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 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 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

The average bundle discount at State Farm is $807, or 21%. Before the bundle discount is added, the average cost of home and auto insurance is $3,815. After getting a bundle discount, the cost drops to $3,008. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

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

Travelers offers an average discount of $620 when you bundle your auto and home insurance, which is about 18%. Without the discount, the average cost is $3,486, but with the discount, it drops to $2,866.

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

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 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

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 California.

Most expensive ZIP codes

The ZIP code 94621 in California has the highest average cost for bundling home and auto insurance, at $4,090. See the top 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 least expensive ZIP code in California for home and auto insurance bundling is 95124 at an average rate of $2,809. See the 10 least expensive ZIP codes below.

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 policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.

While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.

Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.

Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.

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?

Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.

You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.

Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.

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.