Home Home insurance Best home and auto bundle insurance Best and cheapest companies for home and auto bundles in Kentucky Best and cheapest companies for home and auto bundles in Kentucky State Farm has the biggest auto and home bundling discount in Kentucky at an average of 25%, while Nationwide has the cheapest overall bundled rate at an average of $3,465 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell 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. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance. | Updated on: July 9, 2025 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 best home and auto bundle insurance provider, offering an average discount of 25%.Some companies offer bigger savings for bundling than others, so it pays to shop around.Where you live within the state will impact how much you can save by bundling.Bundling usually makes sense, but there are situations where this might not be the case. How we picked the best companies for home and auto bundlingInsure.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 KentuckyWe 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 FarmState Farm offers an average bundle discount of $1,214, which is a 25% savings on your premiums. Before the discount, the combined home and auto insurance cost is $4,763, and after applying the bundle discount, the total cost drops to $3,549.NationwideNationwide 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-OwnersBundling 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 KentuckyThe amount you can save on home and auto insurance with a bundle in Kentucky varies by company. Here is a breakdown of the rates and savings with top companies.CompanyPremium after BundleAuto and home bundling (Survey)Home surveyA.M. Best Score% DifferenceOverall RatingState Farm$3,549 4787.4A++25%81.78Nationwide$3,465 4286.6A25%78.62Auto-Owners$3,701 4981.2A++11%64.05What 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.CompanyHome insurance premiumAuto insurance premiumPremium before BundlePremium after BundleNationwide$2,706$1,893$4,599$3,465State Farm$2,603$2,160$4,763$3,549Cincinnati Insurance$2,039$2,063$4,102$3,628Auto-Owners$2,162$2,003$4,165$3,701Grange Mutual$2,858$1,858$4,716$4,236Kentucky Farm Bureau$5,675$2,625$8,300$6,948Most and least expensive ZIP codes for home and auto insurance bundles in KentuckyYour 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 codesThe 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 codeAverage auto and home after discountAverage difference40210$5,34516%42459$5,31817%40211$5,28016%40212$5,26316%40203$5,24916%40215$5,23316%40208$5,16716%40202$4,95916%40214$4,93316%40292$4,91116%Least expensive ZIP codesThe 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 codeAverage auto and home after discountAverage difference40514$3,53816%40503$3,55616%40509$3,57217%40513$3,57916%40502$3,60116%40515$3,61416%40517$3,62916%40504$3,63417%40383$3,63816%40505$3,65517% 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. MethodologyInsure.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 The best, cheapest car insurance in KentuckyKentucky car insurance calculatorNon-owner car insurance in Kentucky: Which company has the cheapest rates? How much is home and auto bundle insurance in other statesAlabama$2,543/YearArizona$2,478/YearArkansas$3,119/YearCalifornia$2,866/YearColorado$3,605/YearDelaware$1,952/YearFlorida$3,408/YearGeorgia$3,022/YearIdaho$1,993/YearIllinois$2,678/YearIndiana$2,437/YearIowa$2,564/YearKansas$3,865/YearLouisiana$3,987/YearMaine$1,385/YearMaryland$2,935/YearMichigan$3,651/YearMinnesota$2,949/YearMississippi$3,255/YearMissouri$3,393/YearMontana$3,188/YearNebraska$4,496/YearNevada$2,442/YearNew Hampshire$1,615/YearNew York$3,450/YearNorth Carolina$1,823/YearNorth Dakota$3,244/YearOhio$2,229/YearOklahoma$4,641/YearOregon$1,701/YearPennsylvania$2,589/YearRhode Island$1,739/YearSouth Carolina$2,766/YearSouth Dakota$3,482/YearTennessee$2,843/YearUtah$1,972/YearVermont$1,553/YearVirginia$1,995/YearWashington$1,762/YearWashington, D.C.$2,506/YearWest Virginia$2,361/YearWisconsin$2,083/YearWyoming$2,619/YearShow moreChris KissellContributing 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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? How much used car insurance costs: Most and least expensive models to insure The best car insurance for people with bad credit in 2025 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How we picked the best companies for home and auto bundlingOur recommendation for the best home and auto bundles in KentuckyCompare home and auto bundles in KentuckyWhat company offers the cheapest home and auto bundles in Kentucky?Most and least expensive ZIP codes for home and auto insurance bundles in KentuckyFrequently asked questions about home and auto bundle insuranceMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330