Best and cheapest companies for home and auto bundles in Georgia

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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 Georgia 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 Georgia when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 27%.

Meanwhile, Auto-Owners offers the cheapest overall rate when you bundle with the company in Georgia. On average, you will pay $3,022 when you bundle.

Key Takeaways

In Georgia, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 27%.
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 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

Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best companies for home and auto bundles in Georgia.

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

The average bundle discount at Auto-Owners is $513, or 14%. Without the bundle discount, the average cost of coverage is $3,535. After the bundle discount, that cost goes down to $3,022. Auto-Owners ranked at No. 2 in our Best Auto Insurance Companies ranking and No. 3 in the Best Home Insurance Companies ranking.

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 bundle in Georgia?

State Farm provides the largest discount on premiums for bundled insurance, while Auto-Owners offers the lowest overall rate when 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

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 Georgia for bundling insurance.

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 least expensive ZIP code in Georgia for home and auto insurance bundling is 31322 at an average rate of $2,735. See the 10 least expensive ZIP codes below.

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.