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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 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

The 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 Family

Bundling 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.

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 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 Colorado

The 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 Rating
State Farm$3,605 4787.4A++26%82.03
Farmers Insurance$6,962 4382A22%62.68
American Family$6,146 5085A14%57.55
Allstate$5,131 3985A+11%56.83
Nationwide$6,624 4286.6A12%52.84
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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 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
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Most and least expensive ZIP codes for home and auto insurance bundles in Colorado

The 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 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 codeAverage auto and home after discountAverage difference
81001$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%
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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 codeAverage auto and home after discountAverage difference
81506$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%
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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.

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

 
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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 states

Alabama$2,543/Year
Arizona$2,478/Year
Arkansas$3,119/Year
California$2,866/Year
Delaware$1,952/Year
Florida$3,408/Year
Georgia$3,022/Year
Idaho$1,993/Year
Illinois$2,678/Year
Indiana$2,437/Year
Iowa$2,564/Year
Kansas$3,865/Year
Kentucky$3,465/Year
Louisiana$3,987/Year
Maine$1,385/Year
Maryland$2,935/Year
Michigan$3,651/Year
Minnesota$2,949/Year
Mississippi$3,255/Year
Missouri$3,393/Year
Montana$3,188/Year
Nebraska$4,496/Year
Nevada$2,442/Year
New Hampshire$1,615/Year
New York$3,450/Year
North Carolina$1,823/Year
North Dakota$3,244/Year
Ohio$2,229/Year
Oklahoma$4,641/Year
Oregon$1,701/Year
Pennsylvania$2,589/Year
Rhode Island$1,739/Year
South Carolina$2,766/Year
South Dakota$3,482/Year
Tennessee$2,843/Year
Utah$1,972/Year
Vermont$1,553/Year
Virginia$1,995/Year
Washington$1,762/Year
Washington, D.C.$2,506/Year
West Virginia$2,361/Year
Wisconsin$2,083/Year
Wyoming$2,619/Year
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