Allstate home and auto bundle insurance in 2024

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Bundling your home and auto insurance with Allstate costs about $3,886 per year. Allstate’s average bundling discount, also called a multi-policy discount, is 16%; that’s the combined discount for both policies.

When considering a bundle, it’s important to look at how buying policies separately compares.

“Some companies may have lower auto rates and higher home rates so that the bundle discount doesn’t actually save money,” says Jake Jones, owner and agent at North Wyoming Insurance, an insurance agency.

Insure.com has compiled all the data so you can see if it makes sense to bundle your policies with Allstate.

Key Takeaways

Bundling home and auto with Allstate earns an average discount of 16% on the combined premiums.
The average cost of home and auto insurance bundled with Allstate is $3,886 a year.
Bundling with Allstate isn’t always the cheapest option compared to buying home and auto insurance from two different companies.

Allstate home and auto bundle overview

Price isn’t the only factor; you want a company you can trust. The National Association of Insurance Commissioners (NAIC) score shows how many complaints have been lodged against the company. Allstate has a score of 0.9; below 1 is a good score. Allstate has an AM Best score of A+ which shows superior financial stability and ability to pay out claims.

The table below shows the average cost of bundled home and auto together with Allstate, along with other important details about the company.

Average bundled premium	Savings	NAIC score	AM Best score
$3,886	16%	0.9	A+

Pros and cons of Allstate

Every company has pros and cons, which you should consider when comparing quotes. Here are some pros and cons for Allstate, according to our Best Home Insurance Companies and Best Car Insurance Companies reviews of 2024:

Pros	Cons
Top ranked for claims service	Higher than average premiums
High scores for digital experience	Customers wish bundling discounts were better
Solid customer service rating

How much does an Allstate home and auto bundle cost?

The following table shows Allstate insurance costs in each state, before and after bundling. It shows how much you would save if you bundle your home and auto policies. The most significant savings are in Florida, Rhode Island and Wyoming.

State	Home insurance premium	Auto insurance premium	Premium before bundle	Premium after bundle	Savings
Alaska	$1,682	$2,817	$4,499	$3,651	$848
Alabama	$1,151	$1,884	$3,035	$2,543	$492
Arkansas	$2,782	$3,237	$6,019	$5,065	$954
Arizona	$1,625	$2,828	$4,453	$3,963	$490
California	$783	$2,723	$3,506	$3,376	$130
Colorado	$2,918	$2,873	$5,791	$5,131	$659
Washington, D.C.	$1,185	$4,643	$5,828	$4,946	$882
Delaware	$1,069	$4,262	$5,331	$4,353	$980
Florida	$2,768	$5,568	$8,336	$6,763	$1,573
Georgia	$1,554	$2,506	$4,060	$3,273	$787
Hawaii	$516	$2,052	$2,568	$2,287	$281
Iowa	$1,869	$2,014	$3,883	$3,340	$543
Idaho	$1,511	$2,224	$3,735	$3,014	$721
Illinois	$1,470	$3,583	$5,053	$4,265	$787
Indiana	$1,134	$2,816	$3,950	$3,417	$531
Kansas	$3,633	$3,617	$7,250	$6,307	$943
Louisiana	$1,357	$3,495	$4,852	$4,419	$433
Massachusetts	$2,256	$2,594	$4,850	$3,955	$896
Maryland	$1,264	$3,735	$4,999	$4,067	$932
Maine	$1,254	$1,365	$2,619	$2,130	$489
Missouri	$2,740	$2,341	$5,081	$4,506	$575
Mississippi	$1,246	$2,574	$3,820	$3,255	$565
Montana	$2,404	$3,213	$5,617	$4,725	$892
North Dakota	$2,049	$2,354	$4,403	$3,620	$783
Nebraska	$3,493	$2,505	$5,998	$5,474	$525
New Hampshire	$1,049	$2,151	$3,200	$2,505	$694
New York	$1,904	$3,707	$5,611	$4,629	$982
Ohio	$1,313	$2,356	$3,669	$2,962	$707
Oklahoma	$2,937	$2,459	$5,396	$4,641	$754
Oregon	$1,256	$2,433	$3,689	$3,147	$542
Pennsylvania	$989	$3,701	$4,690	$3,778	$914
Rhode Island	$1,527	$3,549	$5,076	$3,960	$1,116
South Carolina	$1,356	$2,669	$4,025	$3,473	$551
South Dakota	$2,965	$2,278	$5,243	$4,448	$795
Tennessee	$1,660	$2,763	$4,423	$3,696	$727
Virginia	$1,709	$2,922	$4,631	$3,665	$967
Vermont	$790	$2,377	$3,167	$2,481	$687
Washington	$891	$2,262	$3,153	$2,560	$593
Wisconsin	$1,084	$2,427	$3,511	$2,950	$560
West Virginia	$1,420	$2,896	$4,316	$3,579	$737
Wyoming	$2,904	$3,121	$6,025	$5,018	$1,007

States where Allstate is most expensive for bundling home and auto

The table below shows the top five states where bundling with Allstate is most expensive. While you still may get a discount, insurance policies in these states are expensive even with bundling.

One factor that plays into higher insurance rates is severe weather, which the following states do experience.

State	Bundle insurance rates
Florida	$6,763
Kansas	$6,307
Nebraska	$5,474
Colorado	$5,131
Arkansas	$5,065

States where Allstate is cheapest for bundling home and auto

The cheapest state for an auto and home bundle with Allstate is Maine. The table below shows where the rates are cheapest for bundling your home and auto with Allstate.

State	Bundle insurance rates
Maine	$2,130
Hawaii	$2,287
Vermont	$2,481
New Hampshire	$2,505
Alabama	$2,543

Home and auto bundle rates from Allstate in major cities

Your ZIP code matters because insurance companies consider several aspects of your location when calculating rates. Weather, traffic and crime patterns are factors. Your city’s claims history also comes into play. The more claims in a certain area, the higher your rates will be.

The following table shows what average rates you’ll pay with Allstate in certain cities.

City	Bundle insurance rates
New York, NY	$5,182
Chicago, IL	$4,760
Phoenix, AZ	$4,299
Philadelphia, PA	$4,877
San Diego, CA	$3,180
Jacksonville, FL	$5,891

Allstate home and auto bundle insurance rate comparison

Allstate ranks fifth for pricing, with average premiums of $3,886. State Farm has the cheapest home and auto bundling rates of $2,853 a year.

The following table compares Allstate’s pricing for home and auto bundling with that of other major carriers.

Company	Home insurance premium	Auto insurance premium	Premium before bundle	Premium after bundle
Allstate	$1,743	$2,875	$4,619	$3,886
American Family	$2,347	$1,677	$4,025	$3,340
Amica	$2,131	$2,621	$4,752	$3,924
Auto-Owners	$2,097	$1,789	$3,887	$3,417
Erie Insurance	$2,378	$1,570	$3,948	$3,332
Farmers	$3,364	$2,440	$5,804	$4,693
Nationwide	$2,809	$1,611	$4,420	$3,643
Progressive	$2,060	$2,586	$4,645	$4,245
State Farm	$2,124	$1,667	$3,791	$2,853
Travelers	$5,161	$1,823	$6,984	$6,210

Bundling with Allstate vs. buying from two different companies

You don’t always save money by bundling with Allstate – the first table shows that buying a home insurance policy with Allstate and an auto policy with another carrier actually costs less in most cases. The only outlier was combining Allstate home and Progressive auto – in this case, it was cheaper to bundle both together at Allstate.

As shown in the second table, the opposite was true with stand-alone policies of auto insurance through Allstate and home insurance through another carrier. In all cases, you save a significant amount of money by bundling with Allstate.

Allstate home insurance with auto insurance from a competitor

Company	Home premium	Company	Auto premium	Total cost
Allstate	$1,743	American Family	$1,677	$3,420
Allstate	$1,743	Erie	$1,570	$3,313
Allstate	$1,743	Progressive	$2,586	$4,329
Allstate	$1,743	State Farm	$1,667	$3,410
Allstate	$1,743	Travelers	$1,823	$3,566
Total cost when bundled with Allstate				$3,886

Allstate auto insurance with home insurance from a competitor

Company	Auto premium	Company	Home premium	Total cost
Allstate	$2,875	American Family	$2,347	$5,222
Allstate	$2,875	Erie	$2,378	$5,253
Allstate	$2,875	Progressive	$2,060	$4,935
Allstate	$2,875	State Farm	$2,124	$4,999
Allstate	$2,875	Travelers	$5,161	$8,036
Total cost when bundled with Allstate				$3,886

Should you bundle home and auto insurance with Allstate?

Allstate is a nationwide carrier available in all 50 states. It has a superior AM Best score of A+ and a relatively low complaint score with the NAIC. Allstate received overall high customer satisfaction scores in our Best Home Insurance and Best Car Insurance Ratings for 2024.

Allstate’s home and auto bundling rates aren’t the cheapest of all the carriers we’ve reviewed, coming in at $3,886 a year. Customers have expressed that they wish higher discounts were available.

It’s always a good idea to shop around and compare quotes to get the best deal for you and your family.

Frequently asked questions

Is it cheaper to have home and car insurance together with Allstate?

Yes, bundling your home and car insurance together at Allstate gives you a 16% discount on your annual premiums.

Is it worth it to bundle home and auto insurance with Allstate?

In almost every state, bundling your home and auto with Allstate will get you a discount. However, you should consider all factors—not just price—when making your decision.

What our expert says

Jake JonesOwner and agent at North Wyoming Insurance, an insurance agency.

“Some companies may have lower auto rates and higher home rates so that the bundle discount doesn’t actually save money.”

Methodology

Insure.com commissioned home and auto insurance rates for major carriers from Quadrant Data Services in late 2023. Home insurance rates are based on $300,000 in dwelling and liability coverage and a $1,000 deductible. Auto insurance rates are based on a full coverage policy with 100/300/100 liability limits and $500 deductibles, using the sample profile of a 40-year-old male driving a 2023 Honda Accord LX with a clean driving record and good credit. Quadrant also provided average bundling discounts.