Best and cheapest companies for home and auto bundles in Michigan

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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 Michigan 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 Michigan when you bundle your policies. By choosing this insurer, you can save an average of 21% on your home and auto bundle.

On the other hand, Auto-Owners provides the lowest overall rate for bundling in Michigan. When you bundle your policies, you can expect to pay an average of $3,651.

Key Takeaways

In Michigan, State Farm is the top choice for bundling home and auto insurance. It offers an average savings of 21%.
Some insurance companies offer more significant bundling discounts, so comparing quotes is a good idea.
Your ZIP code plays a major role in determining how much you can save on your home and auto insurance bundle.
Bundling is usually a smart move, but sometimes it might not be the best option.

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 Michigan

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 Michigan for home and auto bundling.

State Farm

State Farm offers a 21% bundle discount, which amounts to an average savings of $1,452. The combined cost of home and auto insurance before the discount is $6,775, and after the discount, it drops to $5,323.

Farmers Insurance

Farmers Insurance offers an average discount of $2,632 when you bundle your auto and home insurance, which is about 20%. Without the discount, the average cost is $12,867, but with the discount, the price drops to $10,235.

Auto-Owners

Bundling auto and home insurance with Auto-Owners can save an average of $423, or 10%. Without the discount, the coverage costs $4,074, but after the discount, it’s only $3,651.

Compare home and auto bundles in Michigan

Bundling your home and auto insurance in Michigan can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$5,323	47	87.4	A++	21%	80.25
Farmers Insurance	$10,235	43	82	A	20%	69.26
Auto-Owners	$3,651	49	81.2	A++	10%	63.59

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What company offers the cheapest home and auto bundle in Michigan?

State Farm provides the largest discount on premiums for bundled insurance, while Auto-Owners offers the lowest overall rate when you bundle.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Farmers Insurance	$3,890	$8,977	$12,867	$10,235
Michigan Farm Bureau	$9,932	$4,100	$14,032	$12,021
The Hanover	$4,188	$12,400	$16,588	$13,531
Auto-Owners	$541	$3,533	$4,074	$3,651
Automobile Club MI (AAA)	$1,356	$3,611	$4,967	$4,184
Frankenmuth Insurance	$2,197	$3,798	$5,995	$5,213
State Farm	$2,138	$4,637	$6,775	$5,323

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

Your ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Michigan.

Most expensive ZIP codes

The most expensive ZIP code in Michigan for bundling home and auto insurance is 48205, with an average cost of $14,495. Here are the 10 most expensive ZIP codes:

ZIP code	Average auto and home after discount	Average difference
48205	$14,495	16%
48213	$14,226	16%
48234	$13,677	16%
48206	$13,478	16%
48227	$13,411	16%
48201	$13,394	16%
48224	$13,268	16%
48221	$13,185	16%
48235	$13,164	16%
48202	$12,943	16%

Least expensive ZIP codes

The most affordable ZIP code in Michigan for bundling home and auto insurance is 48105, with an average rate of $4,026. Below are the 10 least expensive ZIP codes.

ZIP code	Average auto and home after discount	Average difference
48105	$4,026	16%
48109	$4,038	16%
49544	$4,118	17%
48103	$4,139	16%
48104	$4,158	16%
49525	$4,304	16%
49505	$4,338	16%
49546	$4,382	16%
48854	$4,418	17%
49512	$4,477	16%

Frequently asked questions about bundling home and auto insurance

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

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 Michigan?

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.