Best and cheapest companies for home and auto bundles in Kentucky

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

Meanwhile, Nationwide offers the cheapest overall rate when you bundle with the company in Kentucky. On average, you will pay $3,465 when you bundle.

Key Takeaways

In Kentucky, 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 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 discount of $1,134 when you bundle your auto and home insurance, which is about 25%. Without the discount, the average cost is $4,599, but with the discount, the price drops to $3,465.

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 help you save, but the savings vary depending on the company. Let’s take a look at how much you can save with some of the top insurers.

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

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

Where you live can help to determine how big of a discount you will get for bundling coverage, and also the base rates from which that discount is taken. Here are the most and least expensive ZIP codes in Kentucky for policyholders who bundle their coverage:

Most expensive ZIP codes

The ZIP code 40210 in Kentucky has the highest average cost for bundling home and auto insurance, at $5,345. See the top 10 most expensive ZIP codes below.

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 bundling home and auto insurance

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

Bundling your insurance can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.

However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.

It’s also possible that a company has the right coverage for one type of insurance but not for the other.

Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.

“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 bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.

However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.

But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered.

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.