Best and cheapest companies for home and auto bundles in Colorado

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Bundling home and auto insurance in Colorado can save you money, but the best deal depends on whether you prioritize the biggest discount or the lowest overall premium. On average, State Farm offers the highest percentage savings, while State Farm delivers the cheapest bundled rates.

Insurance companies vary widely in how they price bundles, so comparing multiple providers is key. 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 are among the best home and auto bundle companies in Colorado, offering strong discounts, competitive bundled rates and high rankings for both auto and home insurance. The right choice for you will depend on whether you prioritize the biggest discount or the lowest final premium.

We ranked companies based on the average bundle discount they offer in both dollar and percentage terms, along with their performance in auto and home insurance rankings. Based on those criteria, these are the best companies for bundling in Colorado:

State Farm

The average bundle discount at State Farm is $1,434, or 24%. State Farm offers bundling across its home and auto policies, making it straightforward for most policyholders to qualify. Before the bundle discount is applied, the average combined cost of home and auto insurance sits at $6,089.

Allstate

The average bundle discount at Allstate is $1,212, or 17%. Customers who bundle home and auto with Allstate receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $7,086.

Farmers

The average bundle discount at Farmers is $2,586, or 23%. Bundling with Farmers also consolidates your policies under one renewal date and one point of contact for claims. Without the bundle discount, the average cost of coverage is $11,492.

USAA

The average bundle discount at USAA is $354, or 5%. Before the discount, the average cost of home and auto insurance 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 significantly by insurer. Some companies offer lower base premiums, while others provide larger discounts, and the difference between providers can be substantial. Comparing both the final price and the discount is key 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 companies can offer similar discounts but very different final premiums depending on their base rates. Always request the combined annual total for both policies after discounts – not just the discount percentage – before deciding where to bundle. The insurer with the loudest bundle offer isn’t always the one with the lowest final bill.

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

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or exclusions that leave you exposed when you need to 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 factors: liability limits, deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t actually a better deal – it becomes more expensive the moment you need to use it.

Which ZIP codes are most and least expensive in Colorado?

The most expensive ZIP code for bundled home and auto insurance in Colorado is 80864, with average rates of $8,631, while the least expensive is 81504, where premiums drop to $4,138. Rates vary based on local risks, property values and claims trends.

Where you live plays a major role in how much you pay, influencing both base premiums and available discounts.

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%

Your ZIP code can impact your rate more than your insurer

Location-based risks like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.

Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant.

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 for all 50 states and Washington, D.C. We also reviewed bundle discount percentages 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 save money and make managing your policies easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s worth comparing both options.

Coverage can also vary between insurers, so make sure both policies meet your needs before bundling. Bundling is convenient, but not always the best deal. Comparing bundled and separate quotes is the best way to make sure you’re actually saving money.

“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?

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, compare total costs, coverage details, and the insurer’s reputation. Make sure the company is licensed and offers reliable claims support, as the cheapest option may not provide the best overall value (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

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