Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Colorado Best and cheapest companies for home and auto bundles in Colorado State Farm has the biggest auto and home bundling discount in Colorado at an average of 26%, and has the cheapest overall bundled rate at an average of $3,605 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 Colorado 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 Colorado when you bundle your policies. By choosing this insurer, you can save an average of 26% on your home and auto bundle. On the other hand, State Farm provides the lowest overall rate for bundling in Colorado. When you bundle your policies, you can expect to pay an average of $3,605. Key Takeaways In Colorado, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 26%.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 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 ColoradoWe 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 Colorado for home and auto bundling.State FarmState Farm offers a 26% bundle discount, which amounts to an average savings of $1,292. The combined cost of home and auto insurance before the discount is $4,897, and after the discount, it drops to $3,605.Farmers InsuranceFarmers Insurance offers an average bundle discount of $2,008, or 22%. Before the bundle discount, you’ll pay an average of $8,970, which will decrease to $6,962 after the discount is applied.American FamilyAmerican Family offers an average discount of $962 when you bundle your auto and home insurance, which is about 14%. Without the discount, the average cost is $7,108, but with the discount, it drops to $6,146.AllstateThe average bundle discount at Allstate is $660, which is a 11% savings. The cost of home and auto insurance before the discount is $5,791, but it lowers to $5,131 after applying the discount.NationwideThe average bundle discount at Nationwide is $933, or 12%. Before getting a bundle discount, customers see average rates of $7,557 for coverage. With the bundle discount, customers see average rates of $6,624. Nationwide ranked at No. 4 in our Best Auto Insurance Companies ranking and No. 7 in the Best Home Insurance Companies ranking.Compare home and auto bundles in ColoradoBundling your home and auto insurance in Colorado 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$3,605 4787.4A++26%82.03Farmers Insurance$6,962 4382A22%62.68American Family$6,146 5085A14%57.55Allstate$5,131 3985A+11%56.83Nationwide$6,624 4286.6A12%52.84What company offers the cheapest home and auto bundle in Colorado?State Farm provides the largest discount on premiums for bundled insurance, while State Farm offers the lowest overall rate when you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$2,991$1,906$4,897$3,605Allstate$2,918$2,873$5,791$5,131American Family$3,506$3,602$7,108$6,146Nationwide$5,763$1,794$7,557$6,624Farmers Insurance$5,824$3,146$8,970$6,962Most and least expensive ZIP codes for home and auto insurance bundles in ColoradoYour 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 Colorado.Most expensive ZIP codesThe most expensive ZIP code in Colorado for bundling home and auto insurance is 81001, with an average cost of $7,383. Here are the 10 most expensive ZIP codes:ZIP codeAverage auto and home after discountAverage difference81001$7,38318%81003$7,29218%81008$7,05718%81006$6,98718%81004$6,93117%80751$6,77318%80219$6,65517%80239$6,62917%80203$6,58517%80018$6,56317%Least expensive ZIP codesThe least expensive ZIP code in Colorado for home and auto insurance bundling is 81506 at an average rate of $2,789. See the 10 least expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference81506$2,78918%81503$2,83117%81504$2,84318%81507$2,85418%81505$2,91518%81501$2,97118%81416$3,07518%81323$3,32417%81303$3,44317%81301$3,48817% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Colorado? 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 Colorado? 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 ColoradoCheapest car insurance in ColoradoColorado car insurance calculatorNon-owner auto insurance in Colorado: Which company has the cheapest rates?Cheapest SR-22 insurance in Colorado How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/YearCalifornia$2,866/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 ColoradoCompare home and auto bundles in ColoradoWhat company offers the cheapest home and auto bundle in Colorado?Most and least expensive ZIP codes for home and auto insurance bundles in ColoradoFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates