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Bundling your auto and home insurance policies with the same insurance company saves 15% on average. Bundling discounts are also called multi-policy or multi-line discounts. They're among the biggest auto and home discounts available but vary by company. To find the best insurance rates for home and auto bundles, we performed a home and auto bundle comparison of the discounts offered by dozens of insurance companies.

State Farm has the best home and auto bundle for 2023. With an average bundle discount of 25%, State Farm has the biggest auto and home bundling discount among national companies and is a top-rated company.

Other major companies among the best for home and auto bundling are Nationwide at 22% and Farmers at 18%. The cheapest home and auto insurance isn't always found with a bundle, but these companies offer big discounts when you bundle auto and home insurance and are well worth comparing.

Read on for our complete list of the best insurance companies for home and auto bundling, and find out how much you could save by bundling your auto insurance and home insurance.

Key takeaways

  • State Farm offers the best home and auto insurance bundle with a 25% discount on average.
  • Nationwide has the second-biggest bundle discount at 22%, followed by Farmers at 18%.
  • It's important to shop around and compare bundling rates form multiple companies as they vary by location.

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 2023.

State Farm

With a big bundling discount of 25% on average, State Farm is the top nationwide pick for bundling insurance. State Farm has an A++ rating with AM Best and is ranked as the number one home and auto insurance company for 2023 in our survey.

Nationwide

With a 22% bundling discount on average, Nationwide is a good pick for those looking to save and keep all of their insurance in one place. The company offers a wide range of policy options, from pet insurance to off-road vehicles.

Farmers

Farmers offers an average 18% auto and home bundling discount and can also help you bundle specialty policies through its family of companies, including Foremost Insurance.

Allstate

Allstate matches Farmers with an 18% discount on a home and auto bundle. It's one of the largest home insurance companies in the nation and offers policies in all states, as the name implies.

Erie Insurance

Although it's not available nationwide, Erie Insurance is a highly rated company offering an average 17% auto and home bundle discount.

Best insurance companies for home and auto

Indiana Farm Bureau has the best policy bundling discount, at 28%, for all companies surveyed. Vermont Mutual offers the second biggest discount, with potential savings of up to 26%. Neither is available in all states.

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.

Best companies for auto and home insurance bundles
Company Auto rate Home rate Total Total bundled discount rate Total $ savings Bundle discount %
Indiana Farm Bureau$1,735$3,099$4,834$3,497$1,33728%
Vermont Mutual$1,627$868$2,495$1,845$65026%
State Farm$1,397$2,156$3,553$2,650$90325%
Grange Mutual$2,511$2,012$4,523$3,393$1,13025%
Oklahoma Farm Bureau$2,451$3,844$6,295$4,879$1,41622%
Nationwide$1,626$2,410$4,036$3,160$87622%
Safety$1,186$1,841$3,027$2,370$65722%
The Hanover$4,114$2,847$6,961$5,483$1,47821%
Pemco Mutual$1,271$840$2,111$1,668$44321%
Tower$2,348$1,168$3,516$2,802$71420%
NYCM$2,993$1,000$3,993$3,197$79620%
CSAA$2,724$3,391$6,115$4,905$1,21020%
Farmers$2,323$3,052$5,375$4,390$98518%
Allstate$2,884$1,870$4,754$3,906$84818%
Automobile Club MI$2,704$1,677$4,381$3,602$77918%
COUNTRY Financial$1,481$2,630$4,111$3,389$72218%
Pekin$1,065$1,987$3,052$2,516$53618%
Erie$1,388$2,014$3,402$2,810$59217%
Palisades$1,613$1,757$3,370$2,795$57517%
Iowa Farm Bureau$1,858$2,873$4,731$3,927$80417%
Alfa$2,471$4,227$6,698$5,587$1,11117%
Pennsylvania National$1,405$867$2,272$1,900$37216%
Cincinnati Financial$1,550$1,673$3,223$2,696$52716%
American Family$1,710$2,761$4,471$3,744$72716%
Kentucky Farm Bureau$2,166$4,833$6,999$5,862$1,13716%
MMG$1,039$1,657$2,696$2,267$42916%
Frankenmuth$1,746$1,429$3,175$2,672$50316%
Arbella$1,722$1,478$3,200$2,695$50516%
Shelter$2,634$3,103$5,737$4,844$89316%
Pioneer State Mutual$2,291$1,462$3,753$3,171$58216%
Amica $4,349$2,444$6,793$5,749$1,04415%
Auto Club Enterprises (AAA)$2,803$1,620$4,423$3,751$67215%
Quincy Mutual$1,517$1,298$2,815$2,391$42415%
Union Mutual Fire$1,086$998$2,084$1,771$31315%
Farmers Mutual Of Nebraska$1,351$2,672$4,023$3,424$59915%
Concord$846$928$1,774$1,510$26415%
North Star$2,224$1,851$4,075$3,511$56414%
Southern Farm Bureau$1,748$2,577$4,325$3,739$58614%
Plymouth Rock$1,292$827$2,119$1,841$27813%
Michigan Farm Bureau$2,493$1,762$4,255$3,732$52312%
Auto-Owners$1,862$2,199$4,061$3,569$49212%
Progressive$1,745$1,670$3,415$3,011$40412%
American Farmers & Ranchers$1,926$3,536$5,462$4,821$64112%
Mercury Gen$2,222$1,136$3,358$2,968$39012%
Rural Mutual$1,418$1,151$2,569$2,281$28811%
Travelers$1,589$2,671$4,260$3,804$45611%
Western National Mutual$1,795$1,495$3,290$2,953$33710%
Indiana Farmers Mutual$1,267$1,192$2,459$2,214$24510%
Westfield$1,536$1,716$3,252$2,934$31810%
Nodak Mutual$2,419$2,448$4,867$4,418$4499%
Co Operative$1,075$1,321$2,396$2,187$2099%
Tennessee Farmers$1,371$2,320$3,691$3,378$3138%
Farm Bureau$1,980$714$2,694$2,467$2278%
IMT Mutual Holding$1,740$1,546$3,286$3,016$2708%
Island$1,670$594$2,264$2,087$1778%
New Jersey Manufacturers$1,728$727$2,455$2,314$1416%
Texas Farm Bureau Mutual$1,377$2,146$3,523$3,353$1705%
AmTrust$1,649$1,506$3,155$3,007$1485%
North Carolina Farm Bureau$1,128$1,640$2,768$2,681$873%

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?

You will need to 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 given 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 $600 annually, when you bundle home and car insurance. That's based on a 2022 Insurance.com rate analysis of more than 50 car and home insurance companies' rates for those who bundle home and auto. 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 commissioned home and auto insurance rates in 2022 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 2021 Honda Accord LX. Content has been updated for 2023.

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