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

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

Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best 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

Auto-Owners offers an average discount of $464 when you bundle your auto and home insurance, which is about 11%. Without the discount, the average cost is $4,165, but with the discount, it drops to $3,701.

Compare home and auto bundles in Kentucky

The 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.

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 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

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 most expensive ZIP code in Kentucky for home and auto insurance bundling is 40210 at an average rate of $5,345. See the 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 home and auto insurance bundling is 40514 at an average rate of $3,538. See the 10 least expensive ZIP codes below.

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 policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.

While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.

Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.

Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.

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?

Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.

You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.

Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.

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.