Best and Cheapest Home and Auto Bundle Companies in Idaho (2024)

When looking for the best home and auto insurance bundles, you must not focus solely on discounts — also consider service quality and the affordability of both policies.

Based on these important factors, MoneyGeek recommends the following insurance providers in Idaho:

• State Farm: MoneyGeek score of 81 out of 100
• Farmers: MoneyGeek score of 76 out of 100

State Farm and Farmers score equally well in terms of service quality with their home insurance products. But State Farm outperforms Farmers on its auto insurance products and on discounts for bundling policies.

Bundled insurance policy buyers in Idaho who have a military background will find that USAA is an ideal option. MoneyGeek ranks it first in terms of affordability and customer service, with a total score of 90 out of 100. But you need to meet its eligibility requirements to purchase a policy.

In Idaho, bundling home and auto insurance policies could earn you an average discount of 13% or $242 per year.

Note, however, that the amount of discount tends to vary across providers. According to MoneyGeek’s research, State Farm gives the largest bundling discount at 27% or $710 per year, while Travelers has the lowest bundling discount at 9% or $157 per year.

Also, keep in mind that the company with the largest bundling discount isn’t automatically the cheapest. For example, Allstate is the cheapest company for bundling home and auto insurance in Idaho at an average premium of $1,518 per year, but this only includes a bundling discount of 11%, which is third among the major insurance providers in the state.

MoneyGeek found that these companies have the cheapest home and auto bundles in Idaho regardless of discounts:

• Allstate: $1,518 per year
• Farmers: $1,599 per year

But aside from cost, you must also consider how well an insurer can deliver the coverages that you need, as well as the quality of service that you’ll receive, especially when filing and processing a claim.

In some cases, purchasing separate home and auto policies from different companies can end up giving you more savings than bundling your policies under one provider. To do this, simply pair up the two insurers that offer the cheapest rates for home and auto insurance.

MoneyGeek discovered that the cheapest non-bundle option in Idaho combines a home insurance policy from Allstate ($894) and an auto insurance policy from State Farm ($601) for a total annual cost of $1,495. This is slightly less than the cheapest bundle option at $1,518 per year from Allstate.

Bundling your home and auto insurance in Idaho often saves you time and money. Most insurance companies provide significant bundling discounts, and maintaining a relationship with just one insurer can be very convenient. However, this option may not always be the cheapest and might not work for everyone.