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Bundling your auto and home insurance policies with the same insurance company can save you 15% on average. Bundling discounts, also called multi-policy or multi-line discounts, are among the biggest auto and home discounts available, but they vary by company. To find the best home and auto bundles, we compared auto and home insurance bundle discounts from dozens of companies.

State Farm has the biggest auto and home bundling discount among national companies, with an average savings of 25%. Other major companies that ranked well are Nationwide at 22% and Farmers at 18%. 

Read on for our complete list of the best insurance companies for home and auto bundling. We'll also show you how much you could save by bundling your auto insurance and home insurance.

The best 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 ranked as the number one home and auto insurance company for 2023 in our survey.


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

The biggest companies don't always have the biggest discounts, however.

Indiana Farm Bureau has the biggest policy bundling discount (28%) of all companies. Vermont Mutual offers the second biggest discount, with potential savings of up to 26%.

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

Best companies for auto and home insurance bundles
CompanyAuto rateHome rateTotalTotal bundled discount rateTotal $ savingsBundle 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%
The Hanover$4,114$2,847$6,961$5,483$1,47821%
Pemco Mutual$1,271$840$2,111$1,668$44321%
Automobile Club MI$2,704$1,677$4,381$3,602$77918%
Iowa Farm Bureau$1,858$2,873$4,731$3,927$80417%
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%
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%
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%
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%
Western National Mutual$1,795$1,495$3,290$2,953$33710%
Indiana Farmers Mutual$1,267$1,192$2,459$2,214$24510%
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%
New Jersey Manufacturers$1,728$727$2,455$2,314$1416%
Texas Farm Bureau Mutual$1,377$2,146$3,523$3,353$1705%
North Carolina Farm Bureau$1,128$1,640$2,768$2,681$873%

How does bundling home and car insurance work?

It's simple: you buy more than one type of insurance from the same company, and they give you a discount in return. Why offer a break for buying multiple policies? It’s not just that insurance companies can make a profit off two policies. Customers who bundle are also seen as more likely to renew, and it’s said that homeowners file fewer claims on their auto insurance policies.

Bundled discounts vary by company and may not be available in all states. No matter where you live, bundling your homeowners policy will get you larger savings than a condo, renters insurance or life policy.

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

The best way to determine overall bundle savings is by taking into account the premium of both your home and auto insurance 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. In the example below, you’ll see the overall home and car insurance bundle discount is 23%.

PolicyRateDiscount $Discount %
Total premium pre-discount$2,500--
Premium with discount$1,935$56523%

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

Is bundling home and auto insurance worth it? The benefits of bundling insurance policies

The biggest benefit of bundling your home and auto insurance is a lower premium.

However, keep in mind that you don’t always save money by bundling your home and auto insurance policies. You might find another carrier with a cheaper price on one of the two policies, which could equal greater savings than a bundling discount. Here’s an example of how this works:

  • If you currently pay $1,000 for auto insurance from one company and $1,200 for home insurance from another, that's a total of $2,200.
  • 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.

Home and auto insurance bundlingThat'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 I bundle home and auto insurance?

In many cases, bundling home and car insurance will help you save money. Bundling insurance has other benefits besides potentially offering the cheapest home and auto insurance:

  • 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.

There may be other perks as well when you bundle auto and home insurance, depending on the company and state you live in. For example, Safeco offers customers who bundle a single-loss deductible. That means, if your car is damaged in the same event that damages your home, such as a fire, your car insurance deductible is waived after your homeowners deductible has been paid.

Other ways to save on home insurance and auto insurance

There are other ways to lower costs on your insurance coverage, in addition to bundling.

  • Other home insurance and car insurance discounts: While bundling is among the highest discounts for home and auto insurance, there are lots of other price breaks you can earn. Our guide to the best home insurance discounts provides details on which ones net the most savings, for instance those for new homes, upgrades and advance purchase. 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 there are many that don't even consider your driving record and are granted for simply paying in advance or online.
  • Compare home insurance quotes and auto insurance quotes annually: Be sure to compare home insurance quotes and do a car insurance quotes comparison 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.

Frequently asked questions: Home and auto insurance bundling

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

How do I cancel my insurance and bundle with another company?

You should have your new policy ready to go first, as you want to avoid a lapse in coverage. Once you have the new policy start date, give your car or homeowners insurance company at least a 30-day notice of your cancellation. You can set the start date of your new policy for the day your old policy ends. By doing so, you'll ensure that your former company will stop billing you by the time your new policy is in effect. You'll also prevent any coverage gaps between the canceled policy and the new one.

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.

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.

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.

Which insurance companies bundle home and auto insurance?

Almost every insurance company offers a bundling discount, often called a multi-policy discount. Multi-policy discounts aren't just for auto and home. They often include other home insurance policies like renters and condo, as well as motorcycle insurance and in some cases life, RV, boat, and others. 


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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