Best and cheapest companies for home and auto bundles in Indiana

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

In Indiana, 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 25%.

Indiana Farmers provides the lowest bundled rate in Indiana, with an average cost of $2,437 for combining your home and auto policies.

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

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 Indiana

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 Indiana for home and auto bundling.

State Farm

State Farm offers a 25% bundle discount, which amounts to an average savings of $887. The combined cost of home and auto insurance before the discount is $3,481, and after the discount, it 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

Bundling 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-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

The average bundle discount at Farmers Insurance is $898, or 17%. Before getting a bundle discount, customers see average rates of $5,155 for coverage. With the bundle discount, customers see average rates of $4,257. Farmers Insurance ranked at No. 12 in our Best Auto Insurance Companies ranking and No. 8 in the Best Home Insurance Companies ranking.

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

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 bundling home and auto insurance is 46530, with an average cost of $3,299. Here are the 10 cheapest ZIP codes:

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

How much is home and auto bundle insurance in other states

Alabama$2,543/Year

Arizona$2,478/Year

Arkansas$3,119/Year

California$2,866/Year

Colorado$3,605/Year

Delaware$1,952/Year

Florida$3,408/Year

Georgia$3,022/Year

Idaho$1,993/Year

Illinois$2,678/Year

Iowa$2,564/Year

Kansas$3,865/Year

Kentucky$3,465/Year

Louisiana$3,987/Year

Maine$1,385/Year

Maryland$2,935/Year

Michigan$3,651/Year

Minnesota$2,949/Year

Mississippi$3,255/Year

Missouri$3,393/Year

Montana$3,188/Year

Nebraska$4,496/Year

Nevada$2,442/Year

New Hampshire$1,615/Year

New York$3,450/Year

North Carolina$1,823/Year

North Dakota$3,244/Year

Ohio$2,229/Year

Oklahoma$4,641/Year

Oregon$1,701/Year

Pennsylvania$2,589/Year

Rhode Island$1,739/Year

South Carolina$2,766/Year

South Dakota$3,482/Year

Tennessee$2,843/Year

Utah$1,972/Year

Vermont$1,553/Year

Virginia$1,995/Year

Washington$1,762/Year

Washington, D.C.$2,506/Year

West Virginia$2,361/Year

Wisconsin$2,083/Year

Wyoming$2,619/Year

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.

On this page

How we picked the best companies for home and auto bundling
Our recommendation for the best home and auto bundles in Indiana
Compare home and auto bundles in Indiana
What company offers the cheapest home and auto bundles in Indiana?
Most and least expensive ZIP codes for home and auto insurance bundles in Indiana
Frequently asked questions about home and auto bundle insurance
Methodology