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 Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. | Updated on: December 26, 2024 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. 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 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 bundlingIn 2024, we analyzed home and auto insurance rates provided by Quadrant Data Services, focusing on the average bundling discounts each company offers. We calculated both pre- and post-bundling insurance costs based on these average discount rates to provide a clear view of potential savings. Our analysis encompassed data from 48 insurance companies across 4,686 ZIP codes, delivering a comprehensive look at bundling benefits nationwide.Our recommendation for the best home and auto bundles in KentuckyWe assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in Kentucky for home and auto bundling.State FarmState 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.NationwideNationwide 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-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 KentuckyBundling 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.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?If you bundle your policies, State Farm gives you the highest discount. Nationwide has the lowest overall rate for bundling.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 KentuckyThe ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in Kentucky for bundling insurance.Most expensive ZIP codesThe 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 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 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 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 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. 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 KentuckyCheapest car insurance in KentuckyKentucky car insurance calculatorNon-owner car insurance in Kentucky: Which company has the cheapest rates?Cheapest SR-22 insurance in Kentucky 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 . .Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. 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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 bundling home and auto insuranceMethodology ZIP Code Please enter valid ZIP See rates