Best and cheapest companies for home and auto bundles in Georgia

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Bundling home and auto insurance in Georgia 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 Auto-Owners 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 Georgia.

What you need to know about bundling in Georgia

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 Georgia, saving an average of 25%
The cheapest bundle doesn’t always come from the biggest discount – final premiums can vary by company
Your location within Georgia 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 Georgia? Here’s our pick

Auto-Owners, Country Financial and Allstate stand out as top home and auto bundle companies in Georgia, 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 Georgia:

Auto-Owners

The average bundle discount at Auto-Owners is $755, or 15%. Most Auto-Owners 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 $5,157.

Country Financial

The average bundle discount at Country Financial is $1,113, or 18%. Customers who bundle home and auto with Country Financial receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $6,180.

Allstate

The average bundle discount at Allstate is $1,648, or 24%. Policyholders who bundle with Allstate 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 $6,961.

State Farm

The average bundle discount at State Farm is $1,879, or 25%. Before the discount, the average cost of home and auto insurance is $7,443.

USAA

The average bundle discount at USAA is $347, or 8%. Without the bundle discount, the average rate for home and auto is $4,332.

People also ask:

Who has the cheapest home and auto bundle in Georgia?

Auto-Owners typically provides the most affordable home and auto bundle in Georgia, with average premiums around $4,402.

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

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 Georgia?

Home and auto bundle rates in Georgia 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 Georgia:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Auto-Owners	A+	A+	$2,706	$2,451	0.44	0.39	$4,402	4.78
Country Financial	A+	A+	$2,734	$3,446	0.34	0.23	$5,067	4.10
Allstate	A+	A+	$4,963	$1,998	1.20	1.26	$5,313	2.93
State Farm	A+	A+	$4,448	$2,995	0.87	1.15	$5,564	2.84
USAA*	A++	A++	$2,246	$2,086	1.16	0.46	$3,985	4.48

*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 Georgia?

Choose Auto-Owners if your priority is the lowest overall premium for a home and auto bundle in Georgia. 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 Georgia:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Auto-Owners	$2,451	$2,706	$5,157	$4,402
Country Financial	$3,446	$2,734	$6,180	$5,067
Allstate	$1,998	$4,963	$6,961	$5,313
State Farm	$2,995	$4,448	$7,443	$5,564
USAA*	$2,086	$2,246	$4,332	$3,985

*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 Georgia?

The most expensive ZIP code for home and auto bundles in Georgia is 30311, with average rates of $5,981, while the cheapest is 31634, where average premiums drop to $4,112. 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 Georgia for home and auto insurance bundling is 30311 at an average rate of $5,981.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
30311	$5,981	$1,141	16%
30314	$5,978	$1,137	16%
30310	$5,937	$1,137	16%
30315	$5,908	$1,106	16%
30336	$5,843	$1,106	16%
30349	$5,817	$1,127	16%
30354	$5,813	$1,121	16%
30331	$5,761	$1,104	16%
30344	$5,732	$1,091	16%
30337	$5,710	$1,103	16%

Top ten cheapest ZIP codes

The least expensive ZIP code in Georgia for home and auto insurance bundling is 31634 at an average rate of $4,112.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
31634	$4,112	$795	16%
39817	$4,165	$805	16%
30741	$4,178	$807	16%
39819	$4,183	$807	16%
30725	$4,212	$816	16%
30606	$4,214	$812	16%
30602	$4,221	$818	16%
30605	$4,232	$819	16%
30601	$4,241	$819	16%
30907	$4,263	$816	16%

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 Georgia by city

See rates in your city

Atlanta

Columbus

Savannah

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 5 companies and 115 ZIP codes.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Georgia 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 Georgia?

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

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/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 Georgia? Here's our pick
How do home and auto bundle rates compare in Georgia?
What is the cheapest home and auto bundles in Georgia?
Which ZIP codes are most and least expensive in Georgia?
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 Georgia