Best and cheapest companies for home and auto bundles in Delaware

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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 Delaware insurers to help you find the carriers that offer the most affordable rates after bundling.

In Delaware, 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 24%.

State Farm provides the lowest bundled rate in Delaware, with an average cost of $1,952 for combining your home and auto policies.

Key Takeaways

In Delaware, State Farm is the best home and auto bundle insurance provider, offering an average discount of 24%.
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

In 2024, we analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre and post bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Delaware

We 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 Delaware.

State Farm

State Farm offers an average bundle discount of $618, which is a 24% savings on your premiums. Before the discount, the combined home and auto insurance cost is $2,570, and after applying the bundle discount, the total cost drops to $1,952.

Nationwide

Nationwide offers an average bundle discount of $572, or 21%. Before the bundle discount, you’ll pay an average of $2,739, which will decrease to $2,167 after the discount is applied.

Allstate

The average bundle discount at Allstate is $978, or 18%. Without the bundle discount, the average cost of coverage is $5,331. After the bundle discount, that cost goes down to $4,353. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Travelers

The average bundle discount at Travelers is $281, which is a 9% savings. The cost of home and auto insurance before the discount is $3,266, but it lowers to $2,985 after applying the discount.

Compare home and auto bundles in Delaware

Bundling your home and auto insurance in Delaware can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$1,952	47	87.4	A++	24%	82.03
Nationwide	$2,167	42	86.6	A	21%	74.18
Allstate	$4,353	39	85	A+	18%	61.6
Travelers	$2,985	44	83.6	A++	9%	58.8

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What company offers the cheapest home and auto bundles in Delaware?

State Farm offers the biggest percentage discount if you bundle. State Farm offers the cheapest rate overall if you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,057	$1,513	$2,570	$1,952
Nationwide	$1,130	$1,609	$2,739	$2,167
Travelers	$1,534	$1,732	$3,266	$2,985
Allstate	$1,069	$4,262	$5,331	$4,353

Most and least expensive ZIP codes for home and auto insurance bundles in Delaware

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 Delaware for bundling insurance.

Most expensive ZIP codes

The ZIP code 19708 in Delaware has the highest average cost for bundling home and auto insurance, at $3,421. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
19708	$3,421	18%
19801	$3,340	18%
19802	$3,273	18%
19805	$3,224	18%
19806	$3,113	17%
19944	$3,080	18%
19971	$3,079	18%
19720	$3,065	18%
19930	$3,061	18%
19977	$3,057	18%

Least expensive ZIP codes

The least expensive ZIP code in Delaware for home and auto insurance bundling is 19943 at an average rate of $2,527. See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
19943	$2,527	18%
19906	$2,527	18%
19904	$2,528	18%
19973	$2,586	18%
19962	$2,606	18%
19938	$2,638	18%
19950	$2,652	18%
19901	$2,670	18%
19946	$2,705	18%
19808	$2,712	17%

Frequently asked questions about home and auto bundle insurance

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

Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.

However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.

In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.

Rather than simply assuming that a bundle is your best deal, it always pays to shop around.

“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 Delaware?

Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.

However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.

If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated.

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

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.