Best and cheapest companies for home and auto bundles in Arizona

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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 Arizona 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 Arizona when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 25%.

Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in Arizona. On average, you will pay $2,478 when you bundle.

Key Takeaways

In Arizona, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 25%.
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 bundling

In 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 Arizona

We 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 Arizona.

State Farm

State Farm offers an average bundle discount of $820, which is a 25% savings on your premiums. Before the discount, the combined home and auto insurance cost is $3,298, and after applying the bundle discount, the total cost drops to $2,478.

Farmers Insurance

The average bundle discount at Farmers Insurance is $1,152, or 22%. Without a bundle discount, customers pay $5,332 for coverage. After the bundle discount, customers pay $4,180 on average. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and No. 8 in the Best Home Insurance Companies ranking.

Nationwide

The average bundle discount at Nationwide is $530, or 13%. Without the bundle discount, the average cost of coverage is $4,238. After the bundle discount, that cost goes down to $3,708. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.

Allstate

The average bundle discount at Allstate is $490, or 11%. Before the discount is added, the average cost of home and auto insurance is $4,453. After adding the bundle discount, the average cost is $3,963. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and at No. 5 in the Best Home Insurance Companies ranking.

Travelers

Travelers provides an average bundle discount of $660, or 10%. Before the discount, the average cost for coverage is $6,774. After applying the discount, the cost comes down to $6,114.

Compare home and auto bundles in Arizona

The amount you can save on home and auto insurance with a bundle in Arizona varies by company. Here is a breakdown of the rates and savings with top companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$2,478	47	87.4	A++	25%	82.03
Farmers Insurance	$4,180	43	82	A	22%	69.43
Nationwide	$3,708	42	86.6	A	13%	61.07
Allstate	$3,963	39	85	A+	11%	58.48
Travelers	$6,114	44	83.6	A++	10%	52.82

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What company offers the cheapest home and auto bundles in Arizona?

State Farm offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,439	$1,859	$3,298	$2,478
Nationwide	$1,843	$2,395	$4,238	$3,708
Allstate	$1,625	$2,828	$4,453	$3,963
Farmers Insurance	$2,693	$2,639	$5,332	$4,180
Travelers	$5,181	$1,593	$6,774	$6,114

Most and least expensive ZIP codes for home and auto insurance bundles in Arizona

Your ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Arizona.

Most expensive ZIP codes

The most expensive ZIP code in Arizona for home and auto insurance bundling is 85065 at an average rate of $5,315. See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
85065	$5,315	16%
85025	$5,271	16%
85026	$5,269	16%
85073	$5,259	17%
85039	$5,167	16%
85097	$5,076	16%
85021	$5,049	16%
85017	$5,030	16%
85013	$5,026	16%
85019	$5,014	16%

Least expensive ZIP codes

The most affordable ZIP code in Arizona for bundling home and auto insurance is 86409, with an average rate of $3,070. Below are the 10 least expensive ZIP codes.

ZIP code	Average auto and home after discount	Average difference
86409	$3,070	16%
86401	$3,134	16%
86442	$3,284	16%
85356	$3,291	16%
85365	$3,309	16%
86314	$3,312	16%
86429	$3,313	16%
85607	$3,321	16%
85344	$3,326	16%
86441	$3,332	17%

Frequently asked questions about home and auto bundle insurance

Is bundling home and auto insurance right for everyone in Arizona?

Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.

However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.

In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.

Rather than simply assuming that a bundle is your best deal, it always pays to shop around.

“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 Arizona?

Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.

However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.

If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated.

Methodology

Insure.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.

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Chris Kissell

Contributing 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.