Best and cheapest companies for home and auto bundles in Georgia

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

In Georgia, 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 27%.

Auto-Owners provides the lowest bundled rate in Georgia, with an average cost of $3,022 for combining your home and auto policies.

Key Takeaways

In Georgia, State Farm offers the biggest average discount of 27% on home and auto insurance bundles.
Different companies offer varying discounts for bundling, so it’s worth shopping around.
Where you live in the state can affect how much you save by bundling.
Bundling is generally a good idea, but in a few situations, it might not save you money.

How we picked the best companies for home and auto bundling

Insure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis.

Our recommendation for the best home and auto bundles in Georgia

We assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in Georgia for home and auto bundling.

State Farm

The average bundle discount at State Farm is $1,250, or 27%. Before the bundle discount is added, the average cost of home and auto insurance is $4,546. After getting a bundle discount, the cost drops to $3,296. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

Allstate

Allstate offers an average bundle discount of $787, or 19%. Before the bundle discount, you’ll pay an average of $4,060, which will decrease to $3,273 after the discount is applied.

Auto-Owners

Auto-Owners offers an average discount of $513 when you bundle your auto and home insurance, which is about 14%. Without the discount, the average cost is $3,535, but with the discount, it drops to $3,022.

Compare home and auto bundles in Georgia

Bundling your home and auto insurance in Georgia 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	$3,296	47	87.4	A++	27%	79.85
Allstate	$3,273	39	85	A+	19%	66.33
Auto-Owners	$3,022	49	81.2	A++	14%	63.59

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

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

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Auto-Owners	$1,685	$1,850	$3,535	$3,022
Allstate	$1,554	$2,506	$4,060	$3,273
State Farm	$2,513	$2,033	$4,546	$3,296
Country Financial	$3,516	$1,847	$5,363	$4,342

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

Your ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Georgia.

Most expensive ZIP codes

The most expensive ZIP code in Georgia for bundling home and auto insurance is 30337, with an average cost of $4,070. Here are the 10 most expensive ZIP codes:

ZIP code	Average auto and home after discount	Average difference
30337	$4,070	20%
30349	$4,043	20%
30311	$4,037	20%
30331	$4,029	20%
30310	$4,025	20%
30314	$4,019	20%
30336	$4,017	20%
30354	$3,993	20%
30315	$3,984	20%
30344	$3,933	20%

Least expensive ZIP codes

The most affordable ZIP code in Georgia for bundling home and auto insurance is 31322, with an average rate of $2,735. Below are the 10 least expensive ZIP codes.

ZIP code	Average auto and home after discount	Average difference
31322	$2,735	20%
30606	$3,026	20%
30741	$3,031	21%
30602	$3,041	20%
30601	$3,042	20%
30725	$3,047	21%
30605	$3,050	20%
30609	$3,072	20%
30683	$3,085	20%
30622	$3,121	20%

Frequently asked questions about bundling home and auto insurance

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

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 Georgia?

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.

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.