Best and cheapest companies for home and auto bundles in Colorado

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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 is the best home and auto bundle insurance provider, offering an average discount of 26%.
Some companies offer bigger savings for bundling than others, so it pays to shop around.
Where you live within the state will impact how much you can save by bundling.
Bundling usually makes sense, but there are situations where this might not be the case.

How we picked the best companies for home and auto bundling

Insure.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 Colorado

Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best companies for home and auto bundles in Colorado.

State Farm

State Farm offers an average bundle discount of $1,292, which is a 26% savings on your premiums. Before the discount, the combined home and auto insurance cost is $4,897, and after applying the bundle discount, the total cost drops to $3,605.

Farmers Insurance

Farmers 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 Family

American 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.

Allstate

Allstate offers an average bundle discount of $660, which is about 11%. Without the discount, the combined cost of home and auto insurance is $5,791. After applying the discount, the total cost drops to $5,131.

Nationwide

Nationwide 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 Colorado

Bundling 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.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$3,605	47	87.4	A++	26%	82.03
Farmers Insurance	$6,962	43	82	A	22%	62.68
American Family	$6,146	50	85	A	14%	57.55
Allstate	$5,131	39	85	A+	11%	56.83
Nationwide	$6,624	42	86.6	A	12%	52.84

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What 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.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$2,991	$1,906	$4,897	$3,605
Allstate	$2,918	$2,873	$5,791	$5,131
American Family	$3,506	$3,602	$7,108	$6,146
Nationwide	$5,763	$1,794	$7,557	$6,624
Farmers Insurance	$5,824	$3,146	$8,970	$6,962

Most and least expensive ZIP codes for home and auto insurance bundles in Colorado

Where you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in Colorado for policyholders who bundle their coverage:

Most expensive ZIP codes

The ZIP code 81001 in Colorado has the highest average cost for bundling home and auto insurance, at $7,383. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
81001	$7,383	18%
81003	$7,292	18%
81008	$7,057	18%
81006	$6,987	18%
81004	$6,931	17%
80751	$6,773	18%
80219	$6,655	17%
80239	$6,629	17%
80203	$6,585	17%
80018	$6,563	17%

Least expensive ZIP codes

The 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 code	Average auto and home after discount	Average difference
81506	$2,789	18%
81503	$2,831	17%
81504	$2,843	18%
81507	$2,854	18%
81505	$2,915	18%
81501	$2,971	18%
81416	$3,075	18%
81323	$3,324	17%
81303	$3,443	17%
81301	$3,488	17%

Frequently asked questions about home and auto bundle insurance

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

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 Colorado?

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.

Methodology

Insure.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.

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Chris Kissell

Contributing 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.