Best and cheapest companies for home and auto bundles in California

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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 California 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 California when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 21%.

Meanwhile, Travelers offers the cheapest overall rate when you bundle with the company in California. On average, you will pay $2,866 when you bundle.

Key Takeaways

In California, State Farm offers the biggest average discount of 21% on home and auto insurance bundles.
Different companies offer varying discounts for bundling, so it’s worth shopping around.
Where you live in the state can affect how much you save by bundling.
Bundling is generally a good idea, but in a few situations, it might not save you money.

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 California

Insure.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 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

Nationwide offers an average bundle discount of $911, or 23%. Before the bundle discount, you’ll pay an average of $4,017, which will decrease to $3,106 after the discount is applied.

Travelers

The average bundle discount at Travelers is $620, or 18%. Without the bundle discount, the average cost of coverage is $3,486. After the bundle discount, that cost goes down to $2,866. Travelers ranked at No. 3 in our Best Auto Insurance Companies ranking and No. 9 in the Best Home Insurance Companies ranking.

Farmers Insurance

The average bundle discount at Farmers Insurance is $887, which is a 17% savings. The cost of home and auto insurance before the discount is $5,103, but it lowers to $4,216 after applying the discount.

Allstate

Allstate 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 California

Bundling your home and auto insurance in California can help you save, but the savings vary depending on the company. Let’s take a look at how much you can save with some of the top insurers.

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

What company offers the cheapest home and auto bundle in California?

State Farm provides the largest discount on premiums for bundled insurance, while Travelers offers the lowest overall rate when you bundle.

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

The 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 California for bundling insurance.

Most expensive ZIP codes

The most expensive ZIP code in California for bundling home and auto insurance is 94621, with an average cost of $4,090. Here are the 10 most expensive ZIP codes:

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 least expensive ZIP code in California for bundling home and auto insurance is 95124, with an average cost of $2,809. Here are the 10 cheapest 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 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.

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.

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.