Best and cheapest companies for home and auto bundles in California

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Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from California insurers to help you find the carriers that offer the most affordable rates after bundling.

In California, State Farm offers the highest percentage of savings on home and auto bundles. Bundling your policies with State Farm can help you save an average of 21%.

Travelers provides the lowest bundled rate in California, with an average cost of $2,866 for combining your home and auto policies.

Key Takeaways

In California, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 21%.
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

Insure.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 California

We assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in California for home and auto bundling.

State Farm

State Farm offers an average bundle discount of $807, which is a 21% savings on your premiums. Before the discount, the combined home and auto insurance cost is $3,815, and after applying the bundle discount, the total cost drops to $3,008.

Nationwide

The average bundle discount at Nationwide is $911, or 23%. Without a bundle discount, customers pay $4,017 for coverage. After the bundle discount, customers pay $3,106 on average. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.

Travelers

Bundling 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 Insurance

Farmers Insurance offers an average bundle discount of $887, which is about 17%. Without the discount, the combined cost of home and auto insurance is $5,103. After applying the discount, the total cost drops to $4,216.

Allstate

The average bundle discount at Allstate is $130, or 4%. Before getting a bundle discount, customers see average rates of $3,506 for coverage. With the bundle discount, customers see average rates of $3,376. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Compare home and auto bundles in California

Bundling 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.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$3,008	47	87.4	A++	21%	79.08
Nationwide	$3,106	42	86.6	A	23%	76.75
Travelers	$2,866	44	83.6	A++	18%	76.21
Farmers Insurance	$4,216	43	82	A	17%	61.82
Allstate	$3,376	39	85	A+	4%	57.63

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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.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Travelers	$933	$2,553	$3,486	$2,866
Mercury Insurance	$1,225	$2,084	$3,309	$2,933
State Farm	$1,213	$2,602	$3,815	$3,008
Nationwide	$1,353	$2,664	$4,017	$3,106
Auto Club Enterprises (AAA)	$1,232	$2,628	$3,860	$3,164
Allstate	$783	$2,723	$3,506	$3,376
CSAA Insurance (AAA)	$1,039	$2,997	$4,036	$3,660
Farmers Insurance	$1,677	$3,426	$5,103	$4,216

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

Where 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 codes

The 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 code	Average auto and home after discount	Average difference
94621	$4,090	15%
94141	$4,084	15%
90002	$4,055	15%
90001	$3,973	15%
94601	$3,951	15%
94617	$3,944	15%
92697	$3,915	15%
94124	$3,894	15%
94603	$3,836	15%
94607	$3,802	15%

Least expensive ZIP codes

The 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 code	Average auto and home after discount	Average difference
95124	$2,809	15%
95014	$2,810	15%
95130	$2,812	15%
95008	$2,827	15%
95129	$2,838	15%
93230	$2,880	15%
95032	$2,880	15%
93202	$2,880	15%
95118	$2,886	15%
95120	$2,895	15%

Frequently asked questions about bundling home and auto insurance

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

Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.

However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.

It’s also possible that a company has the right coverage for one type of insurance but not for the other.

Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.

“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 bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.

However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.

But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered.

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.