Best and cheapest companies for home and auto bundles in Louisiana

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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 Louisiana 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 Louisiana when you bundle your policies. By choosing this insurer, you can save an average of 23% on your home and auto bundle.

On the other hand, State Farm provides the lowest overall rate for bundling in Louisiana. When you bundle your policies, you can expect to pay an average of $3,987.

Key Takeaways

In Louisiana, State Farm offers the biggest average discount of 23% 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 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 Louisiana

We 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 Louisiana for home and auto bundling.

State Farm

The average bundle discount at State Farm is $1,223, or 23%. Before the bundle discount is added, the average cost of home and auto insurance is $5,210. After getting a bundle discount, the cost drops to $3,987. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

Progressive

Progressive offers an average bundle discount of $454, or 9%. Before the bundle discount, you’ll pay an average of $4,818, which will decrease to $4,364 after the discount is applied.

Allstate

Allstate offers an average discount of $433 when you bundle your auto and home insurance, which is about 9%. Without the discount, the average cost is $4,852, but with the discount, it drops to $4,419.

Compare home and auto bundles in Louisiana

Bundling your home and auto insurance in Louisiana 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.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$3,987	47	87.4	A++	23%	82.03
Progressive	$4,364	48	86.6	A+	9%	56.29
Allstate	$4,419	39	85	A+	9%	53.29

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What company offers the cheapest home and auto bundles in Louisiana?

If you bundle your policies, State Farm gives you the highest discount. State Farm has the lowest overall rate for bundling.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$2,203	$3,007	$5,210	$3,987
Progressive	$1,403	$3,415	$4,818	$4,364
Allstate	$1,357	$3,495	$4,852	$4,419
USAA*	$3,612	$1,926	$5,538	$5,144

*USAA is only available to military community members and their families.

Most and least expensive ZIP codes for home and auto insurance bundles in Louisiana

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 Louisiana for policyholders who bundle their coverage:

Most expensive ZIP codes

The ZIP code 70127 in Louisiana has the highest average cost for bundling home and auto insurance, at $6,913. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
70127	$6,913	11%
70126	$6,900	11%
70128	$6,855	11%
70129	$6,772	12%
70122	$6,663	11%
70117	$6,107	11%
70116	$5,966	11%
70113	$5,929	11%
70119	$5,918	11%
70112	$5,886	11%

Least expensive ZIP codes

The least expensive ZIP code in Louisiana for bundling home and auto insurance is 71446, with an average cost of $3,683. Here are the 10 cheapest ZIP codes:

ZIP code	Average auto and home after discount	Average difference
71446	$3,683	13%
71270	$3,684	13%
71105	$3,696	13%
71272	$3,701	13%
71115	$3,710	13%
70503	$3,724	12%
70507	$3,760	12%
70508	$3,767	12%
71104	$3,776	13%
70506	$3,783	12%

Frequently asked questions about bundling home and auto insurance

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

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 Louisiana?

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.