Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in California Best and cheapest companies for home and auto bundles in California State Farm has the biggest auto and home bundling discount in California at an average of 21%, while Travelers has the cheapest overall bundled rate at an average of $2,866 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell 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. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance. | Updated on: October 1, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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 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 bundlingInsure.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 CaliforniaWe 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 FarmThe 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.NationwideThe 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.TravelersThe 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 InsuranceFarmers 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.AllstateAllstate 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 CaliforniaBundling 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.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$3,008 4787.4A++21%79.08Nationwide$3,106 4286.6A23%76.75Travelers$2,866 4483.6A++18%76.21Farmers Insurance$4,216 4382A17%61.82Allstate$3,376 3985A+4%57.63Powered by: Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now What company offers the cheapest home and auto bundles in California?State Farm offers the biggest percentage discount if you bundle. Travelers offers the cheapest rate overall if you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleTravelers$933$2,553$3,486$2,866Mercury Insurance$1,225$2,084$3,309$2,933State Farm$1,213$2,602$3,815$3,008Nationwide$1,353$2,664$4,017$3,106Auto Club Enterprises (AAA)$1,232$2,628$3,860$3,164Allstate$783$2,723$3,506$3,376CSAA Insurance (AAA)$1,039$2,997$4,036$3,660Farmers Insurance$1,677$3,426$5,103$4,216Powered by:Most and least expensive ZIP codes for home and auto insurance bundles in CaliforniaThe 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 codesThe 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 codeAverage auto and home after discountAverage difference94621$4,09015%94141$4,08415%90002$4,05515%90001$3,97315%94601$3,95115%94617$3,94415%92697$3,91515%94124$3,89415%94603$3,83615%94607$3,80215%Powered by:Least expensive ZIP codesThe 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 codeAverage auto and home after discountAverage difference95124$2,80915%95014$2,81015%95130$2,81215%95008$2,82715%95129$2,83815%93230$2,88015%95032$2,88015%93202$2,88015%95118$2,88615%95120$2,89515%Powered by: 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. MethodologyInsure.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 Average car insurance cost in CaliforniaCalifornia car insurance calculatorCar insurance calculator for teens in CaliforniaCheapest SR-22 insurance in CaliforniaDo you need insurance to register a car in California?How long does a speeding ticket stay on your record in CaliforniaHow much car insurance costs in California vs. FloridaHow much car insurance costs in California vs. NevadaHow much car insurance costs in California vs. New YorkHow much car insurance costs in California vs. OregonHow much car insurance costs in California vs. TexasHow much car insurance costs in California vs. WashingtonHow much is gap insurance in CaliforniaLow-cost car insurance in CaliforniaNon-owner car insurance in California: Which company has the cheapest rates?The best, cheapest car insurance in California Chris KissellContributing 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.How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/YearColorado$3,605/YearDelaware$1,952/YearFlorida$3,408/YearGeorgia$3,022/YearIdaho$1,993/YearIllinois$2,678/YearIndiana$2,437/YearIowa$2,564/YearKansas$3,865/YearKentucky$3,465/YearLouisiana$3,987/YearMaine$1,385/YearMaryland$2,935/YearMichigan$3,651/YearMinnesota$2,949/YearMississippi$3,255/YearMissouri$3,393/YearMontana$3,188/YearNebraska$4,496/YearNevada$2,442/YearNew Hampshire$1,615/YearNew York$3,450/YearNorth Carolina$1,823/YearNorth Dakota$3,244/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/YearRhode Island$1,739/YearSouth Carolina$2,766/YearSouth Dakota$3,482/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWashington, D.C.$2,506/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow more In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How we picked the best companies for home and auto bundlingOur recommendation for the best home and auto bundles in CaliforniaCompare home and auto bundles in CaliforniaWhat company offers the cheapest home and auto bundles in California?Most and least expensive ZIP codes for home and auto insurance bundles in CaliforniaFrequently asked questions about home and auto bundle insuranceMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330