Best and cheapest companies for home and auto bundles in California

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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 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 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 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

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

Allstate offers an average bundle discount of $130, or 4%. The average rate for coverage before the discount is $3,506, and with the discount, it’s reduced to $3,376.

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

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

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 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 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.

You might find interesting

How much is home and auto bundle insurance in other states

Alabama$2,543/Year

Arizona$2,478/Year

Arkansas$3,119/Year

Colorado$3,605/Year

Delaware$1,952/Year

Florida$3,408/Year

Georgia$3,022/Year

Idaho$1,993/Year

Illinois$2,678/Year

Indiana$2,437/Year

Iowa$2,564/Year

Kansas$3,865/Year

Kentucky$3,465/Year

Louisiana$3,987/Year

Maine$1,385/Year

Maryland$2,935/Year

Michigan$3,651/Year

Minnesota$2,949/Year

Mississippi$3,255/Year

Missouri$3,393/Year

Montana$3,188/Year

Nebraska$4,496/Year

Nevada$2,442/Year

New Hampshire$1,615/Year

New York$3,450/Year

North Carolina$1,823/Year

North Dakota$3,244/Year

Ohio$2,229/Year

Oklahoma$4,641/Year

Oregon$1,701/Year

Pennsylvania$2,589/Year

Rhode Island$1,739/Year

South Carolina$2,766/Year

South Dakota$3,482/Year

Tennessee$2,843/Year

Utah$1,972/Year

Vermont$1,553/Year

Virginia$1,995/Year

Washington$1,762/Year

Washington, D.C.$2,506/Year

West Virginia$2,361/Year

Wisconsin$2,083/Year

Wyoming$2,619/Year

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.

On this page

How we picked the best companies for home and auto bundling
Our recommendation for the best home and auto bundles in California
Compare home and auto bundles in California
What company offers the cheapest home and auto bundle in California?
Most and least expensive ZIP codes for home and auto insurance bundles in California
Frequently asked questions about bundling home and auto insurance
Methodology