Best and cheapest companies for home and auto bundles in Louisiana

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Bundling home and auto insurance in Louisiana can help reduce your overall costs, but the best option depends on whether you’re focused on maximizing your discount or minimizing your final premium. On average, State Farm provides the highest percentage savings, while State Farm offers the most affordable bundled rates.

Insurance companies price bundles differently, so comparing multiple providers is essential. The right choice depends on your home value, driving profile and where you live within Louisiana.

What you need to know about bundling in Louisiana

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 Louisiana, saving about 18%.
The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.
Your ZIP code within Louisiana 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 Louisiana? Here’s our pick

State Farm, Farmers and NA rank among the best home and auto bundle companies in Louisiana, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in Louisiana:

State Farm

The average bundle discount at State Farm is $1,160, or 18%. Most State Farm policyholders can bundle home and auto under a single account, making the discount easy to access. Without the bundle discount, the average rate for home and auto is $6,604.

Farmers

The average bundle discount at Farmers is $967, or 14%. For Farmers customers with both home and auto policies, the bundle discount is applied to current coverage without needing to modify existing plans. Without the bundle discount, the average rate for home and auto is $7,059.

People also ask:

Who has the cheapest home and auto bundle in Louisiana?

State Farm typically provides the most affordable home and auto bundle in Louisiana, with average premiums around $5,444.

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

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 Louisiana?

Home and auto bundle rates in Louisiana vary widely by company, with some insurers offering significantly lower premiums or larger discounts than others. The difference between providers can be substantial, making it important to compare both the final bundled price and the discount offered.

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

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
State Farm	A+	A+	$5,517	$1,087	0.87	1.15	$5,444	4.46
Farmers	A	A	$5,317	$1,742	1.24	0.89	$6,092	2.96

Bundle savings can vary more than you expect

Two insurers may offer similar discounts but still produce very different final premiums depending on their base pricing. Always ask for the combined annual total for both policies after discounts are applied – not just the percentage savings – before deciding. The company with the biggest advertised discount isn’t always the one with the lowest final cost.

What is the cheapest home and auto bundles in Louisiana?

State Farm offers the cheapest home and auto bundle in Louisiana, with the lowest overall premium. If you’re looking to maximize savings through discounts, State Farm provides the highest percentage reduction.

A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest total cost or the largest discount.

Here’s how the cheapest bundle options compare in Louisiana:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$1,087	$5,517	$6,604	$5,444
Farmers	$1,742	$5,317	$7,059	$6,092

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or exclusions that leave you exposed when you need to 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 factors: liability limits, deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t actually a better deal – it becomes more expensive the moment you need to use it.

Which ZIP codes are most and least expensive in Louisiana?

The most expensive ZIP code for bundled home and auto insurance in Louisiana is 70117, with average rates of $7,865, while the least expensive is 71272, where premiums drop to $3,921. Rates vary based on local risks, property values and claims trends.

Where you live plays a major role in how much you pay, influencing both base premiums and available discounts.

Top ten most expensive ZIP codes

The most expensive ZIP code in Louisiana for home and auto insurance bundling is 70117 at an average rate of $7,865.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
70117	$7,865	$894	10%
70126	$7,775	$902	10%
70127	$7,758	$909	10%
70145	$7,681	$842	10%
70146	$7,681	$842	10%
70128	$7,633	$897	11%
70122	$7,582	$866	10%
70116	$7,543	$860	10%
70148	$7,491	$816	10%
70119	$7,474	$843	10%

Top ten cheapest ZIP codes

The least expensive ZIP code in Louisiana for home and auto insurance bundling is 71272 at an average rate of $3,921.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
71272	$3,921	$526	12%
71270	$3,930	$523	12%
71342	$4,084	$549	12%
71295	$4,125	$563	12%
71404	$4,131	$550	12%
71237	$4,132	$553	12%
71473	$4,145	$547	12%
71105	$4,159	$541	12%
71457	$4,159	$559	12%
71115	$4,163	$550	12%

Your ZIP code can impact your rate more than your insurer

Location-based risks such as weather patterns, crime rates and rebuilding costs can create major price differences even within the same city. Two homes located less than a mile apart but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is standard, check whether your ZIP code is driving it up – and if you’re planning a move, get insurance quotes for your new address before committing.

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 Louisiana by city

See rates in your city

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 across all 50 states and Washington, D.C. Bundle discount percentages were also reviewed based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 2 companies and 94 ZIP codes.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Louisiana can save money and make managing your policies easier, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s worth comparing both options.

Coverage can also vary between insurers, so make sure both policies meet your needs before bundling. Bundling is convenient, but not always the best deal. Comparing bundled and separate quotes is the best way to make sure you’re actually saving money.

“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 Louisiana?

What should you check before bundling home and auto insurance?

Before bundling home and auto insurance, compare total costs, coverage details, and the insurer’s reputation. Make sure the company is licensed and offers reliable claims support, as the cheapest option may not provide the best overall value (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. May 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.