Best and cheapest companies for home and auto bundles in Colorado

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Bundling home and auto insurance in Colorado can help reduce your overall costs, but the best option depends on whether you’re focused on maximizing your discount or minimizing your final premium. On average, State Farm provides the highest percentage savings, while State Farm offers the most affordable bundled rates.

Insurance companies price bundles differently, so comparing multiple providers is essential. The right choice depends on your home value, driving profile and where you live within Colorado.

What you need to know about bundling in Colorado

Bundling means purchasing multiple insurance policies, such as home and auto, from the same insurer to receive a discount.
State Farm offers the biggest bundle discount in Colorado, saving an average of 24%
The cheapest bundle doesn’t always come from the biggest discount – final premiums can vary by company
Your location within Colorado plays a major role in how much you’ll actually save
Bundling is often cheaper and more convenient, but it’s not always the best deal

Which companies offer the best home and auto bundles in Colorado? Here’s our pick

State Farm, Allstate and Farmers rank among the best home and auto bundle companies in Colorado, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in Colorado:

State Farm

The average bundle discount at State Farm is $1,434, or 24%. Most State Farm policyholders can bundle home and auto under a single account, making the discount easy to access. Without the bundle discount, the average rate for home and auto is $6,089.

Allstate

The average bundle discount at Allstate is $1,212, or 17%. For Allstate customers with both home and auto policies, the bundle discount is applied to current coverage without needing to modify existing plans. Without the bundle discount, the average rate for home and auto is $7,086.

Farmers

The average bundle discount at Farmers is $2,586, or 23%. Policyholders who bundle with Farmers manage both policies together, with one renewal date and a single team handling any claims. Without the bundle discount, the average rate for home and auto is $11,492.

USAA

The average bundle discount at USAA is $354, or 5%. Without the bundle discount, the average rate for home and auto is $6,873.

People also ask:

Who has the cheapest home and auto bundle in Colorado?

State Farm has the cheapest home and auto bundle in Colorado, with an average premium of $4,655.

How much can you save by bundling home and auto insurance in Colorado?

Bundling home and auto insurance can save you around 17% on average, depending on the insurer. Actual savings may vary based on your policies, location, and eligibility for discounts.

How do home and auto bundle rates compare in Colorado?

Home and auto bundle rates in Colorado can vary widely by insurer. Some companies offer lower starting premiums, while others provide larger discounts, and the difference between providers can be significant. Comparing both the final cost and the discount is essential to finding the best deal.

Here’s how rates and savings compare across top insurers in Colorado:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
State Farm	A+	A+	$3,552	$2,537	0.87	1.15	$4,655	4.59
Allstate	A+	A+	$4,587	$2,499	1.20	1.26	$5,874	3.67
Farmers	A	A	$5,016	$6,476	1.24	0.89	$8,906	2.96
USAA*	A++	A++	$2,558	$4,315	1.16	0.46	$6,519	4.04

*USAA is only available to military community members and their families.

Bundle savings can vary more than you expect

Two insurers may offer similar discounts but still produce very different final premiums depending on their base pricing. Always ask for the combined annual total for both policies after discounts are applied – not just the percentage savings – before deciding. The company with the biggest advertised discount isn’t always the one with the lowest final cost.

What is the cheapest home and auto bundles in Colorado?

State Farm offers the cheapest home and auto bundle in Colorado, with the lowest overall premium. If you’re looking to maximize savings through discounts, State Farm provides the highest percentage reduction.

A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest total cost or the largest discount.

Here’s how the cheapest bundle options compare in Colorado:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$2,537	$3,552	$6,089	$4,655
Allstate	$2,499	$4,587	$7,086	$5,874
Farmers	$6,476	$5,016	$11,492	$8,906
USAA*	$4,315	$2,558	$6,873	$6,519

*USAA is only available to military community members and their families.

Cheapest doesn’t always mean best value

Cheaper premiums can sometimes come with higher deductibles, lower coverage limits or exclusions that leave you financially exposed when you file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price alone, review three key elements: your liability limits, deductible amounts and what’s excluded from the policy. A policy that saves you a few hundred dollars per year but increases your out-of-pocket costs significantly isn’t a better deal – it’s a bigger risk.

Which ZIP codes are most and least expensive in Colorado?

The most expensive ZIP code for home and auto bundles in Colorado is 80864, with average rates of $8,631, while the cheapest is 81504, where average premiums drop to $4,138. Rates can vary significantly across locations due to differences in risk, property values and local claims data.

Where you live plays a major role in how much you pay for bundled insurance, as both base premiums and available discounts vary by ZIP code.

Top ten most expensive ZIP codes

The most expensive ZIP code in Colorado for home and auto insurance bundling is 80864 at an average rate of $8,631.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
80864	$8,631	$1,364	14%
80751	$8,591	$1,402	14%
80223	$8,462	$1,484	15%
80938	$8,449	$1,361	14%
80239	$8,444	$1,466	15%
81001	$8,412	$1,504	15%
80219	$8,410	$1,475	15%
81006	$8,406	$1,508	15%
81003	$8,395	$1,519	15%
80249	$8,349	$1,453	15%

Top ten cheapest ZIP codes

The least expensive ZIP code in Colorado for home and auto insurance bundling is 81504 at an average rate of $4,138.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
81504	$4,138	$689	14%
81501	$4,144	$688	14%
81505	$4,148	$687	14%
81506	$4,171	$690	14%
81503	$4,207	$698	14%
81416	$4,295	$719	14%
81507	$4,327	$703	14%
81101	$4,711	$800	15%
81657	$4,804	$817	15%
81301	$4,846	$791	14%

Location can impact your premium more than you might expect

Local risk factors such as weather exposure, crime rates and rebuilding costs can create significant price differences even within the same city. Two homes located close to each other but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is typical, check whether your ZIP code is driving it higher – and if you’re planning to move, compare insurance rates for your new address before finalizing your decision.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Colorado by city

See rates in your city

Arvada

Colorado Springs

Mesa

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 across all 50 states and Washington, D.C. Bundle discount percentages were also reviewed based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 4 companies and 152 ZIP codes.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Colorado can help reduce costs and simplify policy management, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and unbundled quotes. Coverage can also differ between companies, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in Colorado?

Switching to a bundle is straightforward. Many people make the change when one of their policies is up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your old one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

When bundling home and auto insurance, review the total premium, coverage details, and the insurer’s reliability. It’s also important to choose a licensed company with strong claims support, since lower prices may come with trade-offs (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. June 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

$3,357/Year

Show more states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Which companies offer the best home and auto bundles in Colorado? Here's our pick
How do home and auto bundle rates compare in Colorado?
What is the cheapest home and auto bundles in Colorado?
Which ZIP codes are most and least expensive in Colorado?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

Best and cheapest companies for home and auto bundles in Colorado