Best and cheapest companies for home and auto bundles in Indiana

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 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 Indiana 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 Indiana when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 25%.

Meanwhile, Indiana Farmers offers the cheapest overall rate when you bundle with the company in Indiana. On average, you will pay $2,437 when you bundle.

Key Takeaways

In Indiana, State Farm offers the biggest average discount of 25% 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

In 2024, we conducted an analysis of home and auto insurance rates across all 50 states and Washington, D.C. using data from Quadrant Data Services. We examined the average bundling discounts offered by various insurance companies, calculating both pre and post bundling rates based on these discounts. Our analysis covered 48 insurance companies and data from 4,686 ZIP codes, providing a comprehensive view of bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Indiana

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 Indiana.

State Farm

State Farm offers an average bundle discount of $887, which is a 25% savings on your premiums. Before the discount, the combined home and auto insurance cost is $3,481, and after applying the bundle discount, the total cost drops to $2,594.

American Family

The 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.

Nationwide

Nationwide offers an average discount of $677 when you bundle your auto and home insurance, which is about 18%. Without the discount, the average cost is $3,822, but with the discount, it drops to $3,145.

Auto-Owners

The average bundle discount at Auto-Owners is $756, or 15%. Before the discount is added, the average cost of home and auto insurance is $5,019. After adding the bundle discount, the average cost is $4,263. Auto-Owners ranked at No. 2 in our Best Auto Insurance Companies ranking and at No. 3 in the Best Home Insurance Companies ranking.

Farmers Insurance

Farmers Insurance provides an average bundle discount of $898, or 17%. Before the discount, the average cost for coverage is $5,155. After applying the discount, the cost comes down to $4,257.

Compare home and auto bundles in Indiana

Bundling 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.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$2,594	47	87.4	A++	25%	78.82
American Family	$2,747	50	85	A	18%	69.2
Nationwide	$3,145	42	86.6	A	18%	67.58
Auto-Owners	$4,263	49	81.2	A++	15%	65.06
Farmers Insurance	$4,257	43	82	A	17%	63.77
Allstate	$3,417	39	85	A+	13%	62.69
Travelers	$8,084	44	83.6	A++	10%	52.82

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

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

If you bundle your policies, State Farm gives you the highest discount. Indiana Farmers has the lowest overall rate for bundling.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Indiana Farmers	$1,435	$1,271	$2,706	$2,437
State Farm	$2,333	$1,148	$3,481	$2,594
American Family	$2,034	$1,332	$3,366	$2,747
Nationwide	$2,513	$1,309	$3,822	$3,145
Allstate	$1,134	$2,816	$3,950	$3,417
Indiana Farm Bureau Grp	$3,486	$2,064	$5,550	$4,013
Farmers Insurance	$3,454	$1,701	$5,155	$4,257
Auto-Owners	$3,378	$1,641	$5,019	$4,263
Travelers	$7,654	$1,315	$8,969	$8,084

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

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 Indiana for bundling insurance.

Most expensive ZIP codes

The most expensive ZIP code in Indiana for bundling home and auto insurance is 46403, with an average cost of $5,033. Here are the 10 most expensive ZIP codes:

ZIP code	Average auto and home after discount	Average difference
46403	$5,033	18%
46407	$4,966	18%
46402	$4,934	18%
46409	$4,915	17%
46408	$4,898	18%
46404	$4,886	18%
46406	$4,849	17%
46282	$4,523	17%
46201	$4,329	17%
46208	$4,315	17%

Least expensive ZIP codes

The least expensive ZIP code in Indiana for home and auto insurance bundling is 46530 at an average rate of $3,299. See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
46530	$3,299	17%
46845	$3,414	17%
46835	$3,423	17%
46818	$3,435	17%
46808	$3,459	17%
46805	$3,460	17%
46804	$3,468	17%
46825	$3,468	17%
46809	$3,477	17%
46819	$3,480	17%

Frequently asked questions about home and auto bundle insurance

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

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 Indiana?

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.

You might find interesting

Explore related topics

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.