- Cheapest home and auto bundles in California
- The companies offering the cheapest home and auto bundles in California
- Biggest home and auto bundle discounts in California
- How do home and auto bundles affect car insurance rates in California?
- How does bundling home and car insurance work?
- The pros and cons of home and auto insurance bundles
- Should you bundle home and auto insurance in California?
- Methodology
- FAQ: Home and auto insurance bundling
- Compare California home and auto bundle insurance rates with other states
Cheapest home and auto bundles in California
The total cost of a home and auto bundle depends on the base prices for the underlying home and auto insurance coverages. The discount is applied to each policy. The table below shows the average rates for home and auto insurance, as well as the total premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. with and without the bundle discount.
In California, the least expensive car and home bundles are offered by Auto Club Enterprises (AAA), followed next by Travelers.
| Company | Home premium | Auto premium | Bundle premium | Without bundle premium |
|---|---|---|---|---|
| Auto Club Enterprises (AAA) | $1,018 | $2,587 | $3,605 | $4,393 |
| Travelers | $802 | $2,861 | $3,663 | $4,687 |
| Allstate | $994 | $3,120 | $4,114 | $4,296 |
| State Farm | $1,324 | $3,046 | $4,370 | $5,544 |
| Nationwide | $1,397 | $2,985 | $4,382 | $5,705 |
| CSAA Insurance (AAA) | $1,241 | $3,685 | $4,926 | $5,438 |
| Farmers | $1,682 | $3,942 | $5,624 | $6,631 |
The companies offering the cheapest home and auto bundles in California
Auto Club Enterprises (AAA)
Our take: Auto Club Group, a AAA carrierAn insurance carrier is the company that provides your car insurance policy and pays claims., earned a score of 4.30 out of 5 in our annual Best Car Insurance Companies ranking. It placed fourth among regional carriers in our survey, standing out for its low NAIC complaint ratio and consistently strong scores across key customer satisfaction metrics.
Travelers
Our take: Travelers car insurance customers give it high marks for home and auto bundling. They also rank the company well for overall satisfaction. Its home insurance customers give it high scores for its ease of service and policy offerings and most said they’d recommend the company to others.
Biggest home and auto bundle discounts in California
With an average of 23%, the largest discount for bundling home and auto insurance can be found at Nationwide. In contrast, at only 4%, the smallest multi-policy discount of the companies reviewed belongs to Allstate.
| Company | Home and auto bundle discount |
|---|---|
| Nationwide | 23% |
| Travelers | 22% |
| State Farm | 21% |
| Auto Club Enterprises (AAA) | 18% |
| Farmers | 15% |
| CSAA Insurance (AAA) | 9% |
| Allstate | 4% |
How do home and auto bundles affect car insurance rates in California?
The table below shows California insurance rates before and after applying a bundling discount. The most affordable rate after the multi-policy discount belongs to Auto Club Enterprises (AAA) at $3,605. The greatest discount on auto is offered by Nationwide at 23%.
| Company | Premium before bundling | Premium after bundling | $ difference after bundling | % difference after bundling |
|---|---|---|---|---|
| Auto Club Enterprises (AAA) | $4,393 | $3,605 | $788 | 18% |
| Travelers | $4,687 | $3,663 | $1,024 | 22% |
| Allstate | $4,296 | $4,114 | $182 | 4% |
| State Farm | $5,544 | $4,370 | $1,174 | 21% |
| Nationwide | $5,705 | $4,382 | $1,323 | 23% |
| CSAA Insurance (AAA) | $5,438 | $4,926 | $512 | 9% |
| Farmers | $6,631 | $5,624 | $1,007 | 15% |
How does bundling home and car insurance work?
The concept of bundling is pretty straightforward. You buy more than one type of insurance from the same company and, in exchange for the increased business, the insurance company gives you a discount. And there’s an additional benefit for the insurer for offering bundles: Customers who bundle are more likely to renew their policies.
You typically get discounts on both car insurance and home insurance when you bundle coverage. The discount isn’t the same for both policies. Each provider has its own discount formulas. Companies may offer a more substantial discount on one than the other.
The pros and cons of home and auto insurance bundles
The biggest benefit of bundling your home and auto insurance is a decreased premium.
But keep in mind that you won't always save money bundling. You could find an insurer with a low price on one of the two policies, which could result in better savings than a bundle. Here’s how that works:
- If you currently pay $1,000 for car insurance from one insurer and $1,200 for home insurance from another, that's a total of $2,200.
- But let's say you decide to buy your home insurance from your auto insurer. The cost for the new home insurance policy is $1,500, or $300 more than your current cost.
- Your total rate under the bundle would be $2,500, a $300 increase.
- That means you'd need a bundle discount of at least $400 or so to lower the total bundle rate enough to save money compared to the price you currently pay for separate policies.
That's why you should compare home and auto insurance bundle quotes to what you're paying for separate policies. Rates on bundles aren't always lower.
Should you bundle home and auto insurance in California?
Prior to signing up for an auto and home bundle, it’s important to shop around. Bundling your car and homeowners insurance has many advantages; you only have to deal with a single company and with a single bill, and you typically get a discount on both policies. However, bundling isn’t always the best deal.
Some companies have cheap car insurance rates but less competitive home insurance rates, and vice versa. You might pay less overall by choosing two different companies for your insurance.
Shop around and evaluate California car insurance rates on an individual basis and with a bundling discount to make sure you’re getting the best deal before you buy.
Methodology
Insurance.com analyzed rate and discount data from Quadrant Data Services. The rates, from 2026, are the most recent available to Insurance.com and are based on a 40-year-old male driver with a 12-mile daily commute, good credit and a clean driving history. Rates were fielded for a full-coverage policy (100/300/100 with a $500 collision and comprehensive deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim.). Homeowners insurance rates are based on $300,000 in dwelling coverage with $100,000 in liability and a $1,000 deductible.
FAQ: Home and auto insurance bundling
What information do you need to bundle your policies?
To bundle your policies, you will need all of the details for both the cars and the home you want to insure. That includes VINs, driver information and details about the home. Your current home and auto policies will list this information for easy reference.
Is there a limit on how many policies can be bundled?
Typically, you can purchase as many insurance policies as you want from the same company. However, that doesn’t mean you can take advantage of a bundling discount with every policy you buy. There may be a limit on the number of policies you can bundle with one company. For instance, you might only qualify for a bundling discount on the three most expensive policies. You should speak with an agent from your insurance company to learn more about the possible restrictions.
What type of insurance policies can I bundle?
Multi-policy discounts can also apply to other types of insurance policies that you buy from the same insurance company. Depending upon the insurer, you may also be able to bundle these types of insurance policies:
- Condo
- Renters
- Motorcycle
- RV
- Life
Some auto insurance companies don't write homeowners insurance, but some may align themselves with a home insurer to offer a discount. Ask your agent or customer service representative to see if you can bundle multiple insurance policies.
