Best and cheapest companies for home and auto bundles in Kentucky

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

In Kentucky, 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%.

Nationwide provides the lowest bundled rate in Kentucky, with an average cost of $3,465 for combining your home and auto policies.

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

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 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

State Farm offers a 25% bundle discount, which amounts to an average savings of $1,214. The combined cost of home and auto insurance before the discount is $4,763, and after the discount, it drops to $3,549.

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

The average bundle discount at Auto-Owners is $464, or 11%. Without the bundle discount, the average cost of coverage is $4,165. After the bundle discount, that cost goes down to $3,701. Auto-Owners ranked at No. 2 in our Best Auto Insurance Companies ranking and No. 3 in the Best Home Insurance Companies ranking.

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

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What company offers the cheapest home and auto bundle in Kentucky?

State Farm provides the largest discount on premiums for bundled insurance, while Nationwide offers the lowest overall rate when 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

Your 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 Kentucky.

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 most affordable ZIP code in Kentucky for bundling home and auto insurance is 40514, with an average rate of $3,538. Below are the 10 least expensive 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.

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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.