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
- Best insurance companies for home and auto
- Best home and auto insurance bundle by state
- How to compare home and auto insurance companies
- The pros and cons of bundling home and auto insurance
- Should I bundle home and auto insurance?
- Other ways to save on home insurance and auto insurance
- Methodology
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.
| 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 | $1,337 | 28% |
| Vermont Mutual | $1,627 | $868 | $2,495 | $1,845 | $650 | 26% |
| State Farm | $1,397 | $2,156 | $3,553 | $2,650 | $903 | 25% |
| Grange Mutual | $2,511 | $2,012 | $4,523 | $3,393 | $1,130 | 25% |
| Oklahoma Farm Bureau | $2,451 | $3,844 | $6,295 | $4,879 | $1,416 | 22% |
| Nationwide | $1,626 | $2,410 | $4,036 | $3,160 | $876 | 22% |
| Safety | $1,186 | $1,841 | $3,027 | $2,370 | $657 | 22% |
| The Hanover | $4,114 | $2,847 | $6,961 | $5,483 | $1,478 | 21% |
| Pemco Mutual | $1,271 | $840 | $2,111 | $1,668 | $443 | 21% |
| Tower | $2,348 | $1,168 | $3,516 | $2,802 | $714 | 20% |
| NYCM | $2,993 | $1,000 | $3,993 | $3,197 | $796 | 20% |
| CSAA | $2,724 | $3,391 | $6,115 | $4,905 | $1,210 | 20% |
| Farmers | $2,323 | $3,052 | $5,375 | $4,390 | $985 | 18% |
| Allstate | $2,884 | $1,870 | $4,754 | $3,906 | $848 | 18% |
| Automobile Club MI | $2,704 | $1,677 | $4,381 | $3,602 | $779 | 18% |
| COUNTRY Financial | $1,481 | $2,630 | $4,111 | $3,389 | $722 | 18% |
| Pekin | $1,065 | $1,987 | $3,052 | $2,516 | $536 | 18% |
| Erie | $1,388 | $2,014 | $3,402 | $2,810 | $592 | 17% |
| Palisades | $1,613 | $1,757 | $3,370 | $2,795 | $575 | 17% |
| Iowa Farm Bureau | $1,858 | $2,873 | $4,731 | $3,927 | $804 | 17% |
| Alfa | $2,471 | $4,227 | $6,698 | $5,587 | $1,111 | 17% |
| Pennsylvania National | $1,405 | $867 | $2,272 | $1,900 | $372 | 16% |
| Cincinnati Financial | $1,550 | $1,673 | $3,223 | $2,696 | $527 | 16% |
| American Family | $1,710 | $2,761 | $4,471 | $3,744 | $727 | 16% |
| Kentucky Farm Bureau | $2,166 | $4,833 | $6,999 | $5,862 | $1,137 | 16% |
| MMG | $1,039 | $1,657 | $2,696 | $2,267 | $429 | 16% |
| Frankenmuth | $1,746 | $1,429 | $3,175 | $2,672 | $503 | 16% |
| Arbella | $1,722 | $1,478 | $3,200 | $2,695 | $505 | 16% |
| Shelter | $2,634 | $3,103 | $5,737 | $4,844 | $893 | 16% |
| Pioneer State Mutual | $2,291 | $1,462 | $3,753 | $3,171 | $582 | 16% |
| Amica | $4,349 | $2,444 | $6,793 | $5,749 | $1,044 | 15% |
| Auto Club Enterprises (AAA) | $2,803 | $1,620 | $4,423 | $3,751 | $672 | 15% |
| Quincy Mutual | $1,517 | $1,298 | $2,815 | $2,391 | $424 | 15% |
| Union Mutual Fire | $1,086 | $998 | $2,084 | $1,771 | $313 | 15% |
| Farmers Mutual Of Nebraska | $1,351 | $2,672 | $4,023 | $3,424 | $599 | 15% |
| Concord | $846 | $928 | $1,774 | $1,510 | $264 | 15% |
| North Star | $2,224 | $1,851 | $4,075 | $3,511 | $564 | 14% |
| Southern Farm Bureau | $1,748 | $2,577 | $4,325 | $3,739 | $586 | 14% |
| Plymouth Rock | $1,292 | $827 | $2,119 | $1,841 | $278 | 13% |
| Michigan Farm Bureau | $2,493 | $1,762 | $4,255 | $3,732 | $523 | 12% |
| Auto-Owners | $1,862 | $2,199 | $4,061 | $3,569 | $492 | 12% |
| Progressive | $1,745 | $1,670 | $3,415 | $3,011 | $404 | 12% |
| American Farmers & Ranchers | $1,926 | $3,536 | $5,462 | $4,821 | $641 | 12% |
| Mercury Gen | $2,222 | $1,136 | $3,358 | $2,968 | $390 | 12% |
| Rural Mutual | $1,418 | $1,151 | $2,569 | $2,281 | $288 | 11% |
| Travelers | $1,589 | $2,671 | $4,260 | $3,804 | $456 | 11% |
| Western National Mutual | $1,795 | $1,495 | $3,290 | $2,953 | $337 | 10% |
| Indiana Farmers Mutual | $1,267 | $1,192 | $2,459 | $2,214 | $245 | 10% |
| Westfield | $1,536 | $1,716 | $3,252 | $2,934 | $318 | 10% |
| Nodak Mutual | $2,419 | $2,448 | $4,867 | $4,418 | $449 | 9% |
| Co Operative | $1,075 | $1,321 | $2,396 | $2,187 | $209 | 9% |
| Tennessee Farmers | $1,371 | $2,320 | $3,691 | $3,378 | $313 | 8% |
| Farm Bureau | $1,980 | $714 | $2,694 | $2,467 | $227 | 8% |
| IMT Mutual Holding | $1,740 | $1,546 | $3,286 | $3,016 | $270 | 8% |
| Island | $1,670 | $594 | $2,264 | $2,087 | $177 | 8% |
| New Jersey Manufacturers | $1,728 | $727 | $2,455 | $2,314 | $141 | 6% |
| Texas Farm Bureau Mutual | $1,377 | $2,146 | $3,523 | $3,353 | $170 | 5% |
| AmTrust | $1,649 | $1,506 | $3,155 | $3,007 | $148 | 5% |
| North Carolina Farm Bureau | $1,128 | $1,640 | $2,768 | $2,681 | $87 | 3% |
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.
| State | Company | Bundle premium after discount | % Discount |
|---|---|---|---|
| Alabama | State Farm | $3,328 | 27% |
| Alabama | Country Financial | $4,275 | 21% |
| Alabama | Nationwide | $4,243 | 19% |
| Alabama | Farmers Insurance | $3,853 | 17% |
| Alabama | Allstate | $2,543 | 16% |
| Alabama | Auto-Owners | $4,481 | 12% |
| Alaska | State Farm | $2,170 | 27% |
| Alaska | Allstate | $3,651 | 19% |
| Alaska | Western National Mutual | $3,207 | 9% |
| Alaska | USAA | $2,672 | 7% |
| Arizona | State Farm | $2,478 | 25% |
| Arizona | Farmers Insurance | $4,180 | 22% |
| Arizona | Nationwide | $3,708 | 13% |
| Arizona | Allstate | $3,963 | 11% |
| Arizona | Travelers | $6,114 | 10% |
| Arkansas | State Farm | $3,119 | 30% |
| Arkansas | Farmers Insurance | $5,551 | 21% |
| Arkansas | Nationwide | $5,418 | 19% |
| Arkansas | Allstate | $5,065 | 16% |
| Arkansas | Auto-Owners | $5,978 | 11% |
| Arkansas | Travelers | $9,128 | 11% |
| California | Nationwide | $3,106 | 23% |
| California | State Farm | $3,008 | 21% |
| California | Auto Club Enterprises (AAA) | $3,164 | 18% |
| California | Travelers | $2,866 | 18% |
| California | Farmers Insurance | $4,216 | 17% |
| California | Mercury Insurance | $2,933 | 11% |
| California | CSAA Insurance (AAA) | $3,660 | 9% |
| California | Allstate | $3,376 | 4% |
| Colorado | State Farm | $3,605 | 26% |
| Colorado | Farmers Insurance | $6,962 | 22% |
| Colorado | American Family | $6,146 | 14% |
| Colorado | Nationwide | $6,624 | 12% |
| Colorado | Allstate | $5,131 | 11% |
| Connecticut | State Farm | $2,608 | 25% |
| Connecticut | Amica Mutual | $3,388 | 18% |
| Connecticut | Travelers | $6,711 | 9% |
| Delaware | State Farm | $1,952 | 24% |
| Delaware | Nationwide | $2,167 | 21% |
| Delaware | Allstate | $4,353 | 18% |
| Delaware | Travelers | $2,985 | 9% |
| Florida | Allstate | $6,763 | 19% |
| Florida | Nationwide | $3,997 | 13% |
| Florida | Travelers | $3,408 | 11% |
| Florida | State Farm | $4,209 | 10% |
| Florida | Progressive | $5,992 | 9% |
| Georgia | State Farm | $3,296 | 27% |
| Georgia | Allstate | $3,273 | 19% |
| Georgia | Country Financial | $4,342 | 19% |
| Georgia | Auto-Owners | $3,022 | 14% |
| Hawaii | State Farm | $1,366 | 18% |
| Hawaii | Allstate | $2,287 | 11% |
| Hawaii | Island Insurance | $2,165 | 8% |
| Idaho | State Farm | $2,260 | 31% |
| Idaho | Farmers Insurance | $2,625 | 20% |
| Idaho | Allstate | $3,014 | 19% |
| Idaho | American Family | $2,029 | 15% |
| Idaho | Nationwide | $1,993 | 15% |
| Idaho | Farm Bureau | $4,301 | 10% |
| Illinois | Nationwide | $3,024 | 27% |
| Illinois | State Farm | $2,678 | 23% |
| Illinois | Country Financial | $4,005 | 21% |
| Illinois | Farmers Insurance | $4,375 | 20% |
| Illinois | American Family | $3,545 | 19% |
| Illinois | Allstate | $4,265 | 16% |
| Illinois | Auto-Owners | $3,381 | 15% |
| Illinois | Travelers | $7,700 | 10% |
| Indiana | Indiana Farm Bureau Grp | $4,013 | 28% |
| Indiana | State Farm | $2,594 | 25% |
| Indiana | American Family | $2,747 | 18% |
| Indiana | Nationwide | $3,145 | 18% |
| Indiana | Farmers Insurance | $4,257 | 17% |
| Indiana | Auto-Owners | $4,263 | 15% |
| Indiana | Allstate | $3,417 | 13% |
| Indiana | Indiana Farmers | $2,437 | 10% |
| Indiana | Travelers | $8,084 | 10% |
| Iowa | State Farm | $2,564 | 28% |
| Iowa | Nationwide | $3,015 | 20% |
| Iowa | American Family | $3,193 | 19% |
| Iowa | Farmers Insurance | $3,522 | 17% |
| Iowa | Iowa Farm bureau | $3,598 | 16% |
| Iowa | Allstate | $3,340 | 14% |
| Iowa | Auto-Owners | $3,003 | 11% |
| Iowa | IMT Insurance | $2,946 | 9% |
| Kansas | State Farm | $3,865 | 29% |
| Kansas | Farmers Insurance | $6,822 | 25% |
| Kansas | Iowa Farm bureau | $4,751 | 22% |
| Kansas | American Family | $4,030 | 19% |
| Kansas | Nationwide | $6,943 | 19% |
| Kansas | Shelter Insurance | $4,511 | 17% |
| Kansas | Allstate | $6,307 | 13% |
| Kentucky | Nationwide | $3,465 | 25% |
| Kentucky | State Farm | $3,549 | 25% |
| Kentucky | Kentucky Farm Bureau | $6,948 | 16% |
| Kentucky | Cincinnati Insurance | $3,628 | 12% |
| Kentucky | Auto-Owners | $3,701 | 11% |
| Kentucky | Grange Mutual | $4,236 | 10% |
| Louisiana | State Farm | $3,987 | 23% |
| Louisiana | Allstate | $4,419 | 9% |
| Louisiana | Progressive | $4,364 | 9% |
| Louisiana | USAA | $5,144 | 7% |
| Maine | State Farm | $1,613 | 26% |
| Maine | Frankenmuth Insurance | $2,175 | 20% |
| Maine | Metropolitan | $2,050 | 20% |
| Maine | Allstate | $2,130 | 19% |
| Maine | MMG Insurance | $2,267 | 16% |
| Maine | Auto-Owners | $1,385 | 13% |
| Maryland | State Farm | $2,935 | 22% |
| Maryland | Allstate | $4,067 | 19% |
| Maryland | Nationwide | $3,267 | 18% |
| Maryland | Erie Insurance | $3,285 | 17% |
| Maryland | Travelers | $6,121 | 16% |
| Massachusetts | Vermont Mutual | $2,555 | 37% |
| Massachusetts | Safety Insurance | $2,477 | 23% |
| Massachusetts | Allstate | $3,955 | 18% |
| Massachusetts | Amica Mutual | $3,938 | 18% |
| Massachusetts | Arbella Insurance | $3,239 | 15% |
| Massachusetts | Travelers | $6,721 | 13% |
| Michigan | State Farm | $5,323 | 21% |
| Michigan | Farmers Insurance | $10,235 | 20% |
| Michigan | The Hanover | $13,531 | 18% |
| Michigan | Automobile Club MI (AAA) | $4,184 | 16% |
| Michigan | Michigan Farm Bureau | $12,021 | 14% |
| Michigan | Frankenmuth Insurance | $5,213 | 13% |
| Michigan | Auto-Owners | $3,651 | 10% |
| Minnesota | State Farm | $2,949 | 27% |
| Minnesota | Automobile Club MI (AAA) | $3,203 | 18% |
| Minnesota | American Family | $3,551 | 16% |
| Minnesota | Farmers Insurance | $4,042 | 16% |
| Minnesota | North Star Mutual | $4,612 | 14% |
| Minnesota | Western National Mutual | $4,003 | 11% |
| Minnesota | Auto-Owners | $3,365 | 8% |
| Mississippi | Nationwide | $5,112 | 35% |
| Mississippi | State Farm | $3,411 | 28% |
| Mississippi | Allstate | $3,255 | 15% |
| Mississippi | Southern Farm Bureau | $4,567 | 12% |
| Mississippi | Travelers | $9,394 | 11% |
| Missouri | State Farm | $3,393 | 26% |
| Missouri | American Family | $4,270 | 19% |
| Missouri | Auto Club Enterprises (AAA) | $4,427 | 16% |
| Missouri | Allstate | $4,506 | 11% |
| Missouri | Nationwide | $5,216 | 10% |
| Montana | State Farm | $3,290 | 25% |
| Montana | Farmers Insurance | $5,045 | 20% |
| Montana | Allstate | $4,725 | 16% |
| Montana | Nationwide | $3,188 | 14% |
| Montana | USAA | $3,003 | 8% |
| Nebraska | State Farm | $4,496 | 28% |
| Nebraska | Farmers Insurance | $7,629 | 25% |
| Nebraska | Iowa Farm bureau | $5,199 | 17% |
| Nebraska | Farmers Mutual Ins Co of NE | $4,731 | 14% |
| Nebraska | Allstate | $5,474 | 9% |
| Nebraska | Nationwide | $7,261 | 9% |
| Nevada | State Farm | $2,442 | 23% |
| Nevada | Farmers Insurance | $3,655 | 21% |
| Nevada | American Family | $3,534 | 15% |
| Nevada | CSAA Insurance (AAA) | $5,847 | 15% |
| Nevada | Nationwide | $2,733 | 9% |
| New Hampshire | State Farm | $1,615 | 24% |
| New Hampshire | Allstate | $2,505 | 22% |
| New Hampshire | Nationwide | $1,972 | 19% |
| New Hampshire | MMG Insurance | $2,442 | 16% |
| New Hampshire | Auto-Owners | $2,089 | 14% |
| New Jersey | State Farm | $2,663 | 22% |
| New Jersey | New Jersey Manufacturers | $2,660 | 10% |
| New Mexico | State Farm | $2,625 | 26% |
| New Mexico | Farmers Insurance | $3,716 | 20% |
| New York | NYCM Insurance | $4,121 | 23% |
| New York | State Farm | $3,450 | 19% |
| New York | Allstate | $4,629 | 18% |
| New York | Travelers | $5,387 | 12% |
| New York | Chubb Ltd | $7,013 | 9% |
| North Carolina | Nationwide | $2,931 | 34% |
| North Carolina | State Farm | $1,823 | 23% |
| North Carolina | Erie Insurance | $4,206 | 19% |
| North Dakota | Metropolitan | $4,515 | 25% |
| North Dakota | American Family | $3,244 | 21% |
| North Dakota | State Farm | $3,500 | 19% |
| North Dakota | Allstate | $3,620 | 18% |
| North Dakota | Farmers Insurance | $5,107 | 16% |
| North Dakota | North Star Mutual | $3,281 | 13% |
| North Dakota | Auto-Owners | $4,170 | 10% |
| North Dakota | Nodak Insurance | $3,586 | 9% |
| Ohio | State Farm | $2,229 | 26% |
| Ohio | Allstate | $2,962 | 19% |
| Ohio | Nationwide | $2,361 | 18% |
| Ohio | American Family | $2,296 | 16% |
| Ohio | Farmers Insurance | $3,106 | 16% |
| Ohio | Auto-Owners | $2,568 | 13% |
| Ohio | Grange Mutual | $2,517 | 12% |
| Ohio | Travelers | $6,069 | 11% |
| Ohio | Erie Insurance | $2,933 | 4% |
| Oklahoma | State Farm | $4,979 | 31% |
| Oklahoma | Oklahoma Farm Bureau | $5,408 | 22% |
| Oklahoma | Farmers Insurance | $7,800 | 17% |
| Oklahoma | Allstate | $4,641 | 14% |
| Oregon | State Farm | $1,701 | 27% |
| Oregon | Country Financial | $3,207 | 21% |
| Oregon | Farmers Insurance | $2,909 | 20% |
| Oregon | Nationwide | $1,862 | 19% |
| Oregon | American Family | $2,158 | 16% |
| Oregon | Allstate | $3,147 | 15% |
| Pennsylvania | State Farm | $2,589 | 24% |
| Pennsylvania | Allstate | $3,778 | 19% |
| Pennsylvania | Nationwide | $3,525 | 18% |
| Pennsylvania | Erie Insurance | $3,558 | 16% |
| Pennsylvania | Travelers | $6,331 | 11% |
| Rhode Island | State Farm | $1,739 | 23% |
| Rhode Island | Allstate | $3,960 | 22% |
| Rhode Island | Amica Mutual | $4,445 | 17% |
| Rhode Island | Nationwide | $3,476 | 15% |
| Rhode Island | Metropolitan | $5,078 | 12% |
| South Carolina | State Farm | $2,766 | 26% |
| South Carolina | Allstate | $3,473 | 14% |
| South Carolina | Auto-Owners | $3,140 | 13% |
| South Carolina | Travelers | $5,581 | 11% |
| South Dakota | State Farm | $3,652 | 28% |
| South Dakota | American Family | $4,308 | 20% |
| South Dakota | Farmers Insurance | $5,097 | 19% |
| South Dakota | Farmers Mutual Ins Co of NE | $3,482 | 16% |
| South Dakota | Iowa Farm bureau | $4,406 | 16% |
| South Dakota | Allstate | $4,448 | 15% |
| South Dakota | Nationwide | $4,800 | 14% |
| South Dakota | North Star Mutual | $4,465 | 14% |
| South Dakota | Auto-Owners | $6,309 | 10% |
| Tennessee | State Farm | $2,843 | 28% |
| Tennessee | Erie Insurance | $3,908 | 18% |
| Tennessee | Allstate | $3,696 | 16% |
| Tennessee | Farmers Insurance | $4,271 | 15% |
| Tennessee | Auto-Owners | $3,223 | 13% |
| Tennessee | Travelers | $7,355 | 10% |
| Tennessee | Tennessee Farmers | $3,535 | 8% |
| Texas | State Farm | $4,446 | 24% |
| Texas | Nationwide | $6,466 | 11% |
| Utah | State Farm | $2,104 | 23% |
| Utah | Farmers Insurance | $2,871 | 20% |
| Utah | Auto-Owners | $2,734 | 14% |
| Utah | Nationwide | $1,972 | 14% |
| Utah | American Family | $2,643 | 10% |
| Vermont | State Farm | $1,553 | 26% |
| Vermont | Allstate | $2,481 | 22% |
| Vermont | Vermont Mutual | $1,797 | 20% |
| Vermont | Union Mutual | $1,596 | 16% |
| Vermont | Auto-Owners | $1,553 | 13% |
| Vermont | Co-operative Insurance | $2,852 | 10% |
| Virginia | State Farm | $1,995 | 24% |
| Virginia | Allstate | $3,665 | 21% |
| Virginia | Nationwide | $2,267 | 18% |
| Virginia | Virginia Farm Bureau | $2,160 | 16% |
| Virginia | Erie Insurance | $2,777 | 14% |
| Virginia | Progressive | $3,092 | 11% |
| Virginia | Travelers | $5,619 | 11% |
| Washington | State Farm | $2,312 | 22% |
| Washington | PEMCO | $1,762 | 21% |
| Washington | Allstate | $2,560 | 19% |
| Washington | Nationwide | $2,362 | 15% |
| Washington | Farmers Insurance | $3,588 | 9% |
| Washington D.C. | State Farm | $2,506 | 24% |
| Washington D.C. | Allstate | $4,946 | 15% |
| Washington D.C. | Nationwide | $3,604 | 14% |
| Washington D.C. | USAA | $2,185 | 8% |
| West Virginia | State Farm | $2,361 | 25% |
| West Virginia | Allstate | $3,579 | 17% |
| West Virginia | Erie Insurance | $2,654 | 17% |
| West Virginia | Nationwide | $2,713 | 17% |
| West Virginia | Westfield Insurance | $3,294 | 13% |
| West Virginia | USAA | $2,055 | 7% |
| West Virginia | Progressive | $3,532 | 5% |
| Wisconsin | State Farm | $2,083 | 24% |
| Wisconsin | Farmers Insurance | $2,763 | 19% |
| Wisconsin | Allstate | $2,950 | 16% |
| Wisconsin | American Family | $2,400 | 16% |
| Wisconsin | Nationwide | $2,276 | 15% |
| Wisconsin | Auto-Owners | $2,903 | 11% |
| Wyoming | Allstate | $5,018 | 17% |
| Wyoming | State Farm | $2,619 | 15% |
| Wyoming | Farmers Insurance | $3,819 | 6% |
*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%.
| Policy | Rate | Discount $ | Discount % |
|---|---|---|---|
| Auto | $1,500 | $375 | 25% |
| Home | $1,000 | $190 | 19% |
| Total premium pre-discount | $2,500 | - | - |
| Premium with discount | $1,935 | $565 | 23% |
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.
