Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Indiana Best and cheapest companies for home and auto bundles in Indiana State Farm has the biggest auto and home bundling discount in Indiana at an average of 25%, while Indiana Farmers has the cheapest overall bundled rate at an average of $2,437 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell 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. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance. | Updated on: April 23, 2025 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. When shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in Indiana to identify which ones provide significant savings when combining multiple coverage types.State Farm provides the highest percentage discount on home and auto insurance premiums in Indiana when you bundle your policies. By choosing this insurer, you can save an average of 25% on your home and auto bundle. On the other hand, Indiana Farmers provides the lowest overall rate for bundling in Indiana. When you bundle your policies, you can expect to pay an average of $2,437. Key Takeaways In Indiana, State Farm is the best home and auto bundle insurance provider, offering an average discount of 25%.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 bundlingInsure.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 IndianaWe 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 Indiana.State FarmThe average bundle discount at State Farm is $887, or 25%. Before the bundle discount is added, the average cost of home and auto insurance is $3,481. After getting a bundle discount, the cost drops to $2,594. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.American FamilyThe average bundle discount at American Family is $619, or 18%. Without a bundle discount, customers pay $3,366 for coverage. After the bundle discount, customers pay $2,747 on average. American Family ranked at No. 9 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.NationwideBundling auto and home insurance with Nationwide can save an average of $677, or 18%. Without the discount, the coverage costs $3,822, but after the discount, it’s only $3,145.Auto-OwnersThe average bundle discount at Auto-Owners is $756, which is a 15% savings. The cost of home and auto insurance before the discount is $5,019, but it lowers to $4,263 after applying the discount.Farmers InsuranceFarmers Insurance offers an average bundle discount of $898, or 17%. The average rate for coverage before the discount is $5,155, and with the discount, it’s reduced to $4,257.Compare home and auto bundles in IndianaBundling your home and auto insurance in Indiana can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$2,594 4787.4A++25%78.82American Family$2,747 5085A18%69.2Nationwide$3,145 4286.6A18%67.58Auto-Owners$4,263 4981.2A++15%65.06Farmers Insurance$4,257 4382A17%63.77Allstate$3,417 3985A+13%62.69Travelers$8,084 4483.6A++10%52.82What company offers the cheapest home and auto bundle in Indiana?State Farm provides the largest discount on premiums for bundled insurance, while Indiana Farmers offers the lowest overall rate when you bundle.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleIndiana Farmers$1,435$1,271$2,706$2,437State Farm$2,333$1,148$3,481$2,594American Family$2,034$1,332$3,366$2,747Nationwide$2,513$1,309$3,822$3,145Allstate$1,134$2,816$3,950$3,417Indiana Farm Bureau Grp$3,486$2,064$5,550$4,013Farmers Insurance$3,454$1,701$5,155$4,257Auto-Owners$3,378$1,641$5,019$4,263Travelers$7,654$1,315$8,969$8,084Most and least expensive ZIP codes for home and auto insurance bundles in IndianaYour 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 Indiana.Most expensive ZIP codesThe most expensive ZIP code in Indiana for home and auto insurance bundling is 46403 at an average rate of $5,033. See the 10 most expensive ZIP codes below.ZIP codeAverage auto and home after discountAverage difference46403$5,03318%46407$4,96618%46402$4,93418%46409$4,91517%46408$4,89818%46404$4,88618%46406$4,84917%46282$4,52317%46201$4,32917%46208$4,31517%Least expensive ZIP codesThe most affordable ZIP code in Indiana for bundling home and auto insurance is 46530, with an average rate of $3,299. Below are the 10 least expensive ZIP codes.ZIP codeAverage auto and home after discountAverage difference46530$3,29917%46845$3,41417%46835$3,42317%46818$3,43517%46808$3,45917%46805$3,46017%46804$3,46817%46825$3,46817%46809$3,47717%46819$3,48017% Frequently asked questions about bundling home and auto insurance Is bundling home and auto insurance right for everyone in Indiana? Bundling your insurance policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.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 Indiana? Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage. MethodologyInsure.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. You might find interesting The best, cheapest car insurance in IndianaIndiana car insurance calculatorNon-owner auto insurance in Indiana: Which company has the cheapest rates?Cheapest SR-22 insurance in Indiana How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/YearCalifornia$2,866/YearColorado$3,605/YearDelaware$1,952/YearFlorida$3,408/YearGeorgia$3,022/YearIdaho$1,993/YearIllinois$2,678/YearIowa$2,564/YearKansas$3,865/YearKentucky$3,465/YearLouisiana$3,987/YearMaine$1,385/YearMaryland$2,935/YearMichigan$3,651/YearMinnesota$2,949/YearMississippi$3,255/YearMissouri$3,393/YearMontana$3,188/YearNebraska$4,496/YearNevada$2,442/YearNew Hampshire$1,615/YearNew York$3,450/YearNorth Carolina$1,823/YearNorth Dakota$3,244/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/YearRhode Island$1,739/YearSouth Carolina$2,766/YearSouth Dakota$3,482/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWashington, D.C.$2,506/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris KissellContributing 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. 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Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How we picked the best companies for home and auto bundlingOur recommendation for the best home and auto bundles in IndianaCompare home and auto bundles in IndianaWhat company offers the cheapest home and auto bundle in Indiana?Most and least expensive ZIP codes for home and auto insurance bundles in IndianaFrequently asked questions about bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330