Best and cheapest companies for home and auto bundles in Kentucky

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 Kentucky 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 Kentucky 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, Nationwide provides the lowest overall rate for bundling in Kentucky. When you bundle your policies, you can expect to pay an average of $3,465.

Key Takeaways

In Kentucky, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 25%.
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

In 2024, we analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre and post bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Kentucky

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 Kentucky.

State Farm

The average bundle discount at State Farm is $1,214, or 25%. Before the bundle discount is added, the average cost of home and auto insurance is $4,763. After getting a bundle discount, the cost drops to $3,549. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

Nationwide

Nationwide offers an average bundle discount of $1,134, or 25%. Before the bundle discount, you’ll pay an average of $4,599, which will decrease to $3,465 after the discount is applied.

Auto-Owners

Bundling auto and home insurance with Auto-Owners can save an average of $464, or 11%. Without the discount, the coverage costs $4,165, but after the discount, it’s only $3,701.

Compare home and auto bundles in Kentucky

Bundling your home and auto insurance in Kentucky 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	$3,549	47	87.4	A++	25%	81.78
Nationwide	$3,465	42	86.6	A	25%	78.62
Auto-Owners	$3,701	49	81.2	A++	11%	64.05

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 Kentucky?

State Farm offers the biggest percentage discount if you bundle. Nationwide offers the cheapest rate overall if you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Nationwide	$2,706	$1,893	$4,599	$3,465
State Farm	$2,603	$2,160	$4,763	$3,549
Cincinnati Insurance	$2,039	$2,063	$4,102	$3,628
Auto-Owners	$2,162	$2,003	$4,165	$3,701
Grange Mutual	$2,858	$1,858	$4,716	$4,236
Kentucky Farm Bureau	$5,675	$2,625	$8,300	$6,948

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

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 Kentucky for bundling insurance.

Most expensive ZIP codes

The most expensive ZIP code in Kentucky for bundling home and auto insurance is 40210, with an average cost of $5,345. Here are the 10 most expensive ZIP codes:

ZIP code	Average auto and home after discount	Average difference
40210	$5,345	16%
42459	$5,318	17%
40211	$5,280	16%
40212	$5,263	16%
40203	$5,249	16%
40215	$5,233	16%
40208	$5,167	16%
40202	$4,959	16%
40214	$4,933	16%
40292	$4,911	16%

Least expensive ZIP codes

The least expensive ZIP code in Kentucky for bundling home and auto insurance is 40514, with an average cost of $3,538. Here are the 10 cheapest ZIP codes:

ZIP code	Average auto and home after discount	Average difference
40514	$3,538	16%
40503	$3,556	16%
40509	$3,572	17%
40513	$3,579	16%
40502	$3,601	16%
40515	$3,614	16%
40517	$3,629	16%
40504	$3,634	17%
40383	$3,638	16%
40505	$3,655	17%

Frequently asked questions about home and auto bundle insurance

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

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 Kentucky?

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

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.