Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Alabama Best and cheapest companies for home and auto bundles in Alabama State Farm has the biggest auto and home bundling discount in Alabama at an average of 27%, while Allstate has the cheapest overall bundled rate at an average of $2,543 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance. | Updated on: October 1, 2025 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. When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Alabama to determine which will give you the biggest price break when you purchase multiple types of coverage.State Farm offers the biggest percentage break on your home and auto premiums in Alabama when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 27%. Meanwhile, Allstate offers the cheapest overall rate when you bundle with the company in Alabama. On average, you will pay $2,543 when you bundle. Key Takeaways In Alabama, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 27%.Some insurance companies offer more significant bundling discounts, so comparing quotes is a good idea.Your ZIP code plays a major role in determining how much you can save on your home and auto insurance bundle.Bundling is usually a smart move, but sometimes it might not be the best option. How we picked the best companies for home and auto bundlingIn 2024, we analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre and post bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.Our recommendation for the best home and auto bundles in AlabamaWe ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Alabama.State FarmState Farm offers a 27% bundle discount, which amounts to an average savings of $1,245. The combined cost of home and auto insurance before the discount is $4,573, and after the discount, it drops to $3,328.AllstateThe average bundle discount at Allstate is $492, or 16%. Without a bundle discount, customers pay $3,035 for coverage. After the bundle discount, customers pay $2,543 on average. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.NationwideNationwide offers an average discount of $1,020 when you bundle your auto and home insurance, which is about 19%. Without the discount, the average cost is $5,263, but with the discount, it drops to $4,243.Farmers InsuranceThe average bundle discount at Farmers Insurance is $815, or 17%. Before the discount is added, the average cost of home and auto insurance is $4,668. After adding the bundle discount, the average cost is $3,853. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and at No. 8 in the Best Home Insurance Companies ranking.Auto-OwnersAuto-Owners provides an average bundle discount of $619, or 12%. Before the discount, the average cost for coverage is $5,100. After applying the discount, the cost comes down to $4,481.Compare home and auto bundles in AlabamaBundling your home and auto insurance in Alabama can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$3,328 4787.4A++27%77.78Allstate$2,543 3985A+16%66.27Nationwide$4,243 4286.6A19%60.08Farmers Insurance$3,853 4382A17%59.09Auto-Owners$4,481 4981.2A++12%53.09Powered by: Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now What company offers the cheapest home and auto bundle in Alabama?State Farm provides the largest discount on premiums for bundled insurance, while Allstate offers the lowest overall rate when you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleAllstate$1,151$1,884$3,035$2,543State Farm$2,786$1,787$4,573$3,328Farmers Insurance$2,360$2,308$4,668$3,853Nationwide$4,096$1,167$5,263$4,243Country Financial$3,764$1,660$5,424$4,275Auto-Owners$2,934$2,166$5,100$4,481Powered by:Most and least expensive ZIP codes for home and auto insurance bundles in AlabamaThe ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in Alabama for bundling insurance.Most expensive ZIP codesThe ZIP code 36527 in Alabama has the highest average cost for bundling home and auto insurance, at $4,548. See the top 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference36527$4,54819%36526$4,37319%36507$4,34919%36567$4,29319%35208$4,23119%35218$4,21319%36615$4,20419%36602$4,18319%36605$4,17819%36582$4,17719%Powered by:Least expensive ZIP codesThe least expensive ZIP code in Alabama for bundling home and auto insurance is 36345, with an average cost of $3,365. Here are the 10 cheapest ZIP codes:ZIP codeAverage auto and home after discountAverage difference36345$3,36519%36352$3,39119%36303$3,39819%35242$3,40019%36305$3,40419%36301$3,40919%35007$3,41419%36093$3,43719%36312$3,44219%36376$3,44719%Powered by: Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Alabama? Bundling your insurance policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.Remember when buying insurance that you’re doing so to protect your most valuable assets, says Christine O’Brien, president of the Insurance Council of New Jersey. Take the time to learn about policy limits and coverages and get several quotes. How can you switch to a home and auto bundle in Alabama? Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage. MethodologyInsure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate. You might find interesting Alabama car insurance calculatorAverage car insurance cost in AlabamaCar insurance calculator for teens in AlabamaCheapest SR-22 insurance in AlabamaDo you need insurance to register a car in Alabama?How much is gap insurance in AlabamaLow-cost car insurance in AlabamaNon-owner auto insurance in Alabama: Which company has the cheapest rates?The best, cheapest car insurance in AlabamaShow more Chris KissellContributing Researcher | . .Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver.How much is home and auto bundle insurance in other statesArizona$2,478/YearArkansas$3,119/YearCalifornia$2,866/YearColorado$3,605/YearDelaware$1,952/YearFlorida$3,408/YearGeorgia$3,022/YearIdaho$1,993/YearIllinois$2,678/YearIndiana$2,437/YearIowa$2,564/YearKansas$3,865/YearKentucky$3,465/YearLouisiana$3,987/YearMaine$1,385/YearMaryland$2,935/YearMichigan$3,651/YearMinnesota$2,949/YearMississippi$3,255/YearMissouri$3,393/YearMontana$3,188/YearNebraska$4,496/YearNevada$2,442/YearNew Hampshire$1,615/YearNew York$3,450/YearNorth Carolina$1,823/YearNorth Dakota$3,244/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/YearRhode Island$1,739/YearSouth Carolina$2,766/YearSouth Dakota$3,482/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWashington, D.C.$2,506/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow more In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How we picked the best companies for home and auto bundlingOur recommendation for the best home and auto bundles in AlabamaCompare home and auto bundles in AlabamaWhat company offers the cheapest home and auto bundle in Alabama?Most and least expensive ZIP codes for home and auto insurance bundles in AlabamaFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330