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: 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 Colorado insurers to help you find the carriers that offer the most affordable rates after bundling.In Colorado, 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 26%. State Farm provides the lowest bundled rate in Colorado, with an average cost of $3,605 for combining your home and auto policies. 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 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 ColoradoInsure.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 FarmState 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 InsuranceThe average bundle discount at Farmers Insurance is $2,008, or 22%. Without a bundle discount, customers pay $8,970 for coverage. After the bundle discount, customers pay $6,962 on average. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and No. 8 in the Best Home Insurance Companies ranking.American FamilyBundling auto and home insurance with American Family can save an average of $962, or 14%. Without the discount, the coverage costs $7,108, but after the discount, it’s only $6,146.AllstateAllstate 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.NationwideNationwide provides an average bundle discount of $933, or 12%. Before the discount, the average cost for coverage is $7,557. After applying the discount, the cost comes down to $6,624.Compare home and auto bundles in ColoradoThe amount you can save on home and auto insurance with a bundle in Colorado varies by company. Here is a breakdown of the rates and savings with top 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%52.84Powered 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?State Farm offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if 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$6,962Powered by:Most and least expensive ZIP codes for home and auto insurance bundles in ColoradoThe 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 Colorado for bundling insurance.Most expensive ZIP codesThe 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 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 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 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 Colorado 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