Home Insurance American Family home and auto bundle insurance in 2024 If you bundle your home and auto insurance together with American Family, you’ll pay an average of $3,340 a year. That’s a 17% average discount. View Carriers Please enter valid zip Compare top carriers in your area Written by Jessica Olson | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. | Expert insight from Jake Jones Jake Jones Owner and agent at North Wyoming Insurance, an insurance agency.Go to comment | Posted on: August 12, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Bundling your home and auto insurance with American Family costs about $3,340 per year. That’s a 17% discount compared to buying policies with different carriers, also known as a multi-policy discount. If you’re considering bundling with American Family, it’s important to look at how much you’ll save as well as the pros and cons of the company overall. Insure.com has compiled all the data to see if it makes sense to bundle your policies with American Family or to buy insurance separately and get the best discounts available. Key Takeaways Bundling your home and auto with American Family gets you, on average, a 17% discount on annual premiums. The average cost of home and auto insurance when bundled with American Family is $3,340 a year. American Family has solid financial and customer service ratings but is not available in all states. American Family home and auto bundle overview Some things to consider other than price are third-party ratings. American Family’s National Association of Insurance Commissioners (NAIC) score, which shows how many complaints have been lodged against the company, is 0.37. Anything below 1 represents a below-average complaint volume. American Family has an AM Best score of A which shows excellent financial strength and ability to pay out claims. The table below shows what you’ll pay, on average, if you bundle your home and auto together with American Family. Average bundled premiumSavingsNAIC scoreAM Best score $3,340 17% 0.37 A Pros and cons of American Family Every company has pros and cons, which you should consider when comparing quotes. Here are some pros and cons for American Family, according to our Best Home Insurance Companies and Best Car Insurance Companies reviews of 2024: ProsConsCustomers like the breadth of policy offeringsHigher-than-average premiumsRanked highly for ease of serviceNot available in all 50 statesConsidered very trustworthy by customers How much does an American Family home and auto bundle cost? The following table shows what American Family costs in each state, before and after bundling. It shows how much you would save if you bundle your home and auto policies together. 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 Colorado$3,506$3,602$7,108$6,146$964Iowa$2,524$1,396$3,920$3,193$727Idaho$1,158$1,225$2,383$2,029$354Illinois$2,881$1,508$4,389$3,545$844Indiana$2,034$1,332$3,366$2,747$618Kansas$3,436$1,539$4,975$4,030$946Minnesota$2,780$1,464$4,244$3,551$694Missouri$3,391$1,882$5,273$4,270$1,003North Dakota$2,885$1,207$4,092$3,244$848Nevada$1,288$2,849$4,137$3,534$603Ohio$1,584$1,140$2,724$2,296$428Oregon$1,020$1,543$2,563$2,158$405South Dakota$4,029$1,353$5,382$4,308$1,074Utah$1,028$1,923$2,951$2,643$307Wisconsin$1,668$1,198$2,866$2,400$466 States where American Family is most expensive for bundling home and auto Severe weather can play a part in higher insurance premiums. So can lack of competition in the insurance market and other factors. Colorado is the most expensive state to bundle home and auto with American Family. The table below shows the top five states where bundling with American Family is most expensive. While you still may get a discount, insurance policies in these states are expensive even with bundling. State Bundle insurance ratesColorado$6,146South Dakota$4,308Missouri$4,270Kansas$4,030Minnesota$3,551 States where American Family is cheapest for bundling home and auto Bundle rates with American Family are the cheapest in Idaho. The table below shows where the rates are cheapest for bundling your home and auto with American Family. State Bundle insurance ratesIdaho$2,029Oregon$2,158Ohio$2,296Wisconsin$2,400Utah$2,643 Home and auto bundle rates from American Family in major cities Your ZIP code matters because insurance companies look at several aspects of your location when calculating rates. Weather is a factor. So are traffic and crime patterns. The claims history of your city also comes into play. The more claims in a certain area, the higher your rates will be. The following table shows the average rates you’ll pay for American Family in major U.S. cities. CityBundle insurance ratesChicago, IL$3,775Columbus, OH$2,148Indianapolis, IN$2,835Denver, CO$6,660Las Vegas, NV$3,968 American Family home and auto bundle insurance rate comparison American Family ranks third for bundle pricing when compared to other major carriers with average premiums of $3,340. State Farm has the cheapest home and auto bundle rates of $2,853 a year. The following table looks at how American Family compares to other carriers for home and auto bundling. CompanyHome insurance premium Auto insurance premium Premium before bundle Premium after bundleAllstate$1,743$2,875$4,619$3,886American Family$2,347$1,677$4,025$3,340Amica$2,131$2,621$4,752$3,924Auto-Owners$2,097$1,789$3,887$3,417Erie Insurance$2,378$1,570$3,948$3,332Farmers$3,364$2,440$5,804$4,693Nationwide$2,809$1,611$4,420$3,643Progressive$2,060$2,586$4,645$4,245State Farm$2,124$1,667$3,791$2,853Travelers$5,161$1,823$6,984$6,210 Bundling with American Family vs. buying from two different companies See how much it costs if you have separate policies with American Family plus another carrier for either your home or auto insurance, and whether or not you’ll save if you bundle in the table below. “Some companies may have lower auto rates and higher home rates so that the bundle discount doesn’t actually save money. That’s where an agent comes in handy. If they know the market they can help save money by shopping it to multiple carriers,” says Jake Jones, owner of North Wyoming Insurance, an insurance agency. In all cases compared here, bundling both home and auto insurance gets you a lower price with American Family. However, as noted above, that doesn’t mean it’s the cheapest company overall for bundling. American Family home insurance with auto insurance from a competitor CompanyHome premiumCompanyAuto premiumTotal costAmerican Family$2,347Allstate$2,875$5,222American Family$2,347Farmers$2,440$4,787American Family$2,347Auto-Owners$1,789$4,136American Family$2,347State Farm$1,667$4,014American Family$2,347Nationwide$1,611$3,958Total cost when bundled with American Family$3,340 American Family auto insurance with home insurance from a competitor CompanyAuto premiumCompanyHome premiumTotal costAmerican Family$1,677Allstate$1,743$3,420American Family$1,677Farmers$3,364$5,041American Family$1,677Auto-Owners$2,097$3,774American Family$1,677State Farm$2,124$3,801American Family$1,677Nationwide$2,809$4,486Total cost when bundled with American Family$3,340 Should you bundle home and auto insurance with American Family? American Family received high customer satisfaction scores in our Best Home Insurance and Best Car Insurance Ratings for 2024. Customers like their policy offerings and ease of service. American Family has a superior AM Best score of A and a low complaint score with the NAIC. American Family’s home and auto bundling isn’t the cheapest of all the carriers we’ve reviewed, coming in at $3,340 a year. Customers have expressed that they wish higher discounts were available. Policies are not available in all states. Be sure 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 American Family? Bundling your home and car insurance together at American Family gives you a 17% discount on your annual premiums. However, it may be cheaper for you to buy your policies from two different companies. Is it worth it to bundle home and auto insurance with American Family? American Family offers a big discount for home and auto bundling, which may make it worthwhile. It’s important to compare rates for your own needs before you decide. What our expert says Q: Is it always cheaper to bundle? 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. That’s where an agent comes in handy. If they know the market they can help save money by shopping it to multiple carriers.” 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. 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