Below are our picks for the best home and auto insurance bundling companies in Iowa:
Best Home and Auto Insurance in Iowa
Updated: April 8, 2025
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Key Takeaways
Iowa's best home and auto insurance companies are Auto-Owners, USAA and Farmers.
Farmers offers the best home and auto insurance discount, with savings of 9% on auto and 20% on home insurance.
Home and auto insurance in Iowa costs around $2,199 per year, 29% below the national average.
Who Offers the Best Home and Auto Insurance Bundles in Iowa?
| Auto-Owners | 95 | $1,912 | $190 |
| USAA | 82 | $2,738 | $126 |
| State Farm | 80 | $2,020 | $855 |
| Farmers | 76 | $1,957 | $338 |
| Allstate | 67 | $2,366 | $326 |
Auto-Owners: Best Cheap Home and Auto Insurance in Iowa
Auto-Owners offers Iowa's best affordable home and car insurance bundles. When bundling, you can save an average of 5% on auto policies and 12% on home insurance. You may qualify for more discounts by paying on time and having safety features.
| Auto | $809 | $46 | 5% |
| Home | $1,103 | $144 | 12% |
USAA: Best Home and Auto Insurance in Iowa for Military
USAA is the best home and auto insurance company for military members and their families. It offers many other discounts, such as pay-per-mile car insurance or USAA SafePilot, which can further reduce auto policy costs. According to J.D. Power, USAA provides the nation's top customer service for both home and auto insurance.
| Auto | $744 | $26 | 3% |
| Home | $1,994 | $100 | 5% |
Farmers: Best Home and Auto Insurance Coverage Options in Iowa
Farmers provides Iowa's second most affordable home and auto insurance rates with a 9% discount on auto and 20% on home insurance. The company scored high in our coverage study for its unique options, including accident forgiveness, rideshare insurance and coverage for customized equipment.
| Auto | $990 | $101 | 9% |
| Home | $967 | $237 | 20% |
Iowa Home and Auto Insurance Cost
Iowa's average monthly home and auto insurance cost of $183 is lower than the national average of $258. Monthly rates vary by provider, ranging from $159 to $228.
| Iowa home and auto insurance bundle | $2,199 | $895 | -29% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Iowa Home and Auto Insurance Quotes Without Bundling
Our research shows that not bundling home and auto insurance in Iowa costs more, though your quotes may vary. Below are the average costs of all coverage combinations from our top providers without bundling, listed from cheapest to most expensive.
| State Farm | Farmers | $1,941 |
| USAA | Farmers | $1,974 |
| State Farm | Auto-Owners | $1,984 |
| USAA | Auto-Owners | $2,016 |
| Auto-Owners | Farmers | $2,060 |
| Allstate | Farmers | $2,184 |
| Allstate | Auto-Owners | $2,227 |
| Farmers | Auto-Owners | $2,337 |
| State Farm | Allstate | $2,449 |
| USAA | Allstate | $2,482 |
| Auto-Owners | Allstate | $2,568 |
| Farmers | Allstate | $2,803 |
| State Farm | USAA | $2,831 |
| USAA | State Farm | $2,907 |
| Auto-Owners | USAA | $2,949 |
| Auto-Owners | State Farm | $2,993 |
| Allstate | USAA | $3,074 |
| Allstate | State Farm | $3,118 |
| Farmers | USAA | $3,184 |
| Farmers | State Farm | $3,228 |
Should I Bundle Home and Auto Insurance in Iowa?
For Iowa drivers, bundling home and auto insurance typically costs less than buying policies separately. Evaluate your coverage needs and financial situation to find your best option.
Bundling discounts save you more than individual policies
In Iowa, bundling home and auto insurance can save you money. The cheapest annual cost without bundling is $1,941, while bundling can bring it down to $1,912.
Bundling makes policy management convenient
Having home and auto insurance under one account allows you to manage everything in one place, which saves time and reduces hassle.
In rare cases, it might be better not to bundle in Iowa
Sometimes, choosing separate policies offers more coverage options. Though it may cost more, this approach provides flexibility to tailor insurance to your needs.
Best Auto and Home Insurance in Iowa: Bottom Line
Auto-Owners, USAA and Farmers are the top choices for bundling home and auto insurance in Iowa. Bundling helps you save more money than buying separate policies. Compare multiple companies and get quotes to find the best deal for your needs.
Home and Auto Insurance in Iowa: FAQ
MoneyGeek shares expert answers to common questions about Iowa home and auto insurance:
Who has the best home and auto insurance in Iowa?
Auto-Owners is the best home and auto insurance provider in Iowa. USAA is a top option for military members and their families, while Farmers offers the best coverage options in the state.
Who has the cheapest home and auto insurance in Iowa?
Auto-Owners offers Iowa's lowest home and auto insurance bundle, with an annual premium of $1,912. Policyholders can save around $190 compared to the state average.
How much does home and auto insurance in Iowa cost on average?
Iowa's average annual premium for bundling home and auto insurance is around $2,199, about 29% lower than the national average. The most affordable rate is $1,912, while the priciest is $2,738.
Is bundling home and auto insurance cheaper in Iowa?
Bundling home and auto insurance is typically cheaper in Iowa. While seeking the least expensive option, ensure you get adequate financial protection.
Best Auto and Home Insurance Bundle in Iowa: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Iowa Insurance Division and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Iowa
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Iowa
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.