Best and cheapest companies for home and auto bundles in Kentucky

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Bundling home and auto insurance in Kentucky can save you money, but the best deal depends on whether you prioritize the biggest discount or the lowest overall premium. On average, State Farm offers the highest percentage savings, while State Farm delivers the cheapest bundled rates.

Insurance companies vary widely in how they price bundles, so comparing multiple providers is key. The right choice depends on your home value, driving profile and where you live within Kentucky.

What you need to know about bundling in Kentucky

What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.
State Farm offers the largest bundle discount in Kentucky, saving about 25%.
The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.
Your ZIP code within Kentucky 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 Kentucky? Here’s our pick

Cincinnati Insurance, State Farm and Auto-Owners are among the best home and auto bundle companies in Kentucky, offering strong discounts, competitive bundled rates and high rankings for both auto and home insurance. The right choice for you will depend on whether you prioritize the biggest discount or the lowest final premium.

We ranked companies based on the average bundle discount they offer in both dollar and percentage terms, along with their performance in auto and home insurance rankings. Based on those criteria, these are the best companies for bundling in Kentucky:

Cincinnati Insurance

The average bundle discount at Cincinnati Insurance is $576, or 11%. Cincinnati Insurance offers bundling across its home and auto policies, making it straightforward for most policyholders to qualify. Before the bundle discount is applied, the average combined cost of home and auto insurance sits at $5,449.

State Farm

The average bundle discount at State Farm is $1,440, or 25%. For policyholders who carry both home and auto with State Farm, the bundle discount applies without requiring any changes to existing coverage. Before the discount, customers pay $5,759 for coverage.

Auto-Owners

The average bundle discount at Auto-Owners is $761, or 11%. Bundling with Auto-Owners also consolidates your policies under one renewal date and one point of contact for claims. Without the bundle discount, the average cost of coverage is $6,727.

Progressive

The average bundle discount at Progressive is $605, or 9%. Without the bundle discount, the average rate for home and auto is $6,910.

Kentucky Farm Bureau

The average bundle discount at Kentucky Farm Bureau is $1,645, or 17%. Without the bundle discount, the average rate for home and auto is $9,818.

People also ask:

Who has the cheapest home and auto bundle in Kentucky?

State Farm typically provides the most affordable home and auto bundle in Kentucky, with average premiums around $4,319.

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

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 Kentucky?

Home and auto bundle rates in Kentucky can vary widely by insurer. Some companies offer lower starting premiums, while others provide larger discounts, and the difference between providers can be significant. Comparing both the final cost and the discount is essential to finding the best deal.

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

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Cincinnati Insurance	A+	A+	$2,626	$2,823	0.32	0.12	$4,873	4.63
State Farm	A+	A+	$2,973	$2,786	0.87	1.15	$4,319	4.29
Auto-Owners	A+	A+	$2,381	$4,346	0.44	0.39	$5,966	4.10
Progressive	A+	A+	$3,449	$3,461	0.60	1.50	$6,305	3.56
Kentucky Farm Bureau	A-	A-	$2,686	$7,132	0.16	0.32	$8,173	3.24
Grange Insurance	A	A	$3,041	$5,854	1.26	1.14	$7,301	2.96

Bundle savings can vary more than you expect

Two companies can offer similar discounts but very different final premiums depending on their base rates. Always request the combined annual total for both policies after discounts – not just the discount percentage – before deciding where to bundle. The insurer with the loudest bundle offer isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in Kentucky?

State Farm is the most affordable option for home and auto bundles in Kentucky, based on total premium. On the other hand, State Farm 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 Kentucky:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$2,786	$2,973	$5,759	$4,319
Cincinnati Insurance	$2,823	$2,626	$5,449	$4,873
Auto-Owners	$4,346	$2,381	$6,727	$5,966
Progressive	$3,461	$3,449	$6,910	$6,305
Grange Insurance	$5,854	$3,041	$8,895	$7,301
Kentucky Farm Bureau	$7,132	$2,686	$9,818	$8,173

Cheapest doesn’t always mean best value

Cheaper premiums can sometimes come with higher deductibles, lower coverage limits or exclusions that leave you financially exposed when you 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 alone, review three key elements: your liability limits, deductible amounts and what’s excluded from the policy. A policy that saves you a few hundred dollars per year but increases your out-of-pocket costs significantly isn’t a better deal – it’s a bigger risk.

Which ZIP codes are most and least expensive in Kentucky?

The most expensive ZIP code for home and auto bundles in Kentucky is 40210, with average rates of $7,104, while the cheapest is 40514, where average premiums drop to $4,279. 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 Kentucky for home and auto insurance bundling is 40210 at an average rate of $7,104.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
40210	$7,104	$1,236	15%
40211	$7,035	$1,203	15%
40212	$7,032	$1,200	15%
40203	$6,900	$1,201	15%
40215	$6,877	$1,200	15%
40208	$6,750	$1,187	15%
40902	$6,713	$1,260	16%
40293	$6,671	$1,189	15%
40209	$6,619	$1,182	15%
42071	$6,615	$1,211	15%

Top ten cheapest ZIP codes

The least expensive ZIP code in Kentucky for home and auto insurance bundling is 40514 at an average rate of $4,279.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
40514	$4,279	$755	15%
40513	$4,337	$765	15%
40503	$4,352	$767	15%
40502	$4,361	$773	15%
40517	$4,366	$766	15%
40515	$4,384	$771	15%
40509	$4,390	$774	15%
40504	$4,416	$774	15%
40511	$4,509	$787	15%
40505	$4,511	$785	15%

Your ZIP code can impact your rate more than your insurer

Location-based risks like weather, crime rates, and rebuilding costs can cause major price differences even within the same city – not just the same state. Two neighbors half a mile apart in different ZIP codes can pay meaningfully different premiums for identical coverage.

Before assuming a rate you’ve been quoted is standard, check whether your specific ZIP code is driving it up – and if you’re moving, get insurance quotes for your new address before you sign a lease or close on a home, since the difference can be significant.

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 Kentucky by city

See rates in your city

Bowling Green

Covington

Owensboro

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 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 6 companies and 80 ZIP codes in our analysis.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Kentucky can help reduce costs and simplify policy management, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and unbundled quotes. Coverage can also differ between companies, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in Kentucky?

Switching to a bundle is straightforward. Many people make the change when one of their policies is up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your old one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

When bundling home and auto insurance, review the total premium, coverage details, and the insurer’s reliability. It’s also important to choose a licensed company with strong claims support, since lower prices may come with trade-offs (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. September 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 Kentucky? Here's our pick
How do home and auto bundle rates compare in Kentucky?
What is the cheapest home and auto bundles in Kentucky?
Which ZIP codes are most and least expensive in Kentucky?
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 Kentucky