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Homeowners and renters often can save money on both policies by buying from the same insurance company.

Bundling your auto and home insurance policies under the same company is a convenient way to save hundreds on your insurance. Thankfully, most insurance companies offer bundle discounts, which are among the highest auto and home discounts you can get. Here we'll teach you how to find the home auto bundle company that will save you the most.

Who has the best home and auto insurance bundle?

Nationwide had the highest discount (29%) for bundling home and auto, based on an Insurance.com analysis of dozens of major auto and home insurance companies offering multi policy savings. United Farm Family had 28%. Farmers, Grange and  State Farm followed with 27% car and home policy savings. Vermont Mutual had 26%.  Memberselect (AAA) had a 25% price break. followed by Allstate, with 23%.

Company Auto rate Home rate Total rate Total rate after bundle Total $savings Bundle discount %
United Farm Family Mutual$1,735$3,099$4,834$3,496$1,33828%
State Farm$1,602$2,129$3,731$2,725$1,00627%
Vermont Mutual$1,627$904$2,531$1,876$65526%
Memberselect (AAA)$2,898$1,706$4,604$3,458$1,14625%
Mid-Century Insurance$2,212$1,807$4,019$3,091$92823%
Oklahoma Farm Bureau Mutual$2,451$3,844$6,295$4,878$1,41723%
Citizens Insurance$2,537$3,545$6,082$3,859$2,22320%
New York Central Mutual (NYCM)$2,993$1,000$3,993$3,198$79520%
American Family$1,585$2,975$4,560$3,704$85619%
Automobile Insurance Club of Hartford$755$1,322$2,077$1,708$36918%
CSAA Insurance Group$2,929$1,857$4,786$3,941$84518%
Auto Club of Southern California$2,263$1,314$3,577$2,925$65218%
Farm Bureau$1,858$2,873$4,731$3,927$80417%
Quincy Mutual$1,517$1,047$2,564$2,129$43517%
Kentucky Farm Bureau Insurance$2,166$4,833$6,999$5,861$1,13816%
Auto Club Group$2,536$1,445$3,981$3,332$64916%
Cincinatti Insurance$1,550$1,673$3,223$2,696$52716%
Pennsylvania National Mutual$1,405$867$2,272$1,901$37116%
Union Mutual$1,086$998$2,084$1,770$31415%
South Carolina Farm Bureau$1,854$2,604$4,458$3,811$64715%
North Star Mutual$2,224$1,851$4,075$3,512$56314%
Mississippi Farm Bureau$1,863$2,577$4,440$3,840$60014%
Frankenmuth Insurance$2,282$1,485$3,767$3,274$49313%
American Farmers and Ranchers$1,926$3,526$5,452$4,812$64012%
Rural Mutual$1,418$1,151$2,569$2,281$28811%
Western National$2,077$1,618$3,695$3,273$42211%
Meemic Insurance$2,146$1,138$3,284$2,941$34310%
American Select$1,357$1,346$2,703$2,450$2539%
Nodak Mutual$2,419$2,448$4,867$4,416$4519%
Umialik Insurance$1,513$1,373$2,886$2,633$2539%
West Bend Mutual$1,227$917$2,144$1,958$1869%
Farm Bureau of Idaho$1,980$714$2,694$2,467$2278%
Tennessee Farmers Mutual$1,371$2,320$3,691$3,378$3138%
New Jersey Manufacturers Ins (NJM)$1,728$727$2,455$2,314$1416%
National General$1,649$1,506$3,155$3,007$1485%
Texas Farm Bureau Mutual$1,220$2,146$3,366$3,210$1565%
North Carolina Farm Bureau$1,128$1,640$2,768$2,681$873%

How much can bundling save you?

You can save, on average, 17% or about $730 annually, when you bundle home and auto insurance. That's based on a 2021 Insurance.com rate analysis of over 50 car insurance and 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. In some cases you can save as much as 23%, and in some cases it may be much lower than the average.

How does bundling home and car insurance work?

Most insurance companies offer bundling discounts, which just means getting two policies from the same company. It's also called a multi-policy discount. Why such a big break for 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 homeowners file fewer claims on their auto insurance policies.

Bundled discounts vary by company and are not 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. One insurer may earmark nearly the entire discount for one coverage type, such as 20% off on car insurance. 

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%

Is bundling home and auto insurance worth it?

Bundling insurance isn't always the best choice, as it doesn't always help you save money. You may get lower rates by buying separate policies from multiple companies. Bundling may not save you money if the total price of the bundled policies is more expensive than the separate policies at two companies. For example:

  • 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 insurance quotes for discounted bundled policies to what your paying for separate policies. Rates on bundles aren't always lower.

Should you combine home and auto insurance?

In many cases, bundling home and care insurance will help you save you money. Bundling insurance has other benefits besides cheaper 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 home and auto insurance, depending on the company and state you live in. For example, Safeco offers some customers who bundle a single-loss deductible. That means, if your car is damaged in the same even that damages your home, such as a fire, your car insurance deductible is waived after your homeowners deductible has been paid.

Home auto bundle FAQ

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 30 days notice of your cancelation. 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 cancelled policy and the new one.

A lapse in your car insurance coverage can hike your rates. If you have no coverage in between car insurance polices for seven to 30 days, your car insurance rate by an average of 9%, or about $130, a year. A 60-day lapse means you'll pay 13% more, or $190 a year, when you buy a car insurance policy again.

What information do you need to bundle your policies?

To get an insurance quote and buy an auto insurance policy, either online, over the phone or in person, you will need:

  • Vehicle identification number(s) for vehicle(s)
  • Lienholder information (if applicable)
  • Driver’s license number(s) for driver(s)
  • Credit/debit card for down payment

To obtain a homeowners quote, it will be helpful if you have your current

homeowners policy handy so the agent can try to match coverage.  You’ll

also need to answer questions specific to your home, such as:

  • Value of your home
  • Year home was built
  • Square footage

To purchase a homeowners policy, the agent will need information on:

  • Your mortgage company
  • Your loan number
  • Escrow account (if applicable)

Can you bundle more than home and auto?

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 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 you 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?

"There can be a maximum limit to the discount percentage you get overall, but you can bundle all the policies you want with an insurer, the more the better is what the insurer will think," says Insurance.com Senior Consumer Analyst Penny Gusner. "So, for example, you can bundle home, auto and motorcycle. The motorcycle policy bundle is typically a smaller discount, but again can vary by insurer. You can add on life insurance as well and the insurer would be super happy to give you another small discount. "