensive ZIP codesThe least expensive ZIP code in Iowa for bundling home and auto insurance is 52246, with an average cost of $2,804. Here are the 10 cheapest ZIP codes:ZIP codeAverage auto and home after discountAverage difference52246$2,80417%52245$2,85817%52242$2,86617%52240$2,87317%52243$2,88517%50263$2,91317%50009$2,92117%50322$2,92317%52761$2,93217%50111$2,93917% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Iowa? Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.It’s also possible that a company has the right coverage for one type of insurance but not for the other.Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.“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 bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered. 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 IowaCheapest car insurance in IowaIowa car insurance calculatorNon-owner auto insurance in Iowa: Which company has the cheapest rates?Cheapest SR-22 insurance in Iowa 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/YearIdaho$1,993/YearIllinois$2,678/YearIndiana$2,437/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 IowaCompare home and auto bundles in IowaWhat company offers the cheapest home and auto bundles in Iowa?Most and least expensive ZIP codes for home and auto insurance bundles in IowaFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates