Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Connecticut Best and cheapest companies for home and auto bundles in Connecticut State Farm provides the highest bundling discount in Connecticut, saving drivers around 25%, while State Farm offers the lowest bundled premium at $4,165. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onJune 4, 2026 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. Bundling home and auto insurance in Connecticut 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 Connecticut. What you need to know about bundling in Connecticut What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.State Farm offers the largest bundle discount in Connecticut, saving about 25%.The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.Your ZIP code within Connecticut can significantly affect how much you save.Bundling is often cheaper and more convenient, but it’s not always the best overall value. Which companies offer the best home and auto bundles in Connecticut? Here’s our pickAmica, State Farm and Farmers stand out as top home and auto bundle companies in Connecticut, offering competitive pricing, solid discounts and strong performance in both auto and home insurance rankings. The best option for you depends on whether you prioritize maximum savings or the lowest overall cost.We ranked insurers based on their average bundle discounts in both dollar and percentage terms, along with their rankings in home and auto insurance. Based on those criteria, these are the best bundling companies in Connecticut:AmicaThe average bundle discount at Amica is $735, or 13%. Most Amica 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 $5,877.State FarmThe average bundle discount at State Farm is $1,401, or 25%. For policyholders who carry both home and auto with State Farm, the bundle discount applies without requiring any changes to existing coverage. Before the discount, customers pay $5,566 for coverage.FarmersThe average bundle discount at Farmers is $812, or 11%. Bundling with Farmers means both policies share a single renewal date and the same claims team. The average combined rate before the discount is $7,448.USAAThe average bundle discount at USAA is $411, or 11%. Without the bundle discount, the average rate for home and auto is $3,651. People also ask: Who has the cheapest home and auto bundle in Connecticut?State Farm typically provides the most affordable home and auto bundle in Connecticut, with average premiums around $4,165.How much can you save by bundling home and auto insurance in Connecticut?Drivers who bundle home and auto insurance can save around 17% on average, depending on the insurer and their individual profile. How do home and auto bundle rates compare in Connecticut?Home and auto bundle rates in Connecticut vary widely by company, with some insurers offering significantly lower premiums or larger discounts than others. The difference between providers can be substantial, making it important to compare both the final bundled price and the discount offered.Here’s how rates and savings compare across top insurers in Connecticut:Company GroupAuto AM BestHome AM BestAuto PremiumHome PremiumAuto NAICHome NAICBundled PremiumOverall RatingAmicaA+A+$4,334$1,5430.590.37$5,1424.35State FarmA+A+$3,205$2,3610.871.15$4,1654.27FarmersAA$4,254$3,1941.240.89$6,6362.67USAA*A++A++$2,386$1,2651.160.46$3,2404.56*USAA is only available to military community members and their families.Powered by: 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 Connecticut?Choose State Farm if your priority is the lowest overall premium for a home and auto bundle in Connecticut. If your goal is to unlock the highest discount percentage, State Farm is the stronger option.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 choice depends on whether you prioritize the lowest final price or the largest discount.Here’s how the cheapest bundle options compare in Connecticut:CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleState Farm$2,361$3,205$5,566$4,165Amica$1,543$4,334$5,877$5,142Farmers$3,194$4,254$7,448$6,636USAA*$1,265$2,386$3,651$3,240*USAA is only available to military community members and their families.Powered by: 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 Connecticut?The most expensive ZIP code for home and auto bundles in Connecticut is 6607, with average rates of $5,795, while the cheapest is 6239, where average premiums drop to $3,965. 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 codesThe most expensive ZIP code in Connecticut for home and auto insurance bundling is 6607 at an average rate of $5,795.See the 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discount$ difference% difference6607$5,795$1,12116%6604$5,790$1,12416%6605$5,790$1,12416%6608$5,780$1,12416%6610$5,778$1,12516%6606$5,731$1,11816%6650$5,603$1,09316%6114$5,380$1,06817%6120$5,378$1,06617%6112$5,377$1,06617%Powered by:Top ten cheapest ZIP codesThe least expensive ZIP code in Connecticut for home and auto insurance bundling is 6239 at an average rate of $3,965.See the 10 least expensive ZIP codes below.ZIP codeAverage auto and home after discount$ difference% difference6239$3,965$78517%6269$4,004$80017%6076$4,010$80517%6268$4,013$80117%6082$4,022$79617%6231$4,032$80117%6242$4,065$80717%6756$4,069$80116%6066$4,073$80617%6010$4,115$82317%Powered by: Your ZIP code can impact your rate more than your insurer Location-based risks such as weather patterns, crime rates and rebuilding costs can create major price differences even within the same city. Two homes located less than a mile apart but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is standard, check whether your ZIP code is driving it up – and if you’re planning a move, get insurance quotes for your new address before committing. 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 Connecticut by citySee rates in your cityBridgeportNew HavenStamfordWaterburyHow we picked the best companies for home and auto bundlingWe 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 59 ZIP codes. Frequently asked questions about home and auto bundle insurance Is bundling home and auto insurance right for everyone in Connecticut? Bundling home and auto insurance in Connecticut 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 Connecticut? Bundling home and auto insurance in Connecticut 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.” 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. June 2026. MethodologyInsure.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 datasetsNAIC (35%) – complaint index and customer experienceAM Best (30%) – financial strength and stabilityHow much is home and auto bundle insurance in other statesAlaska$3,766/YearAlabama$4,171/YearArkansas$4,303/YearArizona$3,494/YearCalifornia$3,605/YearColorado$4,655/YearWashington, D.C.$4,209/YearDelaware$2,995/YearFlorida$5,034/YearGeorgia$4,402/YearHawaii$2,297/YearIowa$3,357/YearIdaho$2,084/YearIllinois$2,823/YearIndiana$3,707/YearKansas$5,023/YearKentucky$4,319/YearLouisiana$5,444/YearMassachusetts$3,348/YearMaryland$3,055/YearMaine$1,925/YearMichigan$5,213/YearMinnesota$3,436/YearMissouri$5,235/YearMississippi$4,294/YearMontana$3,332/YearNorth Carolina$2,138/YearNorth Dakota$3,818/YearNebraska$5,170/YearNew Hampshire$2,285/YearNew Jersey$3,261/YearNew Mexico$3,695/YearNevada$3,040/YearNew York$4,832/YearOhio$3,343/YearOklahoma$5,012/YearOregon$2,817/YearPennsylvania$3,126/YearRhode Island$2,525/YearSouth Carolina$3,978/YearSouth Dakota$3,689/YearTennessee$4,177/YearTexas$5,665/YearUtah$2,742/YearVirginia$2,450/YearVermont$1,821/YearWashington$3,023/YearWisconsin$3,191/YearWest Virginia$3,395/YearWyoming$2,786/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in ConnecticutBest and cheapest homeowners insurance companies in ConnecticutCost of Living in Connecticut in 2025How much does condo insurance cost in Connecticut?Average renters insurance cost in Connecticut Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. 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Here's our pickHow do home and auto bundle rates compare in Connecticut?What is the cheapest home and auto bundles in Connecticut?Which ZIP codes are most and least expensive in Connecticut?How we picked the best companies for home and auto bundlingFrequently asked questions about home and auto bundle insuranceResources & Methodology ZIP Code Please enter valid ZIP See rates 1-833-708-6021