Best and cheapest companies for home and auto bundles in Massachusetts

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.

Bundling home and auto insurance in Massachusetts can save you money, but the best deal depends on whether you prioritize the biggest discount or the lowest overall premium. On average, Vermont Mutual offers the highest percentage savings, while Safety Insurance delivers the cheapest bundled rates.

Insurance companies vary widely in how they price bundles, so comparing multiple providers is key. 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

Bundling allows you to purchase home and auto insurance from the same company and receive a discount on your policies.
Vermont Mutual has the highest bundle discount in Massachusetts, averaging 38%
The largest discount doesn’t always lead to the lowest total premium
Your ZIP code within Massachusetts can significantly impact your savings
Bundling is often more convenient and can save money, but it’s not always the cheapest option

Which companies offer the best home and auto bundles in Massachusetts? Here’s our pick

Safety Insurance, Vermont Mutual and Arbella Insurance rank among the best home and auto bundle companies in Massachusetts, 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 Massachusetts:

Safety Insurance

The average bundle discount at Safety Insurance is $759, or 18%. Safety Insurance offers bundling across its home and auto policies, making it straightforward for most policyholders to qualify. Before the bundle discount is applied, the average combined cost of home and auto insurance sits at $4,107.

Vermont Mutual

The average bundle discount at Vermont Mutual is $2,228, or 38%. For policyholders who carry both home and auto with Vermont Mutual, the bundle discount applies without requiring any changes to existing coverage. Before the discount, customers pay $5,832 for coverage.

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%. Before the discount, the average cost of home and auto insurance is $4,605.

Amica

The average bundle discount at Amica is $407, or 9%. Without the bundle discount, the average rate for home and auto is $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 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 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 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 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 premiums drop to $2,540. Rates can vary widely due to differences in risk, property values and local claims data.

Where you live plays a major role in your insurance costs, affecting both base premiums and available discounts.

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 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 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 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 6 companies and 68 ZIP codes in our analysis.

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. 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

You might find interesting

Explore related topics

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