Best and cheapest companies for home and auto bundles in Massachusetts

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Bundling home and auto insurance in Massachusetts 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, Vermont Mutual provides the highest percentage savings, while Safety Insurance 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 Massachusetts.

What you need to know about bundling in Massachusetts

What is bundling? Bundling involves combining multiple insurance policies, such as home and auto, with the same insurer to qualify for a discount.
Vermont Mutual offers the largest bundle discount in Massachusetts, saving about 38%.
The lowest-priced bundle isn’t always tied to the highest discount – final premiums vary by insurer.
Your ZIP code within Massachusetts 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 Massachusetts? Here’s our pick

Safety Insurance, Vermont Mutual and Arbella Insurance stand out as top home and auto bundle companies in Massachusetts, offering competitive pricing, solid discounts and strong performance in both auto and home insurance rankings. The best option for you depends on whether you prioritize maximum savings or the lowest overall cost.

We ranked insurers based on their average bundle discounts in both dollar and percentage terms, along with their rankings in home and auto insurance. Based on those criteria, these are the best bundling companies in Massachusetts:

Safety Insurance

The average bundle discount at Safety Insurance is $759, or 18%. Most Safety Insurance 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 $4,107.

Vermont Mutual

The average bundle discount at Vermont Mutual is $2,228, or 38%. For Vermont Mutual 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 $5,832.

Arbella Insurance

The average bundle discount at Arbella Insurance is $695, or 15%. Bundling with Arbella Insurance 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 $4,702.

Travelers

The average bundle discount at Travelers is $543, or 12%. Without the bundle discount, the average rate for home and auto is $4,605.

Amica

The average bundle discount at Amica is $407, or 9%. Before the discount, customers see average rates of $4,776.

People also ask:

Who has the cheapest home and auto bundle in Massachusetts?

Safety Insurance has the cheapest home and auto bundle in Massachusetts, with an average premium of $3,348.

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

Bundling home and auto insurance can save you around 17% on average, depending on the insurer. Actual savings may vary based on your policies, location, and eligibility for discounts.

How do home and auto bundle rates compare in Massachusetts?

Home and auto bundle rates in Massachusetts 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 Massachusetts:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
Safety Insurance	A	A	$2,172	$1,935	0.07	0.13	$3,348	4.78
Vermont Mutual	A	A	$4,066	$1,766	0.53	0.06	$3,604	4.50
Arbella Insurance	A	A	$2,979	$1,723	0.15	0.15	$4,007	4.44
Travelers	A++	A++	$3,131	$1,474	0.63	0.91	$4,062	4.15
Amica	A+	A+	$3,015	$1,761	0.59	0.37	$4,369	4.12
Allstate	A+	A+	$3,670	$4,659	1.20	1.26	$6,416	2.62

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 Massachusetts?

Safety Insurance offers the cheapest home and auto bundle in Massachusetts, with the lowest overall premium. If you’re looking to maximize savings through discounts, Vermont Mutual 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 Massachusetts:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Safety Insurance	$1,935	$2,172	$4,107	$3,348
Vermont Mutual	$1,766	$4,066	$5,832	$3,604
Arbella Insurance	$1,723	$2,979	$4,702	$4,007
Travelers	$1,474	$3,131	$4,605	$4,062
Amica	$1,761	$3,015	$4,776	$4,369
Allstate	$4,659	$3,670	$8,329	$6,416

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or excluded protections that leave you exposed when you actually 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, check three things: the liability limits, the 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 a better deal – it’s a more expensive one the moment you need to use it.

Which ZIP codes are most and least expensive in Massachusetts?

The most expensive ZIP code for home and auto bundles in Massachusetts is 2150, with average rates of $4,878, while the cheapest is 1220, where average premiums drop to $2,540. 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 Massachusetts for home and auto insurance bundling is 2150 at an average rate of $4,878.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
2150	$4,878	$1,026	17%
2128	$4,324	$925	18%
2127	$4,236	$880	17%
1152	$4,173	$871	17%
1144	$4,172	$871	17%
1108	$4,081	$858	17%
1118	$4,062	$856	17%
1107	$4,061	$856	17%
1128	$4,057	$855	17%
1105	$4,055	$855	17%

Top ten cheapest ZIP codes

The least expensive ZIP code in Massachusetts for home and auto insurance bundling is 1220 at an average rate of $2,540.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
1220	$2,540	$533	17%
1039	$2,628	$547	17%
1364	$2,680	$567	17%
1235	$2,699	$569	17%
1072	$2,711	$570	17%
1003	$2,826	$597	17%
1002	$2,846	$597	17%
1950	$2,899	$602	17%
1810	$2,938	$617	17%
1453	$3,031	$636	17%

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 Massachusetts 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 6 companies and 68 ZIP codes.

Frequently asked questions about home and auto bundle insurance

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

Bundling home and auto insurance in Massachusetts 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 Massachusetts?

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. June 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 Massachusetts? Here's our pick
How do home and auto bundle rates compare in Massachusetts?
What is the cheapest home and auto bundles in Massachusetts?
Which ZIP codes are most and least expensive in Massachusetts?
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 Massachusetts