Best and cheapest companies for home and auto bundles in California

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Bundling home and auto insurance in California can help reduce your overall costs, but the best option depends on whether you’re focused on maximizing your discount or minimizing your final premium. On average, Nationwide provides the highest percentage savings, while Auto Club Enterprises (AAA) offers the most affordable bundled rates.

Insurance companies price bundles differently, so comparing multiple providers is essential. The right choice depends on your home value, driving profile and where you live within California.

What you need to know about bundling in California

Bundling means purchasing multiple insurance policies, such as home and auto, from the same insurer to receive a discount.
Nationwide offers the biggest bundle discount in California, saving an average of 23%
The cheapest bundle doesn’t always come from the biggest discount – final premiums can vary by company
Your location within California plays a major role in how much you’ll actually save
Bundling is often cheaper and more convenient, but it’s not always the best deal

Which companies offer the best home and auto bundles in California? Here’s our pick

Travelers, Auto Club Enterprises (AAA) and Nationwide rank among the best home and auto bundle companies in California, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in California:

Travelers

The average bundle discount at Travelers is $1,024, or 22%. Travelers offers bundling across its home and auto policies, making it straightforward for most policyholders to qualify. Before the bundle discount is applied, the average combined cost of home and auto insurance sits at $4,687.

Auto Club Enterprises (AAA)

The average bundle discount at Auto Club Enterprises (AAA) is $788, or 18%. Customers who bundle home and auto with Auto Club Enterprises (AAA) receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $4,393.

Nationwide

The average bundle discount at Nationwide is $1,323, or 23%. Bundling with Nationwide means both policies share a single renewal date and the same claims team. The average combined rate before the discount is $5,705.

Allstate

The average bundle discount at Allstate is $182, or 4%. The average combined rate before the discount is $4,296.

State Farm

The average bundle discount at State Farm is $1,174, or 21%. Before the discount, customers see average rates of $5,544.

People also ask:

Who has the cheapest home and auto bundle in California?

Auto Club Enterprises (AAA) has the cheapest home and auto bundle in California, with an average premium of $3,605.

How much can you save by bundling home and auto insurance in California?

Bundling home and auto insurance can save you around 17% on average, depending on the insurer. Actual savings may vary based on your policies, location, and eligibility for discounts.

How do home and auto bundle rates compare in California?

Home and auto bundle rates in California can vary significantly by insurer. Some companies offer lower base premiums, while others provide larger discounts, and the difference between providers can be substantial. Comparing both the final price and the discount is key to finding the best deal.

Here’s how rates and savings compare across top insurers in California:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Travelers	A++	A++	$3,621	$1,066	0.63	0.91	$3,663	4.94
Auto Club Enterprises (AAA)	A+	A+	$3,093	$1,300	1.29	1.03	$3,605	4.33
Nationwide	A	A	$3,989	$1,716	0.64	1.34	$4,382	3.82
Allstate	A+	A+	$3,181	$1,115	1.20	1.26	$4,114	3.81
State Farm	B	B	$3,856	$1,688	0.87	1.15	$4,370	3.45
CSAA Insurance (AAA)	A	A	$4,021	$1,417	1.02	1.31	$4,926	3.21
Farmers	A	A	$4,741	$1,890	1.24	0.89	$5,624	3.00

Bundle savings can vary more than you expect

Two companies can offer similar discounts but very different final premiums depending on their base rates. Always request the combined annual total for both policies after discounts – not just the discount percentage – before deciding where to bundle. The insurer with the loudest bundle offer isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in California?

Auto Club Enterprises (AAA) offers the cheapest home and auto bundle in California, with the lowest overall premium. If you’re looking to maximize savings through discounts, Nationwide provides the highest percentage reduction.

A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest total cost or the largest discount.

Here’s how the cheapest bundle options compare in California:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Auto Club Enterprises (AAA)	$1,300	$3,093	$4,393	$3,605
Travelers	$1,066	$3,621	$4,687	$3,663
Allstate	$1,115	$3,181	$4,296	$4,114
State Farm	$1,688	$3,856	$5,544	$4,370
Nationwide	$1,716	$3,989	$5,705	$4,382
CSAA Insurance (AAA)	$1,417	$4,021	$5,438	$4,926
Farmers	$1,890	$4,741	$6,631	$5,624

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or exclusions that leave you exposed when you need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price alone, review three key factors: liability limits, deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t actually a better deal – it becomes more expensive the moment you need to use it.

Which ZIP codes are most and least expensive in California?

The most expensive ZIP code for home and auto bundles in California is 90002, with average rates of $5,448, while the cheapest is 95014, where average premiums drop to $3,437. Rates can vary significantly across locations due to differences in risk, property values and local claims data.

Where you live plays a major role in how much you pay for bundled insurance, as both base premiums and available discounts vary by ZIP code.

Top ten most expensive ZIP codes

The most expensive ZIP code in California for home and auto insurance bundling is 90002 at an average rate of $5,448.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
90002	$5,448	$1,052	16%
90001	$5,395	$1,047	16%
94621	$5,340	$1,032	16%
94601	$5,122	$967	16%
94603	$5,039	$968	16%
94124	$4,992	$946	16%
94607	$4,945	$943	16%
94606	$4,930	$936	16%
90813	$4,881	$932	16%
94612	$4,859	$920	16%

Top ten cheapest ZIP codes

The least expensive ZIP code in California for home and auto insurance bundling is 95014 at an average rate of $3,437.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
95014	$3,437	$645	16%
93230	$3,501	$650	16%
95124	$3,519	$659	16%
95008	$3,522	$661	16%
95130	$3,531	$671	16%
93202	$3,542	$660	16%
95129	$3,543	$668	16%
95032	$3,608	$683	16%
95120	$3,614	$687	16%
95118	$3,617	$682	16%

Your ZIP code can impact your rate more than your insurer

Location-based risks like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.

Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in California by city

See rates in your city

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 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 7 companies and 214 ZIP codes in our analysis.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in California can help reduce costs and simplify policy management, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and unbundled quotes. Coverage can also differ between companies, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in California?

Switching to a bundle is straightforward. Many people make the change when one of their policies is up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your old one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

When bundling home and auto insurance, review the total premium, coverage details, and the insurer’s reliability. It’s also important to choose a licensed company with strong claims support, since lower prices may come with trade-offs (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. May 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

$3,357/Year

Show more states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Which companies offer the best home and auto bundles in California? Here's our pick
How do home and auto bundle rates compare in California?
What is the cheapest home and auto bundles in California?
Which ZIP codes are most and least expensive in California?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

Best and cheapest companies for home and auto bundles in California