Cheapest home and auto insurance bundle in California

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 Travelers, followed next by Mercury Insurance.

Company	Home premium	Auto premium	Bundle premium	Without bundle premium
Travelers	$933	$2,553	$2,866	$3,486
Mercury Insurance	$1,225	$2,084	$2,933	$3,309
State Farm	$1,213	$2,602	$3,008	$3,815
Nationwide	$1,353	$2,664	$3,106	$4,017
Auto Club Enterprises (AAA)	$1,232	$2,628	$3,164	$3,860
Allstate	$783	$2,723	$3,376	$3,506
CSAA Insurance (AAA)	$1,039	$2,997	$3,660	$4,036
Farmers	$1,677	$3,426	$4,216	$5,103

What is the best company to bundle home and auto insurance in California?

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%
State Farm	21%
Auto Club Enterprises (AAA)	18%
Travelers	18%
Farmers	17%
Mercury Insurance	11%
CSAA Insurance (AAA)	9%
Allstate	4%

How do home and auto bundles affect car insurance rates in California?

The table below shows California auto insurance rates before and after applying a bundling discount. The most affordable rate after the multi-policy discount belongs to Mercury Insurance at $1,790. The greatest discount on auto is offered by Nationwide at 25%.

Company	Auto premium before bundling	Auto premium after bundling	$ difference after bundling	% difference after bundling
Mercury Insurance	$2,084	$1,790	$295	14%
Nationwide	$2,664	$2,004	$660	25%
State Farm	$2,602	$2,056	$546	21%
Travelers	$2,553	$2,163	$390	15%
Auto Club Enterprises (AAA)	$2,628	$2,200	$428	16%
Allstate	$2,723	$2,671	$51	2%
CSAA Insurance (AAA)	$2,997	$2,750	$247	8%
Farmers	$3,426	$2,849	$577	17%

What are the best home and auto insurance companies in California?

When shopping for the right company for your home and auto insurance, it’s important to consider more than just bundling. You want a company that has a solid reputation as well as great rates. Below are the best home and auto insurance companies in California overall based on our analysis of rates, financial stability and customer complaints.

Best home insurance companies in Texas

Best home insurance companies in California
Best car insurance companies in California

Company	AM Best	NAIC	Average annual premium	Insurance.com score
Travelers	A++	0.54	$1,097	5.00
Allstate	A+	0.9	$886	4.68
Auto Club Enterprises (AAA)	A+	1.05	$1,325	3.93
Nationwide	A+	0.87	$1,417	3.92
State Farm	A++	0.95	$1,552	3.74
CSAA Insurance (AAA)	A	1.23	$1,324	3.73
Farmers	A	0.54	$1,715	3.62
Mercury Insurance	A	2.35	$1,388	2.88

Company	AM Best	J.D. Power by state	NAIC	Average annual premium	Insurance.com score
Geico	A++	830	0.91	$1,919	4.02
Progressive	A+	809	0.65	$2,179	3.69
Travelers	A++	810	0.49	$2,460	3.65
State Farm	A++	826	0.7	$2,701	3.47
Mercury Insurance	A	794	0.84	$2,031	3.47
Allstate	A+	816	0.65	$2,627	3.35
CSAA Insurance (AAA)	A	822	0.75	$2,600	3.28
Nationwide	A+	794	0.64	$2,799	3.2
Farmers	A	810	0.8	$3,035	2.91
Auto Club Enterprises (AAA)	A+	832	2.21	$2,466	2.89
Kemper Insurance	A-	736	2.16	$2,429	2.05

PEOPLE ASK

Is it always cheaper to bundle home and car insurance?

No. In some cases you may get cheaper rates overall when you buy home and car insurance from two different companies. Compare rates both ways to find the best deal.

Home and auto bundle insurance in California cities

Where you live in California will impact what you pay for an auto and home insurance bundle. Take a look at average home and auto insurance bundles by city below.

City	Auto & home after discount	Auto & home before discount	$ Difference	% Difference
Anaheim	3,407	4,032	625	15%
Armona	2,880	3,407	528	15%
Cameron Park	3,093	3,669	577	15%
Carlsbad	3,147	3,705	558	15%
Florence-Graham	3,897	4,635	738	15%
Fort Irwin	3,284	3,888	604	15%
Fresno	3,172	3,760	588	15%
Hayward	3,230	3,818	589	15%
Ione	3,197	3,797	600	16%
Irvine	3,420	4,049	629	15%
Long Beach	3,419	4,041	622	15%
Oakland	3,603	4,261	658	15%
San Diego	3,137	3,704	567	15%
San Francisco	3,532	4,165	633	15%
San Jose	3,066	3,628	562	15%
Temecula	3,327	3,934	607	15%
Vallejo	3,229	3,831	602	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

In the spring of 2023, Insurance.com analyzed rate and discount data from Quadrant Data Services. The rates, from 2022, 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 $300,000 in liability and a $1,000 deductible.

FAQs: Home and auto insurance bundling

Below are answers to common questions about bundling home and auto bundles and other multi-policy discounts that can save you money on your insurance.

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.