Best companies for home and auto insurance bundles

Let's start with the best major insurance companies for bundling. All of these companies made our list of the best insurance companies for 2024.

State Farm

Average bundled rate: $3,108

Average bundle discount25%
Auto insurance rating4.3Insurance.com score: 4.3/5
Home insurance rating4.3Insurance.com score: 4.3/5
Pros: Lower than average rates, available nationwide, highest bundle discount
Cons: Not currently writing home insurance in California
Our take: State Farm is a good pick if being with a large, financially stable company is important to you. Rates may not be the lowest overall, but are lower than average and bundle savings are significant.

Nationwide

Average bundled rate: $3,349

Average bundle discount22%
Auto insurance rating4.3Insurance.com score: 4.3/5
Home insurance rating3.9Insurance.com score: 3.9/5
Pros: Auto rates are below average, large bundle discount, low complaints ratio
Cons: Not available in all states, home rates are a little above average
Our take: Nationwide is a good pick for bundling with below-average auto insurance rates and an average bundle discount of 22% that might make up for higher-than-average home insurance rates.

Farmers

Average bundled rate: $4,576

Average bundle discount18%
Auto insurance rating4.3Insurance.com score: 4.3/5
Home insurance rating3.8Insurance.com score: 3.8/5
Pros: Available nationwide, low complaint volume, bundling available with life and other policies as well.
Cons: Both auto and home rates are above average.
Our take: Farmers offers an average 18% auto and home bundling discount that may counteract higher base rates and offers bundle discounts with a variety of other products as well.

Allstate

Average bundled rate: $3,778

Average bundling discount18%
Auto insurance rating3.8Insurance.com score: 3.8/5
Home insurance rating4.2Insurance.com score: 4.2/5
Pros: Low base rates, available nationwide, top for auto claims service in our survey
Cons: Not currently writing home insurance in California
Our take: Allstate has a big 18% discount on a home and auto bundle, and average rates are low, especially for home insurance. It's one of the largest home insurance companies in the nation and offers policies in all states, as the name implies.

Erie Insurance

Average bundled rate: $3,040

Average bundle discount17%
Auto insurance rating4.7Insurance.com score: 4.7/5
Home insurance rating4.6Insurance.com score: 4.6/5
Pros: No. 1 for home and auto in our 2024 ranking, below-average rates
Cons: Not available in all states
Our take: Although it's not available nationwide, Erie Insurance was the top-rated company for home and auto insurance in our 2024 ranking, with top marks for customer service and low rates.

Best insurance companies for home and auto

Indiana Farm Bureau has the best policy bundling discount, at 28%, of all companies surveyed. Vermont Mutual offers the second biggest discount, with potential savings of up to 26%, and also has the lowest bundle rate after the discount is applied at $1,743. At $1,900 on average, Pemco Mutual has the second-lowest rate after bundling. 

The table below provides a home and auto insurance bundle comparison. You can see various insurance companies' average insurance bundling discounts and potential total savings. Not all of these companies operate in all states.

Company Auto rate Home rate Total rate Total rate after bundle Total $ savings Bundle discount %
Indiana Farm Bureau$2,153$4,414$6,567$4,728$1,83928%
Vermont Mutual$1,413$943$2,356$1,743$61326%
Grange Mutual$986$2,876$3,862$2,897$96625%
State Farm$1,975$2,169$4,144$3,108$1,03625%
Nationwide$1,548$2,746$4,294$3,349$94522%
Oklahoma Farm Bureau$3,295$4,225$7,520$5,866$1,65422%
Safety$1,517$1,775$3,292$2,568$72422%
Pemco Mutual$1,326$1,079$2,405$1,900$50521%
The Hanover$2,082$3,185$5,267$4,161$1,10621%
CSAA$2,600$1,355$3,955$3,164$79120%
NYCM$1,300$1,132$2,432$1,946$48620%
Allstate$2,509$2,098$4,607$3,778$82918%
Automobile Club MI$1,616$1,990$3,606$2,957$64918%
Country Financial$1,680$3,669$5,349$4,386$96318%
Farmers$2,387$3,194$5,581$4,576$1,00518%
Alfa$3,225$3,517$6,742$5,596$1,14617%
Erie$1,480$2,183$3,663$3,040$62317%
Iowa Farm Bureau$2,272$3,799$6,071$5,039$1,03217%
American Family$1,698$2,504$4,202$3,530$67216%
Arbella$1,708$1,547$3,255$2,734$52116%
Cincinnati Financial$1,624$2,248$3,872$3,252$62016%
Frankenmuth$2,391$1,629$4,020$3,377$64316%
Kentucky Farm Bureau$2,113$6,071$8,184$6,875$1,30916%
MMG$1,306$1,568$2,874$2,414$46016%
Shelter$1,969$3,972$5,941$4,990$95116%
Amica Mutual$2,216$2,000$4,216$3,584$63215%
Auto Club Enterprises (AAA)$2,301$1,577$3,878$3,296$58215%
Farmers Mutual Of Nebraska$1,941$4,044$5,985$5,087$89815%
North Star$2,283$2,032$4,315$3,711$60414%
Southern Farm Bureau$1,984$3,285$5,269$4,531$73814%
Plymouth Rock$1,581$2,040$3,621$3,150$47113%
Auto-Owners$1,553$2,160$3,713$3,267$44612%
Mercury Gen$2,314$1,388$3,702$3,258$44412%
Michigan Farm Bureau$2,911$6,265$9,176$8,075$1,10112%
Progressive$1,998$3,193$5,191$4,568$62312%
Travelers$1,587$3,701$5,288$4,706$58211%
Indiana Farmers Mutual$1,604$1,679$3,283$2,955$32810%
Western National Mutual$2,600$1,549$4,149$3,734$41510%
Westfield$1,855$2,581$4,436$3,992$44410%
Nodak Mutual$2,233$2,562$4,795$4,363$4329%
Farm Bureau$1,652$3,017$4,669$4,295$3748%
IMT Mutual Holding$1,634$2,326$3,960$3,643$3178%
Island$1,771$663$2,434$2,239$1958%
Tennessee Farmers$1,355$2,325$3,680$3,386$2948%
New Jersey Manufacturers$1,318$985$2,303$2,165$1386%
North Carolina Farm Bureau$1,217$1,891$3,108$3,015$933%

Data updated in 2024
Read our full methodology

Best home and auto insurance bundle by state

Home and auto bundle rates vary not just by company but also by state. Use the map below to find the best auto and home bundle in your state.

Map
Table
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
StateCompanyBundle premium after discount% Discount
AlabamaState Farm$3,32827%
AlabamaCountry Financial$4,27521%
AlabamaNationwide$4,24319%
AlabamaFarmers Insurance$3,85317%
AlabamaAllstate$2,54316%
AlabamaAuto-Owners$4,48112%
AlaskaState Farm$2,17027%
AlaskaAllstate$3,65119%
AlaskaWestern National Mutual$3,2079%
AlaskaUSAA$2,6727%
ArizonaState Farm$2,47825%
ArizonaFarmers Insurance$4,18022%
ArizonaNationwide$3,70813%
ArizonaAllstate$3,96311%
ArizonaTravelers$6,11410%
ArkansasState Farm$3,11930%
ArkansasFarmers Insurance$5,55121%
ArkansasNationwide$5,41819%
ArkansasAllstate$5,06516%
ArkansasAuto-Owners$5,97811%
ArkansasTravelers$9,12811%
CaliforniaNationwide$3,10623%
CaliforniaState Farm$3,00821%
CaliforniaAuto Club Enterprises (AAA)$3,16418%
CaliforniaTravelers$2,86618%
CaliforniaFarmers Insurance$4,21617%
CaliforniaMercury Insurance$2,93311%
CaliforniaCSAA Insurance (AAA)$3,6609%
CaliforniaAllstate$3,3764%
ColoradoState Farm$3,60526%
ColoradoFarmers Insurance$6,96222%
ColoradoAmerican Family$6,14614%
ColoradoNationwide$6,62412%
ColoradoAllstate$5,13111%
ConnecticutState Farm$2,60825%
ConnecticutAmica Mutual$3,38818%
ConnecticutTravelers$6,7119%
DelawareState Farm$1,95224%
DelawareNationwide$2,16721%
DelawareAllstate$4,35318%
DelawareTravelers$2,9859%
FloridaAllstate$6,76319%
FloridaNationwide$3,99713%
FloridaTravelers$3,40811%
FloridaState Farm$4,20910%
FloridaProgressive$5,9929%
GeorgiaState Farm$3,29627%
GeorgiaAllstate$3,27319%
GeorgiaCountry Financial$4,34219%
GeorgiaAuto-Owners$3,02214%
HawaiiState Farm$1,36618%
HawaiiAllstate$2,28711%
HawaiiIsland Insurance$2,1658%
IdahoState Farm$2,26031%
IdahoFarmers Insurance$2,62520%
IdahoAllstate$3,01419%
IdahoAmerican Family$2,02915%
IdahoNationwide$1,99315%
IdahoFarm Bureau$4,30110%
IllinoisNationwide$3,02427%
IllinoisState Farm$2,67823%
IllinoisCountry Financial$4,00521%
IllinoisFarmers Insurance$4,37520%
IllinoisAmerican Family$3,54519%
IllinoisAllstate$4,26516%
IllinoisAuto-Owners$3,38115%
IllinoisTravelers$7,70010%
IndianaIndiana Farm Bureau Grp$4,01328%
IndianaState Farm$2,59425%
IndianaAmerican Family$2,74718%
IndianaNationwide$3,14518%
IndianaFarmers Insurance$4,25717%
IndianaAuto-Owners$4,26315%
IndianaAllstate$3,41713%
IndianaIndiana Farmers$2,43710%
IndianaTravelers$8,08410%
IowaState Farm$2,56428%
IowaNationwide$3,01520%
IowaAmerican Family$3,19319%
IowaFarmers Insurance$3,52217%
IowaIowa Farm bureau$3,59816%
IowaAllstate$3,34014%
IowaAuto-Owners$3,00311%
IowaIMT Insurance$2,9469%
KansasState Farm$3,86529%
KansasFarmers Insurance$6,82225%
KansasIowa Farm bureau$4,75122%
KansasAmerican Family$4,03019%
KansasNationwide$6,94319%
KansasShelter Insurance$4,51117%
KansasAllstate$6,30713%
KentuckyNationwide$3,46525%
KentuckyState Farm$3,54925%
KentuckyKentucky Farm Bureau$6,94816%
KentuckyCincinnati Insurance$3,62812%
KentuckyAuto-Owners$3,70111%
KentuckyGrange Mutual$4,23610%
LouisianaState Farm$3,98723%
LouisianaAllstate$4,4199%
LouisianaProgressive$4,3649%
LouisianaUSAA$5,1447%
MaineState Farm$1,61326%
MaineFrankenmuth Insurance$2,17520%
MaineMetropolitan$2,05020%
MaineAllstate$2,13019%
MaineMMG Insurance$2,26716%
MaineAuto-Owners$1,38513%
MarylandState Farm$2,93522%
MarylandAllstate$4,06719%
MarylandNationwide$3,26718%
MarylandErie Insurance$3,28517%
MarylandTravelers$6,12116%
MassachusettsVermont Mutual$2,55537%
MassachusettsSafety Insurance$2,47723%
MassachusettsAllstate$3,95518%
MassachusettsAmica Mutual$3,93818%
MassachusettsArbella Insurance$3,23915%
MassachusettsTravelers$6,72113%
MichiganState Farm$5,32321%
MichiganFarmers Insurance$10,23520%
MichiganThe Hanover$13,53118%
MichiganAutomobile Club MI (AAA)$4,18416%
MichiganMichigan Farm Bureau$12,02114%
MichiganFrankenmuth Insurance$5,21313%
MichiganAuto-Owners$3,65110%
MinnesotaState Farm$2,94927%
MinnesotaAutomobile Club MI (AAA)$3,20318%
MinnesotaAmerican Family$3,55116%
MinnesotaFarmers Insurance$4,04216%
MinnesotaNorth Star Mutual$4,61214%
MinnesotaWestern National Mutual$4,00311%
MinnesotaAuto-Owners$3,3658%
MississippiNationwide$5,11235%
MississippiState Farm$3,41128%
MississippiAllstate$3,25515%
MississippiSouthern Farm Bureau$4,56712%
MississippiTravelers$9,39411%
MissouriState Farm$3,39326%
MissouriAmerican Family$4,27019%
MissouriAuto Club Enterprises (AAA)$4,42716%
MissouriAllstate$4,50611%
MissouriNationwide$5,21610%
MontanaState Farm$3,29025%
MontanaFarmers Insurance$5,04520%
MontanaAllstate$4,72516%
MontanaNationwide$3,18814%
MontanaUSAA$3,0038%
NebraskaState Farm$4,49628%
NebraskaFarmers Insurance$7,62925%
NebraskaIowa Farm bureau$5,19917%
NebraskaFarmers Mutual Ins Co of NE$4,73114%
NebraskaAllstate$5,4749%
NebraskaNationwide$7,2619%
NevadaState Farm$2,44223%
NevadaFarmers Insurance$3,65521%
NevadaAmerican Family$3,53415%
NevadaCSAA Insurance (AAA)$5,84715%
NevadaNationwide$2,7339%
New HampshireState Farm$1,61524%
New HampshireAllstate$2,50522%
New HampshireNationwide$1,97219%
New HampshireMMG Insurance$2,44216%
New HampshireAuto-Owners$2,08914%
New JerseyState Farm$2,66322%
New JerseyNew Jersey Manufacturers$2,66010%
New MexicoState Farm$2,62526%
New MexicoFarmers Insurance$3,71620%
New YorkNYCM Insurance$4,12123%
New YorkState Farm$3,45019%
New YorkAllstate$4,62918%
New YorkTravelers$5,38712%
New YorkChubb Ltd$7,0139%
North CarolinaNationwide$2,93134%
North CarolinaState Farm$1,82323%
North CarolinaErie Insurance$4,20619%
North DakotaMetropolitan$4,51525%
North DakotaAmerican Family$3,24421%
North DakotaState Farm$3,50019%
North DakotaAllstate$3,62018%
North DakotaFarmers Insurance$5,10716%
North DakotaNorth Star Mutual$3,28113%
North DakotaAuto-Owners$4,17010%
North DakotaNodak Insurance$3,5869%
OhioState Farm$2,22926%
OhioAllstate$2,96219%
OhioNationwide$2,36118%
OhioAmerican Family$2,29616%
OhioFarmers Insurance$3,10616%
OhioAuto-Owners$2,56813%
OhioGrange Mutual$2,51712%
OhioTravelers$6,06911%
OhioErie Insurance$2,9334%
OklahomaState Farm$4,97931%
OklahomaOklahoma Farm Bureau$5,40822%
OklahomaFarmers Insurance$7,80017%
OklahomaAllstate$4,64114%
OregonState Farm$1,70127%
OregonCountry Financial$3,20721%
OregonFarmers Insurance$2,90920%
OregonNationwide$1,86219%
OregonAmerican Family$2,15816%
OregonAllstate$3,14715%
PennsylvaniaState Farm$2,58924%
PennsylvaniaAllstate$3,77819%
PennsylvaniaNationwide$3,52518%
PennsylvaniaErie Insurance$3,55816%
PennsylvaniaTravelers$6,33111%
Rhode IslandState Farm$1,73923%
Rhode IslandAllstate$3,96022%
Rhode IslandAmica Mutual$4,44517%
Rhode IslandNationwide$3,47615%
Rhode IslandMetropolitan$5,07812%
South CarolinaState Farm$2,76626%
South CarolinaAllstate$3,47314%
South CarolinaAuto-Owners$3,14013%
South CarolinaTravelers$5,58111%
South DakotaState Farm$3,65228%
South DakotaAmerican Family$4,30820%
South DakotaFarmers Insurance$5,09719%
South DakotaFarmers Mutual Ins Co of NE$3,48216%
South DakotaIowa Farm bureau$4,40616%
South DakotaAllstate$4,44815%
South DakotaNationwide$4,80014%
South DakotaNorth Star Mutual$4,46514%
South DakotaAuto-Owners$6,30910%
TennesseeState Farm$2,84328%
TennesseeErie Insurance$3,90818%
TennesseeAllstate$3,69616%
TennesseeFarmers Insurance$4,27115%
TennesseeAuto-Owners$3,22313%
TennesseeTravelers$7,35510%
TennesseeTennessee Farmers$3,5358%
TexasState Farm$4,44624%
TexasNationwide$6,46611%
UtahState Farm$2,10423%
UtahFarmers Insurance$2,87120%
UtahAuto-Owners$2,73414%
UtahNationwide$1,97214%
UtahAmerican Family$2,64310%
VermontState Farm$1,55326%
VermontAllstate$2,48122%
VermontVermont Mutual$1,79720%
VermontUnion Mutual$1,59616%
VermontAuto-Owners$1,55313%
VermontCo-operative Insurance$2,85210%
VirginiaState Farm$1,99524%
VirginiaAllstate$3,66521%
VirginiaNationwide$2,26718%
VirginiaVirginia Farm Bureau$2,16016%
VirginiaErie Insurance$2,77714%
VirginiaProgressive$3,09211%
VirginiaTravelers$5,61911%
WashingtonState Farm$2,31222%
WashingtonPEMCO$1,76221%
WashingtonAllstate$2,56019%
WashingtonNationwide$2,36215%
WashingtonFarmers Insurance$3,5889%
Washington D.C.State Farm$2,50624%
Washington D.C.Allstate$4,94615%
Washington D.C.Nationwide$3,60414%
Washington D.C.USAA$2,1858%
West VirginiaState Farm$2,36125%
West VirginiaAllstate$3,57917%
West VirginiaErie Insurance$2,65417%
West VirginiaNationwide$2,71317%
West VirginiaWestfield Insurance$3,29413%
West VirginiaUSAA$2,0557%
West VirginiaProgressive$3,5325%
WisconsinState Farm$2,08324%
WisconsinFarmers Insurance$2,76319%
WisconsinAllstate$2,95016%
WisconsinAmerican Family$2,40016%
WisconsinNationwide$2,27615%
WisconsinAuto-Owners$2,90311%
WyomingAllstate$5,01817%
WyomingState Farm$2,61915%
WyomingFarmers Insurance$3,8196%

*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.

How to compare home and auto insurance companies

Comparing home and auto insurance quotes with and without bundling discounts and then researching each company will help you find the best insurance company for auto and home insurance.

Bundled discounts vary by company and may not be available in all states. You'll need to request personalized quotes to see which company is best for you and find out how auto and home bundling works with that company.

The way your discount is applied to your insurance policy varies. You typically receive discounts on auto and home insurance when you bundle coverage. The discount isn’t the same for each coverage type. Each carrier has its discount formulas. Companies may offer a larger discount on one than the other.

The pros and cons of bundling home and auto insurance

A lower premium is the biggest benefit of bundling your home and auto insurance. Other pros include:

  • You deal with only one insurance company.
  • You may be able to manage your policies online at the same place or through the same agent.
  • It’s easier to identify coverage gaps.
  • Depending on the company, you may be able to align the renewal periods and effective dates of both policies or combine your billing statements.
  • Some companies offer a single-loss deductible; if the loss includes both your car and home, you only pay one deductible

There are potential cons to bundling as well:

  • It's not always the best deal; purchasing separately may get cheaper rates
  • You might wind up with an insurer that's great for home insurance but weak on car coverage, or vice-versa

Be sure to do your research before you decide on a bundle.

Should I bundle home and auto insurance?

While bundling can save some people a lot of money, it's not the best deal for everyone. You should compare quotes with and without the bundle to determine if it's the best deal.

The best way to determine overall bundle savings is by considering your home and auto insurance premiums and the discounts for each. That provides the total dollar amount you’re paying for both coverages and the total amount saved. Then, you can calculate the percentage of your overall bundling savings. The example below shows that the home and car insurance bundle discount is 23%.

PolicyRateDiscount $Discount %
Auto$1,500$37525%
Home$1,000$19019%
Total premium; pre-discount$2,500
Premium with discount$1,935$56523%

To find the best company for your needs, compare each quote as shown in the table above.

Does bundling insurance save money?

Bundling reduces the cost of both your auto and home insurance. You can save, on average, 15%, or just over $700 annually, when you bundle home and car insurance. The amount you'll save on your home and auto insurance depends on your state, your carrier and other factors.

That said, bundling is not always the best deal overall. Always compare rates for home and auto purchased separately from different companies when shopping. Sometimes, it's cheaper to buy them separately.

Other ways to save on home insurance and auto insurance

There are other ways to lower your insurance coverage costs besides bundling.

  • Other home insurance and car insurance discounts. While bundling is among the highest discounts for home and auto insurance, you can earn many other price breaks. Our guide to the best home insurance discounts provides details on which ones get the most savings, for instance, those for new homes, upgrades and advance purchases. Auto insurance discounts that match your driver profile can also save you a lot on your insurance costs. The best deals are for safe and accident-free drivers, but many don't even consider your driving record and are granted for simply paying in advance or online.
  • Compare home and auto insurance quotes annually. Be sure to compare home and auto insurance quotes from at least three companies for the same insurance coverage at least once a year. The best company for you today might not be down the road if your circumstances change, say you remodel your home, your credit score changes, you add a teen driver to your policy or you have to file a claim. Even if your homeowner and driver profiles remain unchanged, you can save on your insurance rate by comparing insurance quotes because the price for identical insurance policies will differ significantly among carriers.

Methodology

Insurance.com analyzed home and auto insurance rates in 2024 from Quadrant Data Services, as well as the average amount of the auto and home bundling discount for each company. Rates are based on a home insurance policy with $300,000 in dwelling coverage and liability and a $1,000 deductible and a full coverage auto insurance policy with 100/300/100 in liability limits and $500 deductibles. Auto rates were fielded for a 40-year-old male driver with a clean record driving a 2023 Honda Accord LX.