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.

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The average savings from a home and auto bundle is 17%, or about $730, according to an 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.

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.

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’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’s 2021 Best Home Insurance Companies and Best Auto Insurance Companies surveys.


State Farm




Auto customer service (out of 5)






Home customer service (out of 5)






Bundle % savings






Bundle $ savings






Bundle rate






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 %
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%

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.

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."

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