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: November 20, 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 you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Colorado to determine which will give you the biggest price break when you purchase multiple types of coverage.State Farm offers the biggest percentage break on your home and auto premiums in Colorado when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 26%. Meanwhile, State Farm offers the cheapest overall rate when you bundle with the company in Colorado. On average, you will pay $3,605 when you bundle. Key Takeaways In Colorado, State Farm offers the biggest average discount of 26% 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 ColoradoWe 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 Colorado.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 discount of $2,008 when you bundle your auto and home insurance, which is about 22%. Without the discount, the average cost is $8,970, but with the discount, the price drops to $6,962.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, or 11%. Before the discount is added, the average cost of home and auto insurance is $5,791. After adding the bundle discount, the average cost is $5,131. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and at No. 5 in the Best Home Insurance Companies ranking.NationwideNationwide offers an average bundle discount of $933, or 12%. The average rate for coverage before the discount is $7,557, and with the discount, it’s reduced to $6,624.Compare home and auto bundles in ColoradoBundling your home and auto insurance in Colorado 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$3,605 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%52.84Powered 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 Colorado?If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.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$6,962Powered by:Most 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 home and auto insurance bundling is 81001 at an average rate of $7,383. See the 10 most expensive ZIP codes below.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%Powered by: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%Powered by: Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Colorado? Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.It’s also possible that a company has the right coverage for one type of insurance but not for the other.Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.“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? Switching to a bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered. 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 ColoradoCar insurance calculator for teens in ColoradoCheapest SR-22 insurance in ColoradoColorado car insurance calculatorDo you need insurance to register a car in Colorado?How much car insurance costs in Colorado vs. TexasHow much is gap insurance in ColoradoLow-cost car insurance in ColoradoNon-owner auto insurance in Colorado: Which company has the cheapest rates?The best, cheapest car insurance in ColoradoShow more 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/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/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 ColoradoCompare home and auto bundles in ColoradoWhat company offers the cheapest home and auto bundles 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 (844) 645-3330