Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in California Best and cheapest companies for home and auto bundles in California State Farm has the biggest auto and home bundling discount in California at an average of 21%, while Travelers has the cheapest overall bundled rate at an average of $2,866 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: September 8, 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 shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in California to identify which ones provide significant savings when combining multiple coverage types.State Farm provides the highest percentage discount on home and auto insurance premiums in California when you bundle your policies. By choosing this insurer, you can save an average of 21% on your home and auto bundle. On the other hand, Travelers provides the lowest overall rate for bundling in California. When you bundle your policies, you can expect to pay an average of $2,866. Key Takeaways In California, State Farm is the best home and auto bundle insurance provider, offering an average discount of 21%.Some companies offer bigger savings for bundling than others, so it pays to shop around.Where you live within the state will impact how much you can save by bundling.Bundling usually makes sense, but there are situations where this might not be the case. How we picked the best companies for home and auto bundlingInsure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis.Our recommendation for the best home and auto bundles in CaliforniaInsure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best companies for home and auto bundles in California.State FarmState Farm offers a 21% bundle discount, which amounts to an average savings of $807. The combined cost of home and auto insurance before the discount is $3,815, and after the discount, it drops to $3,008.NationwideNationwide offers an average discount of $911 when you bundle your auto and home insurance, which is about 23%. Without the discount, the average cost is $4,017, but with the discount, the price drops to $3,106.TravelersBundling auto and home insurance with Travelers can save an average of $620, or 18%. Without the discount, the coverage costs $3,486, but after the discount, it’s only $2,866.Farmers InsuranceThe average bundle discount at Farmers Insurance is $887, or 17%. Before the discount is added, the average cost of home and auto insurance is $5,103. After adding the bundle discount, the average cost is $4,216. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and at No. 8 in the Best Home Insurance Companies ranking.AllstateAllstate provides an average bundle discount of $130, or 4%. Before the discount, the average cost for coverage is $3,506. After applying the discount, the cost comes down to $3,376.Compare home and auto bundles in CaliforniaBundling your home and auto insurance in California 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$3,008 4787.4A++21%79.08Nationwide$3,106 4286.6A23%76.75Travelers$2,866 4483.6A++18%76.21Farmers Insurance$4,216 4382A17%61.82Allstate$3,376 3985A+4%57.63Powered by:What company offers the cheapest home and auto bundles in California?If you bundle your policies, State Farm gives you the highest discount. Travelers has the lowest overall rate for bundling.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleTravelers$933$2,553$3,486$2,866Mercury Insurance$1,225$2,084$3,309$2,933State Farm$1,213$2,602$3,815$3,008Nationwide$1,353$2,664$4,017$3,106Auto Club Enterprises (AAA)$1,232$2,628$3,860$3,164Allstate$783$2,723$3,506$3,376CSAA Insurance (AAA)$1,039$2,997$4,036$3,660Farmers Insurance$1,677$3,426$5,103$4,216Powered by:Most and least expensive ZIP codes for home and auto insurance bundles in CaliforniaWhere you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in California for policyholders who bundle their coverage:Most expensive ZIP codesThe most expensive ZIP code in California for home and auto insurance bundling is 94621 at an average rate of $4,090. See the 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference94621$4,09015%94141$4,08415%90002$4,05515%90001$3,97315%94601$3,95115%94617$3,94415%92697$3,91515%94124$3,89415%94603$3,83615%94607$3,80215%Powered by:Least expensive ZIP codesThe most affordable ZIP code in California for bundling home and auto insurance is 95124, with an average rate of $2,809. Below are the 10 least expensive ZIP codes.ZIP codeAverage auto and home after discountAverage difference95124$2,80915%95014$2,81015%95130$2,81215%95008$2,82715%95129$2,83815%93230$2,88015%95032$2,88015%93202$2,88015%95118$2,88615%95120$2,89515%Powered by: Frequently asked questions about home and auto bundle insurance Is bundling home and auto insurance right for everyone in California? 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 California? 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. 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 Average car insurance cost in CaliforniaCalifornia car insurance calculatorCheapest car insurance in CaliforniaCheapest SR-22 insurance in CaliforniaDo you need insurance to register a car in California?How long does a speeding ticket stay on your record in CaliforniaHow much car insurance costs in California vs. FloridaHow much car insurance costs in California vs. NevadaHow much car insurance costs in California vs. New YorkHow much car insurance costs in California vs. OregonHow much car insurance costs in California vs. TexasHow much car insurance costs in California vs. WashingtonHow much is gap insurance in CaliforniaNon-owner car insurance in California: Which company has the cheapest rates?The best, cheapest car insurance in California 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 statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/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 Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 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 CaliforniaCompare home and auto bundles in CaliforniaWhat company offers the cheapest home and auto bundles in California?Most and least expensive ZIP codes for home and auto insurance bundles in CaliforniaFrequently asked questions about home and auto bundle insuranceMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330