Auto-Owners home and auto bundle insurance in 2024 -Insure.com

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Bundled home and auto insurance with Auto-Owners costs an average of $3,417 per year nationwide. That’s a 12% discount compared to the cost of the policies without the discount. Multi-policy discounts save you money with one company but aren’t always the best deal.

Insure.com has compiled all the data so you can see if it makes sense to bundle your home and auto insurance policies with Auto-Owners.

Key Takeaways

Bundling your home and auto with Auto-Owners gets you, on average, a 12% discount on annual combined premiums.
The average cost of a home and auto bundle with Auto-Owners is $3,417 a year.
Auto-Owners has solid financial and customer service ratings but is not available in all states.

Auto-Owners home and auto bundle overview

Auto-Owners’ NAIC score, which shows how many complaints have been lodged against the company, is very low at 0.33. Anything below 1 is considered a low complaint volume. Auto-Owners has an AM Best score of A++ which shows excellent financial strength and ability to pay out claims and is the highest ranking.

The table below shows what you’ll pay, on average, if you bundle your home and auto together with Auto-Owners, along with some things to consider other than price.

Average bundled premium	%savings	NAIC score	AM Best score
$3,417	12%	0.33	A++

Pros and cons of Auto-Owners

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

Pros	Cons
Rated well for ease of service	No online quoting is available
Below average premiums	Only available in about half the states
Highest AM Best score of A++

How much does an Auto-Owners home and auto bundle cost?

The most significant savings are in Arkansas, Indiana and South Dakota, where you can save over $700 a year by bundling.

“Bundling with the major insurers does offer a discount for both the home and auto insurance. However, many companies that offer auto as their primary offer a bundle through a different insurer that may not have competitive rates for homeowners. Their auto insurance rates may be very good, but the homeowner’s insurance rates are well out of line with other well-known companies,” says David Lervig, founder and instructor at the Insurance School of Texas.

The following table shows what Auto-Owners costs in each state, before and after bundling. It shows how much you would save if you bundle your home and auto policies together.

State	Home insurance premium	Auto insurance premium	Premium before bundle	Premium after bundle	Savings
Alabama	$2,934	$2,166	$5,100	$4,481	$619
Arkansas	$4,508	$2,235	$6,743	$5,978	$766
Georgia	$1,685	$1,850	$3,535	$3,022	$512
Iowa	$1,645	$1,733	$3,378	$3,003	$375
Illinois	$2,321	$1,663	$3,984	$3,381	$603
Indiana	$3,378	$1,641	$5,019	$4,263	$754
Kentucky	$2,162	$2,003	$4,165	$3,701	$464
Maine	$853	$737	$1,590	$1,385	$206
Michigan	$541	$3,533	$4,074	$3,651	$421
Minnesota	$1,574	$2,078	$3,652	$3,365	$287
North Dakota	$2,953	$1,698	$4,651	$4,170	$481
New Hampshire	$1,060	$1,383	$2,443	$2,089	$354
Ohio	$1,652	$1,297	$2,949	$2,568	$381
South Carolina	$1,976	$1,627	$3,603	$3,140	$462
South Dakota	$4,404	$2,628	$7,032	$6,309	$723
Tennessee	$2,134	$1,557	$3,691	$3,223	$469
Utah	$1,516	$1,655	$3,171	$2,734	$437
Vermont	$742	$1,047	$1,789	$1,553	$236
Wisconsin	$1,814	$1,465	$3,279	$2,903	$377

States where Auto-Owners is most expensive for bundling home and auto

The table below shows the top five states where bundling with Auto-Owners is most expensive; South Dakota is the most expensive state. While you may still get a discount, insurance policies in these states are expensive even with bundling.

Some things that cause higher rates are severe weather and the cost of construction materials and vehicle repairs, among other factors.

State	Bundle insurance rates
South Dakota	$6,309
Arkansas	$5,978
Alabama	$4,481
Indiana	$4,263
North Dakota	$4,170

States where Auto-Owners is cheapest for bundling home and auto

Maine is the cheapest state for an Auto-Owners bundle. The table below shows which states have the cheapest rates for bundling your home and auto with Auto-Owners.

State	Bundle insurance rates
Maine	$1,385
Vermont	$1,553
New Hampshire	$2,089
Ohio	$2,568
Utah	$2,734

Home and auto bundle rates from Auto-Owners in major cities

Insurance companies look at your location when calculating rates because it impacts the level of risk. 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 with Auto-Owners in a selection of major cities across the nation.

Cities	Bundle insurance rates
Chicago, IL	$4,197
Columbus, OH	$2,532
Indianapolis, IN	$4,443
Nashville, TN	$3,005
Detroit, MI	$4,957

Auto-Owners home and auto bundle insurance rate comparison

Auto-Owners ranks fourth for bundle pricing when compared to other major carriers, with average premiums of $3,417. State Farm has the cheapest average home and auto bundling rates at $2,853 a year.

The following table looks at how Auto-Owners compares to other carriers for home and auto bundling.

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

Bundling with Auto-Owners vs. buying from two different companies

The following table shows what it costs if you have separate policies with Auto-Owners combined with another carrier for either your home or auto insurance, and whether or not you’ll save if you bundle.

In all cases we compared, bundling both home and auto insurance with Auto-Owners is cheaper, sometimes saving you thousands.

Auto-Owners home insurance with auto insurance from a competitor

Company	Home premium	Company	Auto premium	Total cost
Auto-Owners	$2,097	Allstate	$2,875	$4,972
Auto-Owners	$2,097	Erie	$1,570	$3,667
Auto-Owners	$2,097	Progressive	$2,586	$4,683
Auto-Owners	$2,097	State Farm	$1,667	$3,764
Auto-Owners	$2,097	Travelers	$1,823	$3,920
Total cost when bundled with Auto-Owners				$3,417

Auto-Owners auto insurance with home insurance from a competitor

Company	Auto premium	Company	Home premium	Total cost
Auto-Owners	$1,789	Allstate	$1,743	$3,532
Auto-Owners	$1,789	Erie	$2,378	$4,167
Auto-Owners	$1,789	Progressive	$2,060	$3,849
Auto-Owners	$1,789	State Farm	$2,124	$3,913
Auto-Owners	$1,789	Travelers	$5,161	$6,950
Total cost when bundled with Auto-Owners				$3,417

Should you bundle home and auto insurance with Auto-Owners?

Auto-Owners has a superior AM Best score of A++ and a low complaint score with the NAIC. Customers rated it highly for ease of service.

Auto-Owners’s home and auto bundling premiums are below the national average at $3,417 per year, but policies are not available in all states and Auto-Owners doesn’t provide online quoting.

When compared to buying separate policies for home and auto, bundling with Auto-Owners is generally cheaper, but rates vary so it’s important to compare quotes for your needs.

Frequently asked questions

Is it cheaper to have home and car insurance together with Auto-Owners?

Yes, when compared to buying separate policies with separate carriers, bundling with Auto-Owners is generally cheaper; however, rates vary and it may not be cheaper for you.

Is it worth it to bundle home and auto insurance with Auto-Owners?

Auto-Owners gives an average 12% discount for home and auto bundling, which makes bundling worthwhile for most customers.

What our expert says

Q: Is bundling always cheaper?

David LervigFounder and instructor at the Insurance School of Texas

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.