Best and cheapest companies for home and auto bundles in Michigan

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Some insurance companies offer better bundle deals than others when shopping for home and auto coverage. We’ve reviewed multi-policy discounts from Michigan insurers to help you find the carriers that offer the most affordable rates after bundling.

In Michigan, State Farm offers the highest percentage of savings on home and auto bundles. Bundling your policies with State Farm can help you save an average of 21%.

Auto-Owners provides the lowest bundled rate in Michigan, with an average cost of $3,651 for combining your home and auto policies.

Key Takeaways

In Michigan, State Farm offers the biggest average discount of 21% 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

Insure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 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 48 companies and 4,686 ZIP codes in our analysis.

Our recommendation for the best home and auto bundles in Michigan

We ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Michigan.

State Farm

The average bundle discount at State Farm is $1,452, or 21%. Before the bundle discount is added, the average cost of home and auto insurance is $6,775. After getting a bundle discount, the cost drops to $5,323. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.

Farmers Insurance

Farmers Insurance offers an average bundle discount of $2,632, or 20%. Before the bundle discount, you’ll pay an average of $12,867, which will decrease to $10,235 after the discount is applied.

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 bundles in Michigan?

State Farm offers the biggest percentage discount if you bundle. Auto-Owners offers the cheapest rate overall if 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

The ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in Michigan for bundling insurance.

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 least expensive ZIP code in Michigan for home and auto insurance bundling is 48105 at an average rate of $4,026. See the 10 least expensive ZIP codes below.

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 can help you save money and make managing your policies easier. With one company handling everything, you can check all your coverages in one place.

However, bundling isn’t always the cheapest move. If you find a great deal on car insurance but your homeowners insurance is much more expensive with the same company, you might save more by getting separate policies from different insurers.

It’s also possible that a company has the right coverage for one type of insurance but not for the other.

Instead of assuming a bundle is the best deal, it’s always a good idea to shop around and compare quotes.

“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?

Switching to a bundled policy is simple, and many people take this step when their insurance comes up for renewal. For example, if your car insurance is with one company and your homeowners insurance with another, you can easily combine them under one insurer when it’s time to renew.

However, you don’t have to wait until renewal to bundle your policies. If you cancel one of your policies before it expires, you might get a refund for the months you won’t be covered by that insurer.

But before canceling coverage on any of your policies, make sure your new coverage is set up and active. Don’t cancel the old one until you’re fully covered.

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.