Best and cheapest companies for home and auto bundles in Indiana

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Bundling home and auto insurance in Indiana can help reduce your overall costs, but the best option depends on whether you’re focused on maximizing your discount or minimizing your final premium. On average, Farmers provides the highest percentage savings, while Indiana Farmers Insurance offers the most affordable bundled rates.

Insurance companies price bundles differently, so comparing multiple providers is essential. The right choice depends on your home value, driving profile and where you live within Indiana.

What you need to know about bundling in Indiana

What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.
Farmers offers the largest bundle discount in Indiana, saving about 21%.
The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.
Your ZIP code within Indiana can significantly affect how much you save.
Bundling is often cheaper and more convenient, but it’s not always the best overall value.

Which companies offer the best home and auto bundles in Indiana? Here’s our pick

Indiana Farmers Insurance, State Farm and Travelers rank among the best home and auto bundle companies in Indiana, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in Indiana:

Indiana Farmers Insurance

The average bundle discount at Indiana Farmers Insurance is $411, or 10%. Indiana Farmers Insurance makes bundling home and auto policies available to most customers, with a relatively simple qualification process. The average combined rate before the discount is $4,118.

State Farm

The average bundle discount at State Farm is $1,043, or 21%. Customers who bundle home and auto with State Farm receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $4,967.

Travelers

The average bundle discount at Travelers is $417, or 8%. Policyholders who bundle with Travelers manage both policies together, with one renewal date and a single team handling any claims. Without the bundle discount, the average rate for home and auto is $4,970.

Farmers

The average bundle discount at Farmers is $1,238, or 21%. Before the discount, the average cost of home and auto insurance is $5,893.

Auto-Owners

The average bundle discount at Auto-Owners is $964, or 14%. Before the discount, customers see average rates of $6,789.

People also ask:

Who has the cheapest home and auto bundle in Indiana?

Indiana Farmers Insurance typically provides the most affordable home and auto bundle in Indiana, with average premiums around $3,707.

How much can you save by bundling home and auto insurance in Indiana?

Drivers who bundle home and auto insurance can save around 17% on average, depending on the insurer and their individual profile.

How do home and auto bundle rates compare in Indiana?

Home and auto bundle rates in Indiana can vary significantly by insurer. Some companies offer lower base premiums, while others provide larger discounts, and the difference between providers can be substantial. Comparing both the final price and the discount is key to finding the best deal.

Here’s how rates and savings compare across top insurers in Indiana:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Indiana Farmers Insurance	A-	A-	$2,068	$2,050	0.22	0.19	$3,707	4.70
State Farm	A+	A+	$2,581	$2,386	0.87	1.15	$3,924	4.04
Travelers	A++	A++	$1,398	$3,572	0.63	0.91	$4,553	3.94
Farmers	A	A	$2,773	$3,120	1.24	0.89	$4,655	3.42
Auto-Owners	A+	A+	$2,272	$4,517	0.44	0.39	$5,825	3.31

Bundle savings can vary more than you expect

Two insurers may offer similar discounts but still produce very different final premiums depending on their base pricing. Always ask for the combined annual total for both policies after discounts are applied – not just the percentage savings – before deciding. The company with the biggest advertised discount isn’t always the one with the lowest final cost.

What is the cheapest home and auto bundles in Indiana?

Indiana Farmers Insurance is the most affordable option for home and auto bundles in Indiana, based on total premium. On the other hand, Farmers is a better choice if you’re looking for the largest discount rather than the lowest base price.

A discount reduces the base price of your policy, while total savings refers to the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest final price or the biggest discount off your premium.

Here’s how the cheapest bundle options compare in Indiana:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Indiana Farmers Insurance	$2,050	$2,068	$4,118	$3,707
State Farm	$2,386	$2,581	$4,967	$3,924
Travelers	$3,572	$1,398	$4,970	$4,553
Farmers	$3,120	$2,773	$5,893	$4,655
Auto-Owners	$4,517	$2,272	$6,789	$5,825

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or excluded protections that leave you exposed when you actually need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price, check three things: the liability limits, the deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t a better deal – it’s a more expensive one the moment you need to use it.

Which ZIP codes are most and least expensive in Indiana?

The most expensive ZIP code for home and auto bundles in Indiana is 46407, with average rates of $5,573, while the cheapest is 46530, where average premiums drop to $3,820. Rates can vary significantly across locations due to differences in risk, property values and local claims data.

Where you live plays a major role in how much you pay for bundled insurance, as both base premiums and available discounts vary by ZIP code.

Top ten most expensive ZIP codes

The most expensive ZIP code in Indiana for home and auto insurance bundling is 46407 at an average rate of $5,573.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
46407	$5,573	$861	13%
46402	$5,555	$848	13%
46403	$5,512	$843	13%
46409	$5,473	$838	13%
46404	$5,382	$829	13%
46406	$5,251	$807	13%
46408	$5,230	$804	13%
46218	$5,135	$775	13%
46201	$5,100	$756	13%
46203	$5,058	$758	13%

Top ten cheapest ZIP codes

The least expensive ZIP code in Indiana for home and auto insurance bundling is 46530 at an average rate of $3,820.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
46530	$3,820	$585	13%
46835	$3,890	$595	13%
46804	$3,910	$597	13%
46845	$3,932	$597	13%
46818	$3,949	$600	13%
46825	$3,949	$606	13%
46814	$3,957	$603	13%
46808	$3,962	$607	13%
46815	$3,970	$606	13%
46809	$4,004	$609	13%

Location can impact your premium more than you might expect

Local risk factors such as weather exposure, crime rates and rebuilding costs can create significant price differences even within the same city. Two homes located close to each other but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is typical, check whether your ZIP code is driving it higher – and if you’re planning to move, compare insurance rates for your new address before finalizing your decision.

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Indiana by city

See rates in your city

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 across all 50 states and Washington, D.C. Bundle discount percentages were also reviewed based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 5 companies and 111 ZIP codes.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Indiana can save money and make managing your policies easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s worth comparing both options.

Coverage can also vary between insurers, so make sure both policies meet your needs before bundling. Bundling is convenient, but not always the best deal. Comparing bundled and separate quotes is the best way to make sure you’re actually saving money.

“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?

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, compare total costs, coverage details, and the insurer’s reputation. Make sure the company is licensed and offers reliable claims support, as the cheapest option may not provide the best overall value (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. June 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$2,297/Year

Show more states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

Which companies offer the best home and auto bundles in Indiana? Here's our pick
How do home and auto bundle rates compare in Indiana?
What is the cheapest home and auto bundles in Indiana?
Which ZIP codes are most and least expensive in Indiana?
How we picked the best companies for home and auto bundling
Frequently asked questions about home and auto bundle insurance
Resources & Methodology

Best and cheapest companies for home and auto bundles in Indiana