One of the most common ways to score cheaper insurance quotes is to "bundle" your insurance policies. When you purchase more than one type of insurance from a single carrier, a bundling discount may be applied that reduces your insurance premiums. While the most commonly bundled products are auto and homeowner policies, you can often bundle other types of insurance too.

The average savings from a home and auto bundle is 17%, or about $730, according to an Insure.com 2021 home and auto insurance bundle quotes analysis. Nationwide had the highest discount (29%) for bundled home and auto insurance, among those surveyed, or a savings of about $1,310.

Best Home Insurance Offers For You image
Valid zip code required
Get Quotes

Advantages of bundling home and auto insurance

In addition to reducing your insurance rates, bundled home and auto insurance also has other benefits.

In addition to reducing your premium, many insurers offer savings on deductibles. For example, MetLife Auto & Home's GrandProtect program lets consumers pay only the highest deductible on their bundled policies if multiple assets are damaged. For instance, if a tornado damages your house, car and boat, you will pay one deductible (the highest one). The others are waived.

Convenience is another advantage to bundling. It reduces the amount of paperwork and simplifies policy management. You don't have to deal with multiple insurance companies and there is only one renewal date to remember. If you have a claim, you need to call only one company.

Depending on the company, you may be able to align the renewal periods and effective dates of both policies or combine your billing statements.

Key Takeaways

  • According to an Insure.com 2021 home and auto insurance bundle quotes analysis, the average savings from a home and auto bundle is 17%, or about $730.
  • Among those surveyed by Insure.com, Nationwide offers the highest discount of 29% for bundling home and auto insurance.
  • Bunding simplifies your policy management and reduces the amount of paperwork for you.
  • To save on your insurance bundle your home and auto policies with tone company.

Best home and auto insurance bundle companies

When you shop home and auto insurance, you want outstanding customer service at a great price. The following companies have higher than average bundle savings, according to Insure.com’s 2021 home and auto insurance bundle comparison. They also had high customer satisfaction scores, along with few complaints filed with state regulators, based on Insure.com’s 2021 Best Home Insurance Companies and Best Auto Insurance Companies surveys.

Nationwide

State Farm

Allstate

Farmers

Travelers

Auto customer service (out of 5)

3.5

4

4

3.5

4

Home customer service (out of 5)

4

4

4

4

4

Bundle % savings

29%

27%

23%

27%

18%

Bundle $ savings

$1,309

$1,006

$1,448

$2,921

$610

Bundle rate

$2,296

$2,725

$4,873

$7,771

$2,712

Cheapest home and auto insurance bundle

Nationwide was the company with the cheapest home and auto insurance bundle quotes, among those surveyed. With a savings of 29%, Nationwide saved homeowners an average of $1,310. That’s about $600 more than the nationwide average bundle savings annually.

In addition to big bundle savings, here are other benefits of Nationwide coverage:

  • Easy to get quotes and file claims online.
  • Includes a benefit in standard coverage that pays to rebuild your home at current building code requirements.
  • When filing a roof claim, the Better Roof Replacement add-on will replace your roof with a higher quality one than you had before.
  • If you need to rebuild your home, Nationwide’s “replacement cost plus” coverage pays up to an additional 20% more than your policy limit if it costs more to rebuild your house.

In the table below you’ll see how insurance companies compare  on home and auto bundle savings and rates.

Company Auto rate Home rate Total rate Total rate after bundle Total $savings Bundle discount %
Nationwide$1,386$2,219$3,605$2,296$1,30929%
United Farm Family Mutual$1,735$3,099$4,834$3,496$1,33828%
Farmers$2,031$8,661$10,692$7,771$2,92127%
State Farm$1,602$2,129$3,731$2,725$1,00627%
Grange$3,396$2,227$5,623$4,108$1,51527%
Vermont Mutual$1,627$904$2,531$1,876$65526%
Memberselect (AAA)$2,898$1,706$4,604$3,458$1,14625%
Allstate$4,961$1,360$6,321$4,873$1,44823%
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%
Safety$1,186$1,929$3,115$2,435$68022%
MetLife$2,572$1,836$4,408$3,459$94922%
Pemco$1,271$840$2,111$1,668$44321%
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%
Patriot$1,211$1,373$2,584$2,070$51420%
Alfa$2,571$5,283$7,584$6,391$1,46319%
Allied$1,737$3,225$4,962$4,032$93019%
Amco$1,288$2,417$3,705$3,018$68719%
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%
Erie$1,416$1,591$3,007$2,480$52718%
Auto Club of Southern California$2,263$1,314$3,577$2,925$65218%
Travelers$2,292$1,030$3,322$2,712$61018%
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%
Arbella$1,722$1,478$3,200$2,695$50516%
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%
Shelter$2,634$3,103$5,737$4,844$89316%
Amica$4,349$2,444$6,793$5,749$1,04415%
Concord$846$928$1,774$1,510$26415%
Country$1,676$2,630$4,306$3,561$74515%
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%
Westfield$1,895$2,339$4,234$3,733$50112%
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%
Standard$1,587$1,492$3,079$2,760$31910%
American Select$1,357$1,346$2,703$2,450$2539%
Co-operative$1,075$1,321$2,396$2,187$2099%
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%
Tradewind$1,670$594$2,264$2,087$1778%
Foremost$4,235$3,177$7,412$6,931$4816%
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%

Home and auto insurance bundle comparison

Comparison shop home and auto insurance bundled quotes if you're looking for the best deal.

When comparing prices from different companies, make sure the coverage and deductibles are equal.

Bundling insurance doesn’t always save you money. Sometimes buying separate policies from two different insurance companies costs less than the total you pay for two bundled policies with a discount.

For example:

  • If you currently pay $1,000 for auto insurance from one company and $1,200 for home insurance from another, that totals $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 over what you pay now.
  • That means you'd need a bundle discount of at least $400 to $500 to lower the total bundle rate enough to save money compared to the price you currently pay for separate policies.
  • So, if your discount on the bundled policy total of $2,500 is, say, $700, you’re paying $1,800. That’s $400 less than the two separate policy total of $2,200 – a good deal.

That’s why you should compare insurance quotes for discounted bundled policies to what you’re paying for separate policies.

Steps to bundle home and auto insurance

If you’re happy with your current insurance providers, a good place to begin is by asking if either of your insurers have bundle discounts. Most major carriers do. Compare the total amount you’d pay for bundling home with auto after the discount to the amount for bundling auto with home after the discount. Then go with the option that costs the least.

Here is how to bundle your coverage if you’re considering new companies:

  1. Add up how much you pay for your separate policies now.
  2. Review your coverage limits on your policies.
  3. Get a quote for bundled and unbundled rates from the second company. Be sure it is for identical coverage amounts.
  4. Compare the total discounted bundle quote to the total you pay for two separate policies.
  5. If you are happy with the savings amount and decide to bundle, buy the new policy and note the effective date.
  6. Notify your insurer that you will be canceling the policy on the day after your new policy takes effect to avoid a lapse in coverage.

How do auto and home insurance bundles work?

Home and auto multi-policy discounts aren’t applied in a standard way across companies. They each have their own methods for how they calculate the savings. Here is how it typically works:

  • In most cases, you receive discounts on both auto insurance and home insurance when you bundle coverage.
  • The discount is usually different amounts for each coverage type. 
  • Some companies might give one type of coverage a super high discount and give the other a very small one.

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 %
Auto$1,500$37525%
Home$1,000$19019%
Total premium; pre-discount$2,500
Premium with discount$1,935$56523%

How to save money bundling home and auto insurance

You can save on your insurance by bundling your home and auto policies with one company. It is not uncommon for companies to offer a multi-policy discount when you bundle home and auto insurance, which could result in tens or even hundreds of dollars monthly savings.

Bundling your car and home insurance policies can actually save you money in the long run. Not only it will help lower monthly payments, but also reduce stress of shopping around for coverage while saving time when filing claims with different providers. Bundled packages may even include special perks like a single deductible on any claim involving both your auto and home insurance policies.

Frequently asked questions

Should I bundle home and auto insurance?

Whether or not you should bundle depends on:

  • How much you save
  • How much you value the convenience of streamlined policies
  • If you have to sacrifice coverage or customer satisfaction to get the bundle rate

Is bundling home and auto insurance worth it?

We explained the advantages of bundling – streamlined coverage, potential savings – but bundling isn’t always the best way to go. Amy Bach, executive director of the United Policyholders consumer group, says you can sometimes get lower rates on auto insurance from companies that specialize in that product.

"It's more profitable for insurers to sell auto than it is to sell home insurance, so there's more competition for your auto business, and shopping around will generally get you a better deal than bundling," she says.

Bach also cautions that some companies are better at insuring cars than homes, so examine the protection level on the home insurance policy before bundling.

And note this: "It is not always in your best interest to shop on price alone," says Bach. "Quality matters when it comes to insurance, just like everything else."

Does bundling car and home insurance save money?

Yes, home and auto insurance bundle can save you money. One great way to get lower rates on both auto and home insurance without compromising coverage is through bundling - that means getting all your polices from one provider instead of buying them separately.

With bundled plans, many providers will give you an upfront discount when they bundle two or more types of coverages (car/homeowners) together. But just like any other type of purchase decision, make sure to compare home and auto insurance bundle quotes.

When should I bundle my insurance policies?

There are a few instances when it is more beneficial to bundle your home and auto insurance policies.

  • When you have less than 60 days left on an existing policy.
  • If you're purchasing new coverage for both home and auto insurance policies.
  • If you have recently switched your insurance provider and want to take advantage of any introductory rates or discounts that may be offered with home and auto insurance bundle.

How much will I save by bundling?

The average savings from a home and auto bundle is 17%, or about $730, according to insure.com’s 2021 home and auto insurance bundle quotes analysis. Nationwide had the highest discount (29%) for bundled home and auto insurance, among those surveyed, or a savings of about $1,310.

Is it always cheaper to bundle home and auto insurance?

It is often cheaper to bundle your insurance policies together, but not always. High rates in certain states and traffic violations can make it more expensive for some people.

When not to bundle home and auto insurance?

Bundling home and auto insurance is a great idea, but some people may find that bundling these policies is not the best option for them. For instance, bundling home and car insurance might make you less inclined to shop around for cheaper rates with another company.

Bundling may seem like a good idea at first, but you might be missing out on the best coverage for your needs. But if there is also an alternative option available somewhere else then bundling will not give you your money's worth and could lead to paying more than necessary in the long run.

What type of insurance policies can I bundle?

Insurance providers have been providing bundle discounts for a long time now and it's a smart way to keep costs down while maintaining maximum coverage. The most common bundled packages offered include home, renters, auto and life insurance policy. While auto and home insurance bundle is the most common of them all.

How to properly cancel your insurance and bundle with another company?

When you decide to cancel your insurance, give your old company at least 30 days' notice in writing to cancel a policy and switch insurers. This gives you plenty of time set up a new home and auto insurance policy with the new insurer and so that there is no lapse in coverage or confusion about when it ends.

What are the best home and auto insurance bundles?

What are the best insurance companies to bundle home and auto? Based on Insure.com’s 2021 best home insurance companies and best auto insurance companies surveys, United Farm Family Mutual offers bundle at the rate of $3,496. And Nationwide offers 29% discount if you bundle home and auto insurance.

Why bundle home and auto insurance?

Bundling your home and auto insurance reduces your premium, and many insurers also offer savings on deductibles.  It saves you time and money and by combining all of your policies into a single one, there is only one renewal date to worry about and less paperwork to deal with.