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 Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. | Updated on: December 26, 2024 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. 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 top choice for bundling home and auto insurance. It offers an average savings of 26%.Some insurance companies offer more significant bundling discounts, so comparing quotes is a good idea.Your ZIP code plays a major role in determining how much you can save on your home and auto insurance bundle.Bundling is usually a smart move, but sometimes it might not be the best option. How we picked the best companies for home and auto bundlingIn 2024, we conducted an analysis of home and auto insurance rates across all 50 states and Washington, D.C. using data from Quadrant Data Services. We examined the average bundling discounts offered by various insurance companies, calculating both pre- and post-bundling rates based on these discounts. Our analysis covered 48 insurance companies and data from 4,686 ZIP codes, providing a comprehensive view of bundling benefits nationwide.Our recommendation for the best home and auto bundles in ColoradoWe ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Colorado.State FarmThe average bundle discount at State Farm is $1,292, or 26%. Before the bundle discount is added, the average cost of home and auto insurance is $4,897. After getting a bundle discount, the cost drops to $3,605. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.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 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 ColoradoBundling 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.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%52.84What company offers the cheapest home and auto bundles in Colorado?If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.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$6,962Most and least expensive ZIP codes for home and auto insurance bundles in ColoradoWhere 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 codesThe most expensive ZIP code in Colorado for home and auto insurance bundling is 81001 at an average rate of $7,383. See the 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%Least expensive ZIP codesThe least expensive ZIP code in Colorado for bundling home and auto insurance is 81506, with an average cost of $2,789. Here are the 10 cheapest ZIP codes: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% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Colorado? Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.It’s also possible that a company has the right coverage for one type of insurance but not for the other.Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.“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 bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered. 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 The best, cheapest car insurance in ColoradoCheapest car insurance in ColoradoColorado car insurance calculatorNon-owner auto insurance in Colorado: Which company has the cheapest rates?Cheapest SR-22 insurance in Colorado 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 moreChris KissellContributing Researcher . .Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Used car insurance costs: Most and least expensive models to insure The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 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