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: April 23, 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. 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 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 bundlingIn 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 CaliforniaWe assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in California for home and auto bundling.State FarmState Farm offers a 21% bundle discount, which amounts to an average savings of $807. The combined cost of home and auto insurance before the discount is $3,815, and after the discount, it drops to $3,008.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.TravelersBundling 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 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 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 CaliforniaBundling 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.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%57.63What company offers the cheapest home and auto bundles in California?If you bundle your policies, State Farm gives you the highest discount. Travelers has the lowest overall rate for bundling.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$4,216Most 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 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 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%Least expensive ZIP codesThe 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 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% 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. 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 The best, cheapest car insurance in CaliforniaCheapest car insurance in CaliforniaCalifornia car insurance calculatorNon-owner car insurance in California: Which company has the cheapest rates?Cheapest SR-22 insurance in California 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/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris 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. 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Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 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 bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates